Cleverea
Cleverea is a Barcelona-based digital-first neo-insurer operating in Spain under DGSFP license AS-0103. It sells consumer insurance — car, motorcycle, home, life, pet, scooter, bicycle, tenant, health — plus announced electricity and gas utilities through a single mobile app, targeting price-conscious Spanish individuals and families.
- Company typePrivate
- Founded2019
- HeadquartersBarcelona, Spain
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Cleverea does
Cleverea is a Barcelona-based digital-first neo-insurer founded in 2019 and operating under Spanish DGSFP license number AS-0103. The company designs, underwrites, and distributes consumer insurance products — car, motorcycle, home, tenant, electric scooter, bicycle, dog liability, life, and (since 2023) health — through a mobile app (iOS and Android) and web platform, with new utilities (fiber, mobile, electricity, gas) and per-day car insurance added or announced since 2023. The underlying platform consolidates insurance and household services into a single dashboard with one customer support team, supports policy purchase in approximately two minutes, and offers digital claims reporting with a personal claims assistant inside the app, plus a portability service that handles cancellations with prior providers on behalf of customers. Cleverea is regulated as a full insurance entity rather than operating purely as a broker or comparison site.
Cleverea earns revenue primarily through monthly subscription insurance premiums (priced publicly from €1 to €20 per month per product line, with multi-contract discounts encouraging bundling) and through recurring commissions from its Mediadores partner program. Distribution is deliberately multi-channel: self-serve direct digital (web and app), phone- and WhatsApp-assisted inside sales (including 24/7 WhatsApp support), independent insurance brokers and partners (Mediadores program), and commercial distribution agreements with MásMóvil (telecom) and Avant2 (motorcycle insurance comparison platform). The company also runs an 'Invita a un amigo' referral program and content/SEO-driven blog marketing.
Cleverea had closed a €5 million seed round in November 2021, led by Stride VC with participation from Inveready, Bonsai Partners, TA Ventures, and FJ Labs, after completing pre-seed and bridge rounds earlier in the year. As of May 2021, the company had approximately €120,000 in revenue and over 1,000 clients; subsequent product launches and channel partnerships indicate substantial scaling since then, though no post-2021 revenue figures have been disclosed. Co-founders Alvaro Sanz Perez, Joan Bosch Liarte, and Javier Bosch Liarte lead the company alongside CTO Sergio González, with the company headquartered in Barcelona and operating exclusively in Spain.
Cleverea firmographics
Firmographics- Name
- Cleverea
- Legal name
- Cleverea
- Website
- https://cleverea.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Cleverea is a Barcelona-based digital-first neo-insurer operating in Spain under DGSFP license AS-0103. It sells consumer insurance — car, motorcycle, home, life, pet, scooter, bicycle, tenant, health — plus announced electricity and gas utilities through a single mobile app, targeting price-conscious Spanish individuals and families.
- Ownership category
- akta.pro rank
Cleverea industry classification
Industry- Product category
- Personal Insurance
- NAICS
- Insurance Carriers (5241), Agencies, Brokerages, and Other Insurance Related Activities (5242), Other Insurance Related Activities (52429)
- SIC
- Insurance Carriers, Nec (6399), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
- akta.pro secondary industry
- Document, Workflow & Policy Servicing Automation (RPA/No-Code) (FSAGAGAK)
Keywords
Where Cleverea is headquartered
LocationHeadquarters
- HQ city
- Barcelona
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
Cleverea business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Technology or R&D, Personnel, Marketing or Sales, Infrastructure
Revenue model
- Insurance Premium Revenue: Cleverea generates revenue primarily through insurance premiums charged to customers on a monthly subscription basis. Policies are offered for car (from €15/month), motorcycle (from €5/month), home (from €5/month), life (from €20/month), bicycle (from €1/month), scooter (from €2/month), pet/dog liability (from €3/month), and tenant insurance (from €5/month). The company acts as an insurer (regulated by DGSFP, license AS-0103) and collects recurring premiums from policyholders.
- Utilities (Fiber, Mobile, Energy): Cleverea is expanding into fiber, mobile, and energy (electricity, gas) services as part of its 'super-app' strategy. These services are priced as monthly subscriptions (e.g., Luz and Gas starting from €70/month). Revenue from utilities would follow a recurring subscription model once services launch.
- Partner/Intermediary Commissions: Cleverea operates a partner program for insurance intermediaries (mediadores) and third-party agents who resell Cleverea policies in exchange for commission. This channel drives additional policy distribution and revenue at customer acquisition cost.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Car Insurance — From €15/month |
| Subscription | Monthly | Motorcycle Insurance — From €5/month |
| Subscription | Monthly | Home Insurance — From €5/month |
| Subscription | Pay-as-you-go | Daily/Per-Day Car Insurance — From €2/month (charged per day of use) |
| Subscription | Monthly | Life Insurance — From €20/month |
| Subscription | Monthly | Bicycle Insurance — From €1/month |
| Subscription | Monthly | Electric Scooter Insurance — From €2/month |
| Subscription | Monthly | Dog Liability Insurance — From €3/month |
| Subscription | Monthly | Tenant Insurance — From €5/month |
| Subscription | Monthly | Electricity (Luz) — From €70/month |
| Subscription | Monthly | Gas — From €70/month |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels4 records
Cleverea product offering
Product offeringCore offering
Cleverea is a Spanish digital neoinsurer that designs, underwrites, and distributes personal insurance products (car, motorcycle, home, life, bicycle, electric scooter, dog liability, and tenant insurance) through a mobile app and website. The company consolidates insurance policies and upcoming household utility services (electricity, gas, fiber, mobile) into a single app, enabling customers to purchase policies in under 2 minutes, file claims digitally, and manage all household contracts in one place. The company also operates a partner program (Mediadores/Partners) for third-party insurance intermediaries to resell its policies.
Product overview
Cleverea is a Spanish insurtech company offering a digital insurance platform that consolidates multiple insurance products (car, motorcycle, home, life, electric scooter, bicycle, dog liability, and tenant insurance) along with announced energy services (electricity and gas) into a single mobile app. The company operates on a bundling model where customers can manage all their home-related contracts (seguros, fibra, móvil, and energy) through one platform with unified customer support. Cleverea positions itself as a neo-insurer targeting millennials and digital-native consumers with flexible, app-driven insurance products, including per-day coverage options. The platform's core differentiator is its all-in-one approach to home services management combined with competitive pricing (starting from €2/month for basic coverage) and 24/7 WhatsApp customer support.
Differentiator
Problem solved
Functional benefit
Products and services
- Car Insurance (Seguro de coche)
Quantifiable outcome
- 4.3-star average rating from over 3,000 Google reviews, indicating high customer satisfaction with service quality, claims speed, and pricing.
- +2 more outcomes
Companies that use Cleverea
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles2 records
Cleverea technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Cleverea partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered major and minor.
- MásMóvilmajorCleverea signed a strategic alliance with MásMóvil (a major Spanish telecom operator) to distribute Cleverea insurance products to MásMóvil's large customer base. This partnership was covered by Expansión and represents a significant distribution channel expansion for Cleverea.
- Avant2minorCleverea's motorcycle (moto) insurance product is distributed through Avant2, a Spanish insurance comparison platform for insurance professionals and brokers.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Cleverea competitors and assessment
Company assessmentBroad incumbents
- SegurCaixa Adeslas: Leading Spanish insurer (joint venture of Mutua Madrileña and CaixaBank) dominating health insurance and significant presence in home and auto. Comparable as another major Spanish incumbent competing in Cleverea's product categories, with strong bancassurance distribution.
- Generali España: Spanish subsidiary of global insurer Generali, offering auto, home, life, and health insurance in Spain. Comparable as a broad-line incumbent competing in the same categories as Cleverea, including the newer digital-distribution channels.
- MAPFRE: Spain's largest insurance group and Cleverea's home-market incumbent across auto, home, life, and health. Comparable as the dominant legacy player Cleverea is attempting to disrupt with a digital-first model.
- Mutua Madrileña: Spain's largest mutual insurer (~€6B premiums) offering auto, home, life, and health insurance through traditional and increasingly digital channels. Comparable as Cleverea's primary domestic incumbent competitor across its entire product set.
Direct peers
- Lemonade: US-listed digital-first insurance carrier using an app-based, AI-driven UX for personal lines (renters, home, auto, pet, life). Most cited global comparable to Cleverea's neo-insurer business model, differentiated mainly by geography and product maturity.
- Many Pets (formerly Bought By Many): UK-based digital-first insurance carrier specializing in pet insurance with growing home and other lines, operating on a similar app-based, customer-experience-focused model. Comparable as a digital neo-insurer that grew via niche personal lines.
- Verti (by MAPFRE): MAPFRE Group's direct/digital insurance brand in Spain offering auto, motorcycle, and home insurance online. Closely comparable to Cleverea's core product set (car, moto, home) and digital-first Spanish distribution approach.
- Linea Directa Aseguradora: Spain's largest pure-play direct (phone/digital) insurer, listed on the Madrid stock exchange. Directly comparable to Cleverea as a Spanish distribution-disruptor insurer competing on price and digital channels in the same personal-lines categories (auto, home, motorcycle).
- Cuvva: UK-based insurer offering flexible, app-based car insurance including hourly/daily coverage. Directly comparable to Cleverea's recently launched "Seguro por días" per-day car insurance product, which mirrors Cuvva's on-demand auto insurance model.
Emerging players
- Alan: France-based digital health insurance provider offering app-driven health coverage to individuals and employers. Comparable as a European digital-first licensed insurer using similar UX-first, app-centric distribution and D2C positioning.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Cleverea social profiles
Digital presenceCleverea compliance and trust
Trust signalCompliance1 record
Cleverea financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cleverea leadership team
Management profileNumber of profiles
Profiles4 records
Cleverea funding detail
Funding detailFunding overview
Funding rounds3 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cleverea M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cleverea
What does Cleverea do?
Cleverea is a Spanish digital neoinsurer that designs, underwrites, and distributes personal insurance products (car, motorcycle, home, life, bicycle, electric scooter, dog liability, and tenant insurance) through a mobile app and website. The company consolidates insurance policies and upcoming household utility services (electricity, gas, fiber, mobile) into a single app, enabling customers to purchase policies in under 2 minutes, file claims digitally, and manage all household contracts in one place. The company also operates a partner program (Mediadores/Partners) for third-party insurance intermediaries to resell its policies.
Is Cleverea a public or private company?
Cleverea is a private company. It is classified as venture growth investor backed and is currently operating.
When was Cleverea founded?
Cleverea was founded in 2019. It employs 11 to 50 people.
Where is Cleverea based?
Cleverea is headquartered in Barcelona, Spain, in the Europe region.
How does Cleverea make money?
Three revenue lines are on record. Insurance Premium Revenue is the primary driver. The others are utilities (Fiber, Mobile, Energy) and partner/Intermediary Commissions.
Who are Cleverea's main competitors?
Broad incumbents on record are SegurCaixa Adeslas, Generali España, MAPFRE and Mutua Madrileña. Direct peers are Lemonade, Many Pets (formerly Bought By Many), Verti (by MAPFRE), Linea Directa Aseguradora and Cuvva. Alan is listed as an emerging player.
Does Cleverea have an API?
No public API is recorded for Cleverea.
What industry is Cleverea in?
Cleverea's product category is Personal Insurance. Its primary akta.pro industry code is FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms, with a secondary code of FSAGAGAK, Document, Workflow & Policy Servicing Automation (RPA/No-Code). Its NAICS code is 5241 and its SIC code is 6399.