Koalay.com
Koalay.com is Turkey's first online insurance and reinsurance broker, operating a digital comparison platform that aggregates 25+ carriers and serves 4M+ individual consumers seeking traffic, casco, DASK, health, and travel insurance.
- Company typePrivate
- Founded2013
- HeadquartersKadikoy
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Koalay.com does
Koalay.com (legal entity: Koalay.com Sigorta ve Reasürans Brokerliği A.Ş.) is a Turkish licensed insurance and reinsurance broker operating the country's first online insurance comparison platform, founded in 2013 and headquartered in Maslak, Istanbul, with 51–100 employees. The web-based platform aggregates quotes from 25+ partner carriers (Allianz, Axa, Zurich, Sompo, Mapfre, Türkiye Sigorta, HDI, and others) and presents price, coverage, and terms in a single side-by-side view, supporting nine core product lines spanning mandatory traffic insurance, comprehensive casco (including EV-specific casco), second-hand vehicle traffic, motorcycle traffic, optional third-party liability (İMM), mandatory earthquake insurance (DASK), supplementary health (TSS), and travel health insurance, plus ancillary tools for claims tracking, accident report generation, and vehicle depreciation calculation.
The platform operates on a product-led, self-serve distribution model: customers enter information through multi-step online forms, receive instant comparative quotes, complete purchases via carrier-handled virtual POS payment, and receive policy documents by email and SMS. Koalay does not underwrite risk or collect premiums directly; it earns transaction-based broker commissions from carriers, while policy servicing, claims administration, and premium collection remain with the underlying insurers. The company is regulated under Turkish Treasury broker license #1166-18740 and co-brokers policies alongside Büyükkaya Uluslararası Sigorta ve Reasürans Brokerliği.
Customer acquisition is digital-first, relying on SEO, an active insurance-education blog, social media presence across Facebook, Instagram, X, LinkedIn, and YouTube, and free utility calculators that capture non-branded insurance-adjacent search demand. Koalay's customer base of 4M+ individual Turkish consumers (vehicle owners, homeowners, health insurance seekers, motorcycle owners) is structurally long-tail with no enterprise anchor accounts. The company holds KVKK and SSL compliance certifications, is a member of the Sigorta ve Reasürans Brokerleri Derneği, and acquired competitor comparison platform Hesapkurdu in March 2019 to consolidate the online comparison category.
Koalay.com firmographics
Firmographics- Name
- Koalay.com
- Legal name
- Koalay.com Sigorta ve Reasürans Brokerliği A.Ş.
- Website
- https://koalay.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Koalay.com is Turkey's first online insurance and reinsurance broker, operating a digital comparison platform that aggregates 25+ carriers and serves 4M+ individual consumers seeking traffic, casco, DASK, health, and travel insurance.
- Ownership category
- akta.pro rank
Koalay.com industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Reinsurance Claims, Accounting & Contract Administration (Broker Services) (FSAOAHAI)
Keywords
Where Koalay.com is headquartered
LocationHeadquarters
- HQ city
- Kadikoy
Offices1 record
Markets served
Koalay.com business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Insurance broker commissions: Koalay operates as a licensed insurance and reinsurance broker (licensed by TC. Hazine Müsteşarlığı). The company earns commissions from insurance companies for policies sold through their platform. Premium collection is handled directly by insurance companies through their virtual POS systems, not by Koalay.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Annual | Traffic insurance pricing by tariff step and city |
| Unit Pricing | Annual | Casco insurance pricing by vehicle and claims-free discount |
| Unit Pricing | Annual | Supplementary health insurance pricing by age, gender, and city |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Koalay.com product offering
Product offeringCore offering
Koalay.com operates a licensed online insurance and reinsurance brokerage platform that aggregates and compares quotes from 25+ Turkish insurance companies across vehicle, property, and health insurance products. Individual customers use the platform to receive instant comparative quotes, purchase policies online, and access supporting services such as claims tracking and policy administration. Koalay earns broker commissions from insurance companies whose policies are sold through the platform; it does not itself underwrite insurance.
Product overview
Koalay.com is Turkey's first online insurance broker platform that aggregates and compares insurance quotes from over 25 partner insurance companies in a single interface. The platform offers a portfolio of 9 core insurance products spanning vehicle insurance (Trafik Sigortası, Kasko, Elektrikli Araç Kasko, Motosiklet Trafik Sigortası, 2. El Trafik Sigortası), property insurance (DASK), and health insurance (Tamamlayıcı Sağlık, Seyahat Sağlık), plus supplementary coverage (İMM). The core platform enables quote comparison, purchase, and policy management, while integrated service tools provide claims tracking, accident report generation, vehicle depreciation calculation, and policy modification capabilities. Koalay.com acts as an independent insurance broker (license no. 1166-18740), facilitating insurance transactions between customers and insurance companies without itself providing insurance coverage.
Differentiator
Problem solved
Functional benefit
Products and services
- Trafik Sigortası (Mandatory Traffic Insurance)
- Kasko Sigortası (Comprehensive Vehicle Insurance)
- 2. El Trafik Sigortası (Used Vehicle Traffic Insurance)
- İMM (İhtiyari Mali Mesuliyet Sigortası — Optional Third-Party Liability)
- Motosiklet Trafik Sigortası (Motorcycle Traffic Insurance)
- Elektrikli Araç Kasko Sigortası (Electric Vehicle Comprehensive Insurance)
- DASK (Zorunlu Deprem Sigortası — Mandatory Earthquake Insurance)
- Seyahat Sağlık Sigortası (Travel Health Insurance)
- Tamamlayıcı Sağlık Sigortası (TSS — Supplementary Health Insurance)
Quantifiable outcome
- Over 4 million happy customers using the platform
- +1 more outcomes
Companies that use Koalay.com
Customer profileNamed customers4 records
Segments1 record
Ideal customer profiles1 record
Koalay.com technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Koalay.com partnerships and signals
Strategic signalPartnerships
29 partnerships are on record, tiered core and minor.
- AksigortacoreAksigorta is one of 25+ insurance company partners whose products are compared and sold through the Koalay platform. Koalay aggregates Aksigorta's traffic insurance, casco, and other insurance quotes alongside competitor offerings for consumer comparison.
- Allianz SigortacoreAllianz Sigorta is a partner insurance company available on Koalay's platform. Offers products including traffic insurance, casco, electric vehicle casco, and supplementary health insurance through Koalay's comparison platform.
- Anadolu SigortacoreAnadolu Sigorta is a partner insurance company whose quotes are available through Koalay's comparison platform.
- Ankara SigortacoreAnkara Sigorta is a partner insurance company available on Koalay, offering traffic insurance, casco, and supplementary health insurance products.
- Axa SigortacoreAxa Sigorta is a partner insurance company on Koalay, offering casco and travel health insurance through the platform.
- Bereket SigortacoreBereket Sigorta is a partner insurance company available through Koalay's comparison platform.
- Corpus SigortacoreCorpus Sigorta is a partner insurance company available through Koalay.
- Demir SigortacoreDemir Sigorta is a partner insurance company on Koalay, offering supplementary health insurance products.
- Doğa SigortacoreDoğa Sigorta is a partner insurance company available on Koalay, offering casco and electric vehicle casco insurance.
- GIG SigortacoreGIG Sigorta is a partner insurance company available through Koalay's platform.
- HDI SigortacoreHDI Sigorta is a partner insurance company on Koalay, offering traffic insurance, casco, electric vehicle casco, and DASK products.
- Katılım EmeklilikcoreKatılım Emeklilik is a partner insurance/pension company available through Koalay's comparison platform.
- Koru SigortacoreKoru Sigorta is a partner insurance company on Koalay, offering traffic insurance, casco, IMM (optional third-party liability), and electric vehicle casco insurance.
- Mapfre SigortacoreMapfre Sigorta is a partner insurance company on Koalay, offering traffic insurance, casco, electric vehicle casco, and supplementary health insurance products.
- Neova SigortacoreNeova Sigorta is a partner insurance company on Koalay, offering casco, IMM, travel health insurance, and supplementary health insurance.
- Orient SigortacoreOrient Sigorta is a partner insurance company available through Koalay's platform.
- Prive SigortacorePrive Sigorta is a partner insurance company available through Koalay.
- Quick SigortacoreQuick Sigorta is a partner insurance company on Koalay, offering traffic insurance, casco, and electric vehicle casco insurance.
- Ray SigortacoreRay Sigorta is a partner insurance company on Koalay, offering traffic insurance, casco, IMM, electric vehicle casco, DASK, and travel health insurance.
- Sompo SigortacoreSompo Sigorta is a partner insurance company on Koalay, offering traffic insurance, casco, electric vehicle casco, DASK, travel health insurance, and supplementary health insurance.
- Şeker SigortacoreŞeker Sigorta is a partner insurance company available through Koalay's platform.
- Türk Nippon SigortacoreTürk Nippon Sigorta is a partner insurance company available through Koalay's platform.
- Türkiye Katılım SigortacoreTürkiye Katılım Sigorta is a partner insurance company available through Koalay's comparison platform.
- Türkiye SigortacoreTürkiye Sigorta is a partner insurance company on Koalay, offering traffic insurance, casco, electric vehicle casco, DASK, and supplementary health insurance.
- Unico SigortacoreUnico Sigorta is a partner insurance company on Koalay, offering casco and electric vehicle casco insurance.
- Zurich SigortacoreZurich Sigorta is a partner insurance company on Koalay, offering traffic insurance, casco, electric vehicle casco, and travel health insurance.
- TC. Hazine Müsteşarlığı - Sigortacılık Genel MüdürlüğücoreKoalay is a licensed insurance and reinsurance broker authorized by the Turkish Ministry of Treasury and Finance (TC. Hazine Müsteşarlığı) Insurance General Directorate. The company holds a valid operating license (ruhsat) issued by this regulatory body.
- Sigorta ve Reasürans Brokerleri DerneğiminorKoalay is a member of the Insurance and Reinsurance Brokers Association (Sigorta ve Reasürans Brokerleri Derneği), the industry body for insurance brokers in Turkey.
- Büyükkaya Uluslararası Sigorta ve Reasürans Brokerliği Ltd. Şti.coreBüyükkaya Uluslararası Sigorta ve Reasürans Brokerliği is a co-broker partner alongside Koalay. The User and Broker Agreement explicitly names both Koalay Com Sigorta ve Reasürans Brokerliği A.Ş. and Büyükkaya as the customer's insurance brokers. Koalay's license number is 1166-18740.
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
Koalay.com competitors and assessment
Company assessmentDirect peers
- Sigortam.net: Turkish digital insurance comparison platform that aggregates quotes from multiple carriers and sells policies online, competing head-to-head with Koalay in the same domestic consumer segment.
- Hesapkurdu: Turkish financial comparison platform covering insurance and banking products; acquired by Koalay in 2019, but historically a direct competitor in insurance aggregation.
- The Zebra: US-based insurance comparison platform focused on auto and home insurance, aggregating quotes from multiple carriers in a single interface — directly analogous to Koalay's model in Turkey.
- SelectQuote: US insurance comparison and distribution platform that aggregates policies from multiple carriers and earns commissions on sales — same broker-of-record commission model as Koalay.
Broad incumbents
- PolicyBazaar (PB Fintech): India's largest insurance and financial product aggregator; comparable as a category-leading online insurance comparison platform with multi-carrier aggregation and digital purchase.
- GoCompare: UK-based price comparison website covering insurance and financial products; comparable business model of aggregating insurer quotes for consumer comparison and purchase.
- Compare the Market: UK price comparison platform comparing insurance and financial products from multiple providers, with similar aggregator-distribution economics to Koalay.
- Confused.com: UK price comparison site covering insurance products; comparable in its digital aggregator model that drives consumer comparison and direct online purchase of insurance.
Emerging players
- Insurify: US digital insurance comparison platform using data-driven matching; comparable aggregator model targeting consumers seeking multi-carrier quotes online.
Others
- Aksigorta: One of Turkey's leading insurers and a Koalay carrier partner; comparable as a counterparty and a potential competitor as carriers increasingly pursue direct-to-consumer channels.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Koalay.com social profiles
Digital presenceKoalay.com compliance and trust
Trust signalCompliance3 records
Koalay.com financial estimates
Financial estimateRevenue estimate
Valuation estimate
Koalay.com leadership team
Management profileNumber of profiles
Profiles1 record
Koalay.com funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Koalay.com M&A and investment
M&A and investmentM&A1 record
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Koalay.com
What does Koalay.com do?
Koalay.com operates a licensed online insurance and reinsurance brokerage platform that aggregates and compares quotes from 25+ Turkish insurance companies across vehicle, property, and health insurance products. Individual customers use the platform to receive instant comparative quotes, purchase policies online, and access supporting services such as claims tracking and policy administration. Koalay earns broker commissions from insurance companies whose policies are sold through the platform; it does not itself underwrite insurance.
Is Koalay.com a public or private company?
Koalay.com is a private company. It is classified as unknown and is currently operating.
When was Koalay.com founded?
Koalay.com was founded in 2013. It employs 51 to 100 people.
Where is Koalay.com based?
Koalay.com is headquartered in Kadikoy.
How does Koalay.com make money?
One revenue line is on record: insurance broker commissions.
Who are Koalay.com's main competitors?
Direct peers on record are Sigortam.net, Hesapkurdu, The Zebra and SelectQuote. Broad incumbents are PolicyBazaar (PB Fintech), GoCompare, Compare the Market and Confused.com. Insurify is listed as an emerging player. Aksigorta is listed as an others.
Does Koalay.com have an API?
No public API is recorded for Koalay.com.
What industry is Koalay.com in?
Koalay.com's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAOAHAI, Reinsurance Claims, Accounting & Contract Administration (Broker Services). Its NAICS code is 524210 and its SIC code is 6411.