Everything Insure
Everything Insure is a South African licensed Financial Services Provider (FSP 21271) operating a digital insurance marketplace that aggregates products from nine A-rated insurers, offering personal, business, professional, and lifestyle cover to individuals, SMEs, and commercial customers via a self-service web and mobile platform with hybrid broker support.
- Company typePrivate
- Founded2018
- HeadquartersJohannesburg, South Africa
- Headcount51–100
- GTM typeB2B and B2C
- OfferingDigital Commerce or Content
What Everything Insure does
Everything Insure Digital Intermediaries (Pty) Ltd operates a digital insurance marketplace that aggregates short-term and lifestyle insurance products from nine A-rated South African and Lloyd's insurers (Hollard, Santam, Old Mutual, Bryte, Guardrisk, iToo, Lloyd's, and others) into a single self-service platform. The platform covers personal lines (motor, building, contents, personal items, watercraft, personal accident and liability), commercial lines (commercial umbrella liability, employers liability, fire, theft, business interruption, money, goods in transit, public liability, electronic equipment, buildings combined, accounts receivable, glass, accidental damage), professional indemnity, and lifestyle products (funeral, pet, gap cover, cyber liability, mechanical warranty), plus specialized sub-brands for golfers, cyclists, and tourism. Underlying capabilities include real-time binding quote generation, a multi-insurer policy hub, digital claims submission with status tracking, and mobile apps on iOS and Android, with hybrid broker support provided via chat and phone for customers who want human assistance.
The company is a subsidiary of firstEquity Group (formed 2007) and traces its Lloyd's of London coverholder heritage back to 1990; the Everything.Insure digital platform launched in 2018. The legal entity is registered in South Africa (FSP 21271) under FAIS, with a wholly-owned subsidiary, Everything Insure Portfolio Managers (Pty) Ltd, supporting FSB-regulated portfolio management activity. Operations span South Africa, Botswana, Mauritius, and India. The leadership team comprises Vis Govender (Group CEO and Founder), Mishaya Chettiar (Executive Head and Co-Founder), Cuan Parker (CTO and Co-Founder), together with heads of technology, development, marketing, AI/ML, and customer success.
Revenue is generated primarily through statutory intermediary commissions paid by the partner insurers and a disclosed 'Platform Fee' charged to policyholders for non-commissioned digital services. Pricing is personalized to risk profile and is collected monthly via debit order through licensed premium collection agency QSure (FSP 50552). Distribution is product-led: customers self-serve through the website or mobile app, with a 7-minute target from quote to cover, and can upload existing policy schedules to initiate a switch.
Everything Insure firmographics
Firmographics- Name
- Everything Insure
- Legal name
- Everything Insure Digital Intermediaries (Pty) Ltd
- Website
- https://everything.insure
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Everything Insure is a South African licensed Financial Services Provider (FSP 21271) operating a digital insurance marketplace that aggregates products from nine A-rated insurers, offering personal, business, professional, and lifestyle cover to individuals, SMEs, and commercial customers via a self-service web and mobile platform with hybrid broker support.
- Ownership category
- akta.pro rank
Everything Insure industry classification
Industry- Product category
- Digital Insurance Marketplace
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
- akta.pro secondary industry
- Data, Analytics & AI for Insurance (Risk, Pricing, Personalization) (FSAGAGAE)
Keywords
Where Everything Insure is headquartered
LocationHeadquarters
- HQ city
- Johannesburg
- HQ country
- South Africa
- HQ region
- Africa
Offices2 records
Markets served
Everything Insure business model
Business model- GTM type
- B2B and B2C
- Offering type
- Digital Commerce or Content
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Insurance Commission: Earns statutory commission from insurers for intermediary services. Commission is disclosed in quotation and policy documentation along with premiums
- Platform Fee: Charges an additional fee for providing the website and online Portal, which services are not remunerated by commission. Described as 'Platform Fee' and outlined in policy documentation
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Quote-based pricing - no fixed tiers publicly disclosed |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Everything Insure product offering
Product offeringCore offering
Everything Insure operates a digital insurance marketplace that aggregates and distributes insurance products from multiple top-tier insurers (Hollard, Santam, Old Mutual, Bryte, Lloyd's of London, Guardrisk, and iToo). Customers can compare real-time binding quotes, purchase policies, manage multi-insurer coverage, and submit claims entirely online through the website or mobile app, with hybrid broker support available on demand. The platform is organized into four product categories: Personal, Business, Professional, and Lifestyle insurance.
Product overview
Everything.Insure is a digital insurance marketplace platform that aggregates and compares insurance products from multiple leading insurers (Hollard, Santam, Old Mutual, Bryte, Lloyd's, Guardrisk, iToo) into a unified portal. The platform operates through four distinct sub-brands: Personal.Insure (covering vehicles, homes, buildings, contents, personal items, watercraft, cyclists, and golfers), Business.Insure (SME and commercial business insurance including liability, fire, theft, and business interruption), Professional.Insure (professional indemnity coverage), and Lifestyle.Insure (funeral, pet, gap cover, cyber liability, and mechanical warranty). Users can compare quotes, purchase policies, manage coverage, and file claims entirely online with hybrid broker support available. The platform aggregates multiple insurers into a single quote and policy management experience rather than offering proprietary insurance products.
Differentiator
Problem solved
Functional benefit
Brands
- Personal.Insure: Personal insurance products covering vehicles, house contents, personal items, buildings, personal accident, personal liability, personal legal costs, and watercraft.
- Business.Insure
- Professional.Insure
- Lifestyle.Insure
- Tourism.Insure
- Cycling.Insure
- Golf.Insure
Products and services
- Personal.Insure Digital insurance product covering vehicles, house contents, buildings, personal items, watercraft, personal accident, personal liability, personal legal costs, and specialty coverage for golfers and cyclists. Targets individuals seeking personal insurance.
- Business.Insure Digital insurance product covering business assets, vehicles, liability, commercial umbrella liability, employers liability, fire, theft, business interruption, and related commercial risks for SME and large commercial operations.
- Professional.Insure Professional indemnity insurance protecting professionals from legal costs and claims arising from negligence, errors, or omissions in their work.
- Lifestyle.Insure Lifestyle insurance covering funeral expenses, pet veterinary costs, medical aid gap cover, cyber liability, and mechanical warranty/breakdown coverage.
- Motor Vehicle Insurance Comprehensive motor vehicle coverage for loss or damage to insured vehicles and legal liability to third parties caused while operating the insured vehicle. Available for individuals and businesses.
- Building Insurance Covers the structure of homes including walls and roof against risks like fire, flood, and vandalism, providing financial protection for repairs or rebuilding.
- Contents Insurance
Quantifiable outcome
- 99% claims payout rate over 10 years
- +2 more outcomes
Companies that use Everything Insure
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles3 records
Everything Insure technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Everything Insure partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- Hollard Insurance CompanycoreHollard Insurance Group is South Africa's largest privately-owned insurance group, providing short-term, life, and investment products. Everything.Insure distributes Hollard products including motor, home, pet, business, golfer, cyclist, and cyber insurance through the digital marketplace. Hollard has over 6 million customers across 18 countries.
- SantamcoreSantam is the leading general insurer in Southern Africa with 22%+ market share, serving over 1 million customers through 2,700 intermediaries. Everything.Insure offers Santam personal insurance (car, home), specialized products for golfers and cyclists, and business insurance.
- Old Mutual InsurecoreOld Mutual, established 1845 in Cape Town, is one of South Africa's largest financial services companies with operations in 14 countries. Everything.Insure distributes Old Mutual personal and business insurance products.
- Bryte Insurance CompanyminorBryte is a leading commercial insurance risk specialist in Southern Africa, part of Fairfax Financial Holdings. Specializes in business insurance for SME to large commercial operations. Products available through Everything.Insure include personal and business covers.
- GuardriskminorGuardrisk is the market leader in cell captive insurance and risk solutions in South Africa, known for creative approaches to risk transfer. Everything.Insure offers Guardrisk funeral insurance products with various coverage levels.
- iToo Special RisksminoriToo is a special risks insurance provider operating as Hollard's preferred underwriter of specialty products. Known for niche home for entrepreneurs, start-ups and specialist UMAs. Products include Business Cyber insurance.
- Lloyd's of LondonminorLloyd's of London is one of the country's leading commercial insurers and reinsurers with 20+ years supporting the South African market. Offers property, transportation, marine, aviation, liability, and financial lines through coverholder model.
- QSure (Pty) LtdminorQSure is a licensed premium collection agency (FSP 50552) handling debit order collection for insurers. Located at IOM House, 6 St Giles Street, Randburg, 2194. Collects premiums directly from policyholders on behalf of insurers.
- firstEquity GroupcoreEverything Insure Digital Intermediaries (EIDI) is a member of the firstEquity Group. The holding company was formed in 2007 and oversees the group's insurance operations including the transition from traditional Lloyds of London Coverholder to digital insurtech platform.
Scale indicators8 records
Recent moves11 records
Expansion highlights6 records
Everything Insure competitors and assessment
Company assessmentDirect peers
- Hippo.co.za: South Africa's largest online insurance comparison marketplace, aggregating multiple insurers across personal and business lines. Direct competitor to Everything.Insure with similar aggregator/intermediary business model and digital-first GTM.
- Honeybadger: South African digital insurance comparison platform focused on personal lines. Operates as an intermediary aggregator similar to Everything.Insure, competing for the same digitally native buyer segment.
- CompareGuru: South African insurance comparison site (now part of the Hippo group) focused on personal insurance. Directly competes for the digital aggregator shopper in Everything.Insure's core market.
Emerging players
- Naked Insurance: South African app-based insurer offering fully digital, cover-by-cover insurance. Competes with Everything.Insure on digital UX but differs by underwriting its own risk on a limited product set.
- Pineapple Insurance: South African mobile-first insurtech offering peer-to-peer and share-of-wallet insurance products. A digital-native competitor overlapping with Everything.Insure's personal lines focus.
- Root (South Africa): South African digital auto-insurance app focused on motor cover via smartphone-based telematics. Overlaps Everything.Insure's motor insurance category with a more verticalized, AI-driven model.
Regional players
- Brolink: South African insurance broker network and intermediation platform. Competes with Everything.Insure on the broker-assisted channel rather than the pure self-serve digital flow.
Broad incumbents
- Old Mutual Insure: One of South Africa's largest financial services groups and a core insurer partner of Everything.Insure. Competes indirectly by selling direct online, and could disintermediate the aggregator over time.
- Santam: Southern Africa's largest general insurer (22%+ market share) and another core product partner on Everything.Insure. Operates its own direct digital channel that competes for the same shoppers.
- Hollard Insurance: South Africa's largest privately owned insurance group and Everything.Insure's lead insurer partner. Runs its own direct digital channels and product brands (including iToo Special Risks), making it both a partner and a potential competitive threat.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Everything Insure social profiles
Digital presenceEverything Insure financial estimates
Financial estimateRevenue estimate
Valuation estimate
Everything Insure leadership team
Management profileNumber of profiles
Profiles1 record
Everything Insure subsidiaries and ownership
Company hierarchySubsidiaries1 record
Everything Insure funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Everything Insure 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 Everything Insure
What does Everything Insure do?
Everything Insure operates a digital insurance marketplace that aggregates and distributes insurance products from multiple top-tier insurers (Hollard, Santam, Old Mutual, Bryte, Lloyd's of London, Guardrisk, and iToo). Customers can compare real-time binding quotes, purchase policies, manage multi-insurer coverage, and submit claims entirely online through the website or mobile app, with hybrid broker support available on demand. The platform is organized into four product categories: Personal, Business, Professional, and Lifestyle insurance.
Is Everything Insure a public or private company?
Everything Insure is a private company. It is classified as corporate owned and is currently operating.
When was Everything Insure founded?
Everything Insure was founded in 2018. It employs 51 to 100 people.
Where is Everything Insure based?
Everything Insure is headquartered in Johannesburg, South Africa, in the Africa region.
How does Everything Insure make money?
Two revenue lines are on record. Insurance Commission is the primary driver. The others are platform Fee.
Who are Everything Insure's main competitors?
Direct peers on record are Hippo.co.za, Honeybadger and CompareGuru. Emerging players are Naked Insurance, Pineapple Insurance and Root (South Africa). Brolink is listed as a regional player. Broad incumbents are Old Mutual Insure, Santam and Hollard Insurance.
Does Everything Insure have an API?
No public API is recorded for Everything Insure.
What industry is Everything Insure in?
Everything Insure's product category is Digital Insurance Marketplace. Its primary akta.pro industry code is FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms, with a secondary code of FSAGAGAE, Data, Analytics & AI for Insurance (Risk, Pricing, Personalization). Its NAICS code is 5242 and its SIC code is 6411.