Top-Pojištění.cz

What Top-Pojištění.cz does

Top-Pojištění.cz is the first and oldest online insurance comparison portal in the Czech Republic, founded November 1, 2005 and originally launched as Pojištění online s.r.o. It operates as a self-serve, product-led-growth aggregator that enables Czech consumers to compare and purchase four core insurance categories — travel, mandatory vehicle liability (povinné ručení), comprehensive vehicle (havarijní pojištění), and home contents/property — through a unified web-based calculator that pulls offerings from 17 partner insurance companies, including Allianz, ČSOB Pojišťovna, Kooperativa, Generali Česká pojišťovna, UNIQA, Slavia, Direct, ČPP, Pillow, PVZP, AXA Assistance, ERGO, Colonnade, SV, Union, and KB. The platform is registered as an independent insurance intermediary with the Czech National Bank (ČNB) and a member of APEK.

Technically, the product is a web calculator plus a Klientská zóna (Client Zone) portal that stores contracts, green cards, and payment receipts, supports online payment, document upload, and template-driven renewals; purchase flow is positioned to complete in approximately five minutes with documents emailed to the customer. The company holds the registered trademark 'top-pojištění.cz' (No. 342941) and maintains WCAG 2.1 web accessibility compliance under Czech Law No. 424/2023 Coll.

The business model is dual: commission revenue from partner insurers for each intermediated contract (affiliate/referral economics) plus advertising revenue from portal ad placements, with services provided free to end users. Top-Pojištění.cz has been part of the ČSOB (Československá obchodní banka) financial group since April 2016, following its acquisition, and on January 1, 2021 the legal entity merged into Ušetřeno.cz Finanční služby, a.s., with the brand now operated as a commercial brand of Ušetřeno s.r.o. (IČO: 27388239) within the group. Services are restricted to the Czech Republic, and the company reports a 4.79/5 average rating from 15,443 verified customer reviews, with self-reported figures of 85% of clients saving money and 99% recommending the service.

Name

Top-Pojištění.cz

Legal name

Ušetřeno s.r.o.

Website

https://top-pojisteni.cz

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Top-Pojištění.cz is a Czech online insurance comparison and brokerage portal, founded 2005, that aggregates travel, vehicle, and home insurance products from 17 partner insurers for Czech consumers on a commission-based, self-serve basis, and has operated within the ČSOB financial group since 2016.

Ownership category

akta.pro rank

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Insurance distribution commissions: The company earns commissions from insurance companies (Pojišťovny) for each insurance contract it intermediates. The company is a registered independent insurance broker licensed by the Czech National Bank (ČNB).
2. Advertising revenue: The company generates revenue from the sale of advertising space on its portal.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Top-Pojištění.cz operates an online insurance comparison and brokerage portal that aggregates policies from 17 partner insurance companies and lets Czech consumers calculate, compare, and purchase travel, mandatory vehicle liability (povinné ručení), comprehensive vehicle (havarijní), home contents, and property insurance in a single web interface. The company is a registered independent insurance intermediary with the Czech National Bank (ČNB) and earns commissions on every policy it places, with the comparison service provided free of charge to end users.

Product overview

Top-Pojištění.cz operates as an online insurance comparison and brokerage portal that aggregates offerings from 17+ partner insurance companies. The platform provides a unified web-based calculator interface enabling users to compare and purchase four core insurance products: travel insurance (cestovní pojištění), mandatory vehicle liability (povinné ručení), comprehensive vehicle insurance (havarijní pojištění), and home contents/property insurance (pojištění domácnosti/nemovitosti). Users access the platform through an online calculator and Klientská zóna (Client Zone) portal for document management. The company acts as an independent insurance broker registered with the Czech National Bank, earning commissions from partner insurers for policy placements.

Differentiator

Problem solved

Functional benefit

Products and services

• Travel Insurance (Cestovní pojištění) Online travel insurance comparison and brokerage service offering coverage for medical expenses, repatriation, accidents, liability, and luggage, with add-ons for extreme sports, winter sports, trip cancellation, and vehicle assistance, aggregated from partner insurers and sold to Czech consumers.
• Mandatory Vehicle Liability Insurance (Povinné ručení) Mandatory third-party liability insurance for vehicle owners as required by Czech law, offered through online comparison and brokerage of policies from multiple partner insurers including Allianz, ČPP, ČSOB, Direct, Generali, Kooperativa, Pillow, PVZP, Slavia, and UNIQA.
• Comprehensive Vehicle Insurance (Havarijní pojištění) Comprehensive vehicle insurance covering accidents, theft, vandalism, and natural disasters, with online comparison of policies from partner insurers and add-ons for glass, seats, luggage, rental vehicles, and roadside assistance.
• Home Contents Insurance (Pojištění domácnosti) Home contents insurance covering furniture, electronics, appliances, clothing, valuables, and sports equipment against fire, water damage, theft, and natural disasters, with property insurance add-ons and liability coverage available through online comparison.
• Property/Building Insurance (Pojištění nemovitosti) Building insurance covering walls, ceilings, roofs, windows, and structural elements against fire, explosions, water, storms, flooding, theft, and vandalism, applicable to residential buildings, vacation homes, garages, and apartments.

Quantifiable outcome

• 85% of clients save money on insurance through the platform
• +2 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

15 partnerships are on record, tiered core and minor.

• Allianz pojišťovnacoreChannel Partner/ Reseller/ DistributorPartner insurance company offering compulsory vehicle insurance, travel insurance, vehicle insurance, and household insurance products through the Top-Pojištění.cz comparison platform.
• ČSOB PojišťovnacoreChannel Partner/ Reseller/ DistributorPartner insurance company offering compulsory vehicle insurance, travel insurance, vehicle insurance, and household insurance products through the platform. Part of the same financial group as the operating company.
• Kooperativa pojišťovnacoreChannel Partner/ Reseller/ DistributorPartner insurance company offering compulsory vehicle insurance, travel insurance, vehicle insurance, and household insurance products.
• Generali Česká pojišťovnacoreChannel Partner/ Reseller/ DistributorPartner insurance company offering compulsory vehicle insurance, travel insurance, vehicle insurance, and household insurance products.
• UNIQA pojišťovnacoreChannel Partner/ Reseller/ DistributorPartner insurance company offering compulsory vehicle insurance, travel insurance, vehicle insurance, household insurance, and building insurance products.
• Slavia pojišťovnacoreChannel Partner/ Reseller/ DistributorPartner insurance company offering compulsory vehicle insurance, travel insurance, vehicle insurance, and household insurance products.
• Direct pojišťovnacoreChannel Partner/ Reseller/ DistributorPartner insurance company offering compulsory vehicle insurance, travel insurance, vehicle insurance, and household insurance products.
• ČPP (Česká podnikatelská pojišťovna)coreChannel Partner/ Reseller/ DistributorPartner insurance company offering vehicle insurance and building insurance products.
• Pillow pojišťovnacoreChannel Partner/ Reseller/ DistributorPartner insurance company offering compulsory vehicle insurance, vehicle insurance, and household insurance products. First fully digital Czech insurer.
• VZP Pojišťovna (PVZP)coreChannel Partner/ Reseller/ DistributorPartner insurance company offering travel insurance, household insurance, building insurance, compulsory vehicle insurance, and vehicle insurance products. Subsidiary of Všeobecná zdravotní pojišťovna ČR.
• AXA Assistance (INTER PARTNER)coreChannel Partner/ Reseller/ DistributorPartner providing travel insurance products through the platform. AXA Assistance CZ provides assistance services for PVZP.
• SV pojišťovnaminorChannel Partner/ Reseller/ DistributorPartner insurance company offering travel insurance and household insurance products.
• Colonnade InsuranceminorChannel Partner/ Reseller/ DistributorPartner insurance company offering travel insurance products.
• ERGO pojišťovnaminorChannel Partner/ Reseller/ DistributorPartner insurance company offering travel insurance and building insurance products.
• Union pojišťovnaminorChannel Partner/ Reseller/ DistributorPartner insurance company offering travel insurance. Slovak insurer with operations in the Czech Republic.

Scale indicators8 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Check24 (Germany): Germany's leading multi-category comparison portal covering insurance, banking, energy, and telecom. Represents a scaled-up version of the same aggregator model Top-Pojištění.cz executes in a single country and product set; useful benchmark for breadth and monetization.
• GoCompare (UK): UK insurance price comparison website operating a similar multi-carrier comparison model across motor, home, and travel insurance. Publicly traded incumbent in a more mature UK comparison market; comparable business model and category.

Direct peers

• Klik.cz: Czech online insurance comparison portal that compares offers from multiple insurers for Czech consumers. Backed by a major banking group (PPF/Air Bank ecosystem), competes head-to-head with Top-Pojištění.cz for insurance comparison traffic.
• Srovnejto.cz: Czech price-comparison platform aggregating insurance alongside other financial products and utilities. Targets the same Czech consumer intent for insurance comparison and operates a similar self-serve calculator model.
• ePojisteni.cz: Czech online insurance comparison portal offering similar multi-carrier price comparison across auto, travel, and household lines. Operates as an independent insurance broker in the same Czech market with overlapping partner insurers and direct competition for the same consumer search queries.
• Finparáda.cz: Czech financial product comparison website that includes insurance alongside banking and investment products. Targets a similar Czech consumer segment with online price comparison across multiple providers.
• 123Pojisteni.cz: Czech insurance broker and comparison portal with overlapping product coverage in motor, travel, and household lines. Directly competes for the same Czech consumer insurance comparison intent.

Others

• Ušetřeno.cz: Sister brand within the same ČSOB/Ušetřeno s.r.o. parent structure. Operates adjacent financial comparison services in the Czech market; not a direct competitor but shares the same parent and overlapping team, and could be combined or cannibalized.
• Direct pojišťovna: Czech direct insurer that is also one of Top-Pojištění.cz's 17 partner insurers. Represents the disintermediation threat: a fully digital insurer that can sell direct without paying aggregator commissions, and serves as both partner and competitor.

Regional players

• Across (Slovak insurtech): Slovak insurance comparison and brokerage portal operating the same aggregator model across multiple insurance lines for Slovak consumers. Comparable business model and CEE market dynamics; provides a template for Top-Pojištění.cz's potential Slovak expansion.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/toppojisteni
• LinkedInlinkedin.com/company/top-pojisteni

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Top-Pojištění.cz