hotline.finance

What hotline.finance does

hotline.finance is a Kyiv-based online insurance marketplace founded in 2018-2019 that aggregates 25+ Ukrainian insurance companies onto a single web platform and native iOS/Android mobile applications, enabling consumers to compare, purchase and store electronic insurance policies 24/7. The platform spans mandatory OSAGO (avtotsivilka), international Green Card, voluntary KASKO and Mini-KASKO, additional civil liability (ДЦВ), travel, weapon-owner liability, housing/property (with optional war-risk cover), personal accident, driver medical, and a Hotline Assistance roadside service card, plus adjacent driver utilities (traffic-fine payment, European e-vignettes, vehicle plate lookup, policy validity checks). Underlying technology is a Next.js-based web product integrated in real time with the МТСБУ central database for OSAGO registration and verification, Cloudflare-secured PCI DSS 3.2 payment infrastructure, and Diya government-app integration for electronic-policy delivery; an AI Deeplinks mechanism (llms.txt / llms-kasko.txt) was added in 2025 so that LLM assistants can construct pre-filled KASKO quote URLs from natural-language requests.

The company monetises primarily through marketplace commissions and broker spreads on each policy sold (including up to 10% KASKO cashback funded from platform commission), value-added service mark-ups (Assistance +119 ₴ to +139 ₴, weapon +15 to +60 ₴), referral-program incentives (10-30% bonus, up to 40% payable from bonus balance), and the recurring Hotline Assistance subscription. Customers are Ukrainian drivers, outbound travellers, homeowners/renters, and weapon owners (the latter requiring the policy for permit registration); primary segments are consumers with no enterprise named-account concentration. Distribution is product-led and self-serve, supplemented by the hotline.ua partner-project relationship, a Партнерська програма affiliate programme, SEO-optimised city-level price pages, and earned-media coverage in Forbes, Ukrainska Pravda, Liga.net and Interfax-Ukraine.

Reported scale indicators include 2,000,000+ cumulative policies sold, 940,000+ mobile app downloads, a 4.8/5 average customer rating across Facebook/Google Play/internal feedback/app stores, and the Ukrainian People's Choice Award in the insurance marketplace category for six consecutive years (2020-2025). The company has 51-100 employees, is privately held with no disclosed funding rounds, and faces material macro/geopolitical risk given its single-country (Ukraine) operating footprint and war-risk product exposure.

Name

hotline.finance

Legal name

hotline.finance

Website

https://hotline.finance

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

51–100 employees

Short description

hotline.finance is a Kyiv-based online insurance marketplace aggregating 25+ Ukrainian insurers, serving drivers, travellers, homeowners and weapon owners with OSAGO, KASKO, Green Card, travel, property and weapon policies purchasable 24/7 via web and mobile apps, with cumulative volume of 2,000,000+ policies sold.

Ownership category

akta.pro rank

Product category

Online Insurance Marketplace / Insurance Aggregator

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Billing, Payments & Premium Finance Platforms (FSAGAGAI)

Keywords

• Insurance marketplace
• Online insurance aggregator
• Policy comparison platform
• Digital insurance broker
• Electronic insurance policy

Headquarters

HQ city

Kyiv

HQ country

Ukraine

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Insurance marketplace commission / broker fee: Hotline.finance acts as an insurance intermediary / marketplace, monetizing the difference between insurer-set premium and customer-paid price plus value-added service fees (e.g. service mark-up on Assistance card prices 480 → 599 ₴, on weapon insurance 270 → 300 ₴) on each policy sold.
2. KASKO cashback-funded commission: For full KASKO policies (auto-damage/theft), hotline.finance earns up to 10% cashback-rebated revenue from insurers per policy, paid to the platform rather than the customer as cashback (cashback is funded from platform commission).
3. Bonus / referral programme monetisation: Referral programme lets users earn 10% (or up to 30% per headline) of referred friends' policy prices as bonus balance that can be applied to up to 40% of a future policy price — effectively a loyalty discount mechanism. Also offers a Партнерська програма (affiliate programme).
4. Assistance / value-added service subscription: Hotline Assistance roadside cards (Standard / Extended / Extended+Europe) are sold as 1-year service subscriptions with built-in mark-up (e.g. 480 ₴ base + ~119 ₴ mark-up).
5. Premium / 'Premium OSAGO' upsell add-ons: Premium OSAGO tier bundles priority support, cashback on tow truck (up to 5,000 ₴), legal aid (up to 1,000 ₴), termination cashback (up to 1,000 ₴), 6-installment payment without fees, and enhanced loyalty bonuses — a per-policy feature add-on revenue stream.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels8 records

Core offering

hotline.finance is an online insurance marketplace and aggregator that compares offers from 25+ Ukrainian insurance companies and lets consumers purchase electronic mandatory and voluntary insurance policies (OSAGO, Green Card, KASKO, Mini-KASKO, additional OSAGO coverage, travel, weapon-owner liability, housing/property, accident, driver medical) in approximately five minutes, 24/7, with electronic delivery by email, Viber, Diya and a mobile app. The platform also distributes its own Hotline Assistance roadside-assistance cards in three tiers and adjacent driver services (European vignettes, traffic-fine payment, vehicle plate lookup, policy validity check).

Product overview

hotline.finance is a unified online insurance marketplace platform for the Ukrainian market, built as a single web portal plus mobile app (iOS/Android) into which a portfolio of insurance and adjacent driver-service products are integrated as modules. The core platform handles quote comparison, online purchase, electronic policy delivery (email, Viber, Diya, app) and storage; on top of it sit the insurance products — OSAGO (автоцивілка), Green Card (Зелена картка), full КАСКО, МініКАСКО (with optional war-risk coverage), additional civil liability (ДЦВ), travel insurance, weapon-owner liability, housing/property insurance (with optional war-risk add-on), accident insurance and driver medical insurance — together with non-insurance driver services such as Hotline Assistance roadside-assistance cards, European e-vignettes (віньєтки) and online traffic-fine payment (Штрафи ПДР), plus a referral/bonus program and AI Deeplinks for LLM-driven quote generation.

Differentiator

Problem solved

Functional benefit

Brands

• Hotline Assistance: 24/7 roadside technical assistance service for drivers in Ukraine and Europe, with three tiers (Standard, Extended, Extended + Europe).

Products and services

• OSAGO / Автоцивілка (mandatory motor third-party liability) Online comparator and purchase of mandatory Ukrainian OSAGO policies with 15+ offers, electronic policy issued in approximately five minutes, automatic registration in the МТСБУ central database, delivery by email/Viber/Diya and mobile app, installment payments, Premium tier with cashback benefits, 50% statutory discount for eligible categories and Individual Offer feature with up to 20% additional discount.
• Green Card (Зелена картка) international motor insurance Online purchase of international Green Card motor insurance for trips abroad, covering 15 days and longer across approximately 44 countries (Europe, Moldova, Azerbaijan, Turkey, etc.; excludes Russia/Belarus). Policies are verifiable via a QR code on the policy and via the МТСБУ database.
• КАСКО (full voluntary auto insurance) Voluntary comprehensive auto insurance against damage, theft, vandalism, natural disasters and (under some programs) war risks. Quotes are obtained online but policies must be inspected and signed with the chosen insurer; hotline.finance pays up to 10% cashback on the policy price and supports AI Deeplinks to pre-fill the quote form from an LLM conversation.
• МініКАСКО (Mini-KASKO with optional war-risk coverage) Simplified, cheaper alternative to full КАСКО covering a narrower set of risks (own-car repair at the policyholder's fault, partial/total destruction and optionally war risks). Can be issued fully online in approximately five minutes without vehicle inspection, for any car age.
• ДЦВ — Additional OSAGO coverage (Додаткове покриття ОСЦПВ) up to 1,000,000 ₴ Top-up coverage on top of any OSAGO policy that pays damages exceeding the statutory 250,000 ₴ property / 500,000 ₴ life-and-health limits, in increments of +100,000, +250,000, +500,000 and +1,000,000 ₴ (priced 330/465/720/990 ₴). Underwritten exclusively by VUSO. 1-year term.
• Hotline Assistance roadside-assistance card (3 tiers) 24/7 roadside-assistance card offered in three tiers (Standard, Extended, Extended + Europe) for towing, fuel delivery, engine start, tire change, lockout, taxi, parking and accommodation, with up to 15,000 ₴ of paid services per year and 24/7 dispatch via +38 044 363 07 27. Tied to the vehicle rather than the owner; freely transferable on resale.
• Travel insurance (Туристичне страхування) Online travel medical insurance comparator and issuer covering Schengen/Europe, Egypt, Turkey, CIS (ex-Russia/Belarus) and Worldwide zones for 25+ insurers, with options for multi-trip annual coverage, work abroad, active leisure and amateur sport.
• Weapon-owner liability insurance (Страхування відповідальності власників зброї) Required liability insurance for Ukrainian firearm owners, offered in three tiers from USG — Standard (82,000 ₴ coverage, 300 ₴ / 3 years), Optimum (240,000 ₴ coverage, 600 ₴ / 3 years) and Premium (480,000 ₴ coverage, 1,200 ₴ / 3 years) — with accident and financial-expense cover on the upper tiers.
• Housing / property insurance (Страхування житла) with optional war-risk add-on Online property insurance for apartments and houses (including rented homes), issued by VUSO with limits of 100,000 / 250,000 / 500,000 ₴ for the home and 25,000 / 50,000 / 100,000 ₴ for third-party liability. Optional 15- or 30-day add-on covers war risks (missiles, drones, air-defense debris, shockwave) with a restricted territory map.
• Personal accident insurance (Страхування від нещасних випадків) Personal accident insurance available from 44 ₴/month, issued online through the hotline.finance portal.
• Driver medical insurance at road accident (Медичне страхування водія) Medical insurance for the driver covering treatment costs in the event of a road traffic accident, purchased online.
• hotline.finance mobile application (iOS and Android) Companion mobile app for purchasing, renewing, storing and presenting insurance policies across all product lines. Aggregates policies in a personal account, auto-pulls e-OSAGO into Diya, sends renewal reminders and supports traffic-fine payment. Available on App Store (4.8/5) and Google Play (4.3/5) with 940,000+ downloads cited.

Quantifiable outcome

• 2,000,000+ insurance policies purchased online through the platform
• +6 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability7 records

Feature6 records

Partnerships

29 partnerships are on record, tiered flagship, core and minor.

• VUSO (ВУСО)flagshipStrategic or Co-development PartnerVUSO is one of the most prominent insurance partners on the platform. It is the sole underwriter of the ДЦВ (additional liability) coverage, the sole underwriter of the property insurance product and the main partner for the Assistance card. Hotline.finance deeply integrates VUSO offerings into multiple product flows.
• TAS (ТАС / СГ ТАС)coreChannel Partner/ Reseller/ DistributorTAS Group is a major insurance partner; their travel, OSAGO and Green Card policies are distributed through hotline.finance, alongside TAS Life (life-insurance arm). 542+ OSAGO reviews visible on the platform.
• ARX (СК ARX)coreChannel Partner/ Reseller/ DistributorARX is featured prominently with 781 customer reviews on OSAGO and integrated into both OSAGO and voluntary product flows.
• Oranta (НАСК Оранта)coreChannel Partner/ Reseller/ DistributorOranta is the largest insurance partner by review volume (1,048 OSAGO reviews) and is heavily promoted across OSAGO, KASKO and other lines on hotline.finance.
• PZU Ukraine (ПЗУ Україна)coreChannel Partner/ Reseller/ DistributorPZU Ukraine is a top-3 partner by review volume (1,203 OSAGO reviews) and is featured across OSAGO and Green Card.
• INGO (INGO Ukraine)coreChannel Partner/ Reseller/ DistributorINGO distributes OSAGO, Mini-KASKO and other voluntary products via the platform (285 OSAGO reviews).
• UNIQA UkrainecoreChannel Partner/ Reseller/ DistributorUNIQA distributes OSAGO, Mini-KASKO and other voluntary products through hotline.finance (507 OSAGO reviews).
• USG (Українська Страхова Група)coreStrategic or Co-development PartnerUSG is the exclusive insurance underwriter for the weapon (owner liability) product on hotline.finance. It also appears in OSAGO, Green Card and travel flows.
• Країна (SK Krayina PU)coreChannel Partner/ Reseller/ DistributorКраїна is featured in KASKO (100 reviews) and OSAGO flows on the platform.
• ВІДІ-СТРАХУВАННЯ (VIDI Insurance)minorChannel Partner/ Reseller/ DistributorVIDI distributes KASKO and other voluntary products via hotline.finance (26 KASKO reviews).
• Респект (Respect)coreChannel Partner/ Reseller/ DistributorРеспект distributes travel and OSAGO policies through hotline.finance (220 travel reviews).
• Європейське Туристичне Страхування (ЄТС / ERV)coreChannel Partner/ Reseller/ DistributorЄТС is a top travel-insurance partner on the platform (278 travel reviews).
• Інноваційний Страховий Капітал (ІНСК)coreChannel Partner/ Reseller/ DistributorІНСК distributes travel insurance and OSAGO via hotline.finance (157 travel reviews).
• Місто (Misto)minorChannel Partner/ Reseller/ DistributorМісто distributes travel and OSAGO policies on the platform.
• TAS LifeminorChannel Partner/ Reseller/ DistributorTAS Life distributes life-insurance products via hotline.finance.
• Княжа (Knyazha)minorChannel Partner/ Reseller/ DistributorКняжа distributes OSAGO and voluntary products (184 OSAGO reviews).
• Арсенал СтрахуванняminorChannel Partner/ Reseller/ DistributorАрсенал distributes OSAGO and voluntary products via hotline.finance.
• Експрес СтрахуванняminorChannel Partner/ Reseller/ DistributorЕкспрес distributes OSAGO and voluntary products (461 OSAGO reviews).
• Інтер-ПолісminorChannel Partner/ Reseller/ DistributorІнтер-Поліс distributes OSAGO and voluntary products via hotline.finance.
• ЕталонminorChannel Partner/ Reseller/ DistributorЕталон distributes OSAGO and voluntary products (143 OSAGO reviews).
• Українська транспортна страхова компаніяminorChannel Partner/ Reseller/ DistributorUkrainian Transport Insurance Company distributes OSAGO and voluntary products via hotline.finance.
• Колоннейд Україна (Colonnade Ukraine)minorChannel Partner/ Reseller/ DistributorColonnade distributes OSAGO and voluntary products via hotline.finance.
• Європейський страховий альянсminorChannel Partner/ Reseller/ DistributorEuropean Insurance Alliance distributes OSAGO and voluntary products via hotline.finance.
• Євроінс Україна (Euroins Ukraine)minorChannel Partner/ Reseller/ DistributorEuroins Ukraine distributes OSAGO, KASKO and Mini-KASKO via hotline.finance (172 OSAGO reviews).
• hotline.uaflagshipGTM or Marketing Partnerhotline.finance is officially branded as 'Партнер проєкту hotline.ua' — leveraging Ukraine's largest price-comparison platform for traffic and trust transfer.
• CloudflarecoreTechnology or IntegrationData security guaranteed by Cloudflare per PCI DSS 3.2 standard — explicit reference to Cloudflare security infrastructure protecting payments and customer data.
• МТСБУ (Motor Transport Insurance Bureau of Ukraine)flagshipTechnology or IntegrationReal-time integration with the МТСБУ centralized database for OSAGO policy issuance, registration, verification and the 'Policy Validity Check' feature (Перевірка поліса).
• Diya (Дія) — Ukrainian government e-services appflagshipTechnology or IntegrationActive electronic OSAGO policies purchased on hotline.finance are auto-pushed into the Diya government application. Hotline.finance also surfaces information about Diya-based state compensation for UBD-category drivers.
• Асоціація українських фінтех та інноваційних компаній (UAFIC)coreStrategic or Co-development PartnerHotline.finance is a member of UAFIC — the Ukrainian Association of Fintech and Innovation Companies — providing industry representation and ecosystem participation.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Coverfox: Indian online insurance comparison platform distributing motor, health, life and travel products across multiple insurers. Directly comparable as a digital insurance marketplace targeting mass-market consumers in an emerging market.
• GoCompare: UK insurance and financial services comparison marketplace showing real-time prices from multiple providers. Highly comparable online aggregator with commission-based monetization across multiple insurance product lines.
• PolicyBazaar (PB Fintech): India's largest online insurance aggregator and marketplace, comparing life, health, motor and travel policies from multiple insurers in a single self-serve flow. Closest comparable to hotline.finance in product/UX, marketplace monetization and emerging-market insurance distribution.
• The Zebra: US-based insurance comparison marketplace for auto, home and life insurance, monetizing via referrals to carriers. Comparable product/marketplace model targeting consumer-facing insurance distribution with multi-carrier panels.
• Compare the Market: UK-based multi-product insurance and financial services price comparison platform. Comparable in scope and GTM (PLG comparison engine with branded campaigns) to hotline.finance's calculator-led flow.
• Selectra: European price-comparison group covering energy, telecom, banking and insurance products across multiple countries. Comparable multi-product comparison platform monetizing via referrals/commissions in regulated consumer verticals.
• Confused.com: UK price-comparison website for motor, home, travel and life insurance from multiple providers. Operates the same aggregator/marketplace model as hotline.finance, distributing regulated insurance products from a panel of carriers.

Others

• hotline.ua: Ukraine's leading price-comparison platform (parent/sister project of hotline.finance per the company's own footer branding). Comparable as an adjacent comparison-driven marketplace and as a referral-traffic partner, though it focuses on goods rather than insurance.

Regional players

• finance.ua: Major Ukrainian financial-services comparison portal covering banking, insurance and consumer-credit products. Closest Ukrainian regional comparable to hotline.finance, with overlapping insurance-comparison use cases for Ukrainian consumers.

Emerging players

• Lemonade: US InsurTech using AI/mobile-first flows to sell renters, home, car, pet and life insurance directly. Overlaps with hotline.finance in mobile-first insurance distribution but operates as a direct carrier, not an aggregator, so the comparison is partial.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Instagraminstagram.com/hotline.finance
• Xx.com/hotline4finance
• Facebookfacebook.com/hotline.finance
• LinkedInlinkedin.com/company/probanker.ua

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 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 hotline.finance