What Beesafe does

Beesafe Sp. z o.o. is a Warsaw-based, fully digital insurance distribution platform operating exclusively in Poland as an insurance agent for Compensa Towarzystwo Ubezpieczeń S.A. Vienna Insurance Group, which underwrites the policies sold through the Beesafe website. The core product is mandatory third-party liability (OC) and comprehensive (AC) auto insurance for cars and motorcycles, purchased through a calculator that requires only a vehicle registration number and owner date of birth. Around this core, Beesafe has assembled a modular catalog of more than 14 add-on coverages including roadside Assistance, travel assistance, accident health ("Zdrowie po wypadku" with up to 250,000 PLN compensation and 30 rehabilitation treatments), luggage insurance (from 31 PLN), sports equipment insurance (49 PLN), glass, tire and battery coverage, urban mobility (scooters/bicycles), and drone insurance, alongside home/apartment property insurance and school accident (NNW) insurance for students.

The platform is built on a standard web stack with no proprietary technology disclosed; functional differentiators are process-oriented rather than technology-originated, including 2-minute online purchase, 2-minute claims filing with same-day compensation, direct settlement from at-fault insurers without negotiation, door-to-door repair service with a loaner car, and digital policy storage in Apple Wallet via a customer portal. Beesafe does not bear underwriting risk and generates revenue via commissions on Compensa-underwritten premiums collected annually, with modular add-ons priced as low-ticket subscriptions on top of the core policy.

Beesafe is a private limited company founded in 2020 with 101–250 employees, share capital of 23,430,000 PLN, and KRS registration 0000824339; it is registered as an insurance agent with the Polish Financial Supervision Authority (KNF) under RPU 11246601/A. Distribution is exclusively digital (website plus phone consultants), with customer acquisition supported by SEO, organic social, a referral program, and paid display partnerships with Onet (Ringier Axel Springer Polska) and Wirtualna Polska.

Name

Beesafe

Legal name

Beesafe Sp. z o.o.

Website

https://beesafe.pl

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

101–250 employees

Short description

Beesafe is a Warsaw-based digital insurance agent selling Compensa/Vienna Insurance Group policies (auto OC/AC, home, accident) to Polish consumers through a fully online self-serve platform with modular add-ons and rapid claims processing.

Ownership category

akta.pro rank

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance premiums: Beesafe generates revenue through annual insurance premiums paid by customers for OC (third-party liability), AC (casco/comprehensive), NNW (accident insurance), and supplementary coverage products. Premiums are collected at policy inception and renewed annually.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels7 records

Core offering

Beesafe is a digital insurance agent in Poland that sells motor, motorcycle, home and apartment, student accident (NNW), bicycle, urban mobility, drone, and supplementary travel, health, and sports equipment insurance products entirely online. The platform lets consumers obtain quotes and purchase policies in seconds using only a vehicle registration number and the owner's date of birth, with annual premium billing and add-on modular coverage. Beesafe is registered as an insurance agent with the Polish Financial Supervision Authority and acts as a digital sales channel for Compensa TU S.A. Vienna Insurance Group, which underwrites the policies.

Product overview

Beesafe is a digital insurance platform operating as part of the Vienna Insurance Group (Compensa), offering a unified online insurance marketplace. The core offering consists of vehicle insurance (OC/AC for cars and motorcycles) purchased entirely online through calculators. This core platform is extended by a modular add-on system offering over 14 supplementary protections including Assistance, travel coverage, health-after-accident coverage, luggage insurance, sports equipment insurance, glass/battery/tire coverage, and urban mobility insurance (scooters, bicycles). Additional products include home/apartment insurance and student accident insurance (NNW Szkolne). The platform is complemented by a Customer Portal for policy management and a digital Wallet feature for storing policies in Apple Wallet. Beesafe positions itself as a fully online, digital-first insurer enabling rapid insurance purchase in seconds.

Differentiator

Problem solved

Functional benefit

Products and services

• Ubezpieczenie OC/AC (Auto Insurance OC/AC)
• Ubezpieczenie motocykla OC/AC (Motorcycle Insurance)
• Ubezpieczenie domu i mieszkania (Home and Apartment Insurance)
• NNW Szkolne (Student Accident Insurance)
• Pomoc w podróży (Travel Assistance)
• Zdrowie po wypadku (Health After Accident)
• Oszczędność na naprawach (Savings on Repairs)
• Ubezpieczenie bagażu (Luggage Insurance)
• Ubezpieczenie sprzętu sportowego (Sports Equipment Insurance)
• Assistance (Roadside Assistance)
• Ubezpieczenie roweru (Bicycle Insurance)
• Ubezpieczenia miejskie (Urban Mobility Insurance)
• Ubezpieczenie drona (Drone Insurance)
• Ubezpieczenie NNW (Personal Accident Insurance)
• Portal klienta (Customer Portal)
• Polisa w telefonie / Wallet (Digital Policy Wallet)

Quantifiable outcome

• Save avg. 40% on repairs vs. authorized service centers
• +1 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• Compensa Towarzystwo Ubezpieczeń S.A. Vienna Insurance GroupcoreStrategic or Co-development PartnerBeesafe operates as an insurance agent for Compensa, selling Compensa insurance products online. Compensa is part of Vienna Insurance Group. Beesafe acts as a digital sales channel while Compensa underwrites the policies and handles claims processing. Beesafe is part of the Compensa group of companies.
• BenefiaminorOthersListed as a related company within the same insurance group/corporate family under Vienna Insurance Group umbrella.
• Ringier Axel Springer Polska sp. z o.o. (Onet)minorGTM or Marketing PartnerTechnology and advertising partner providing ad targeting and display advertising services on the Onet network. Uses cookies and tracking pixels for remarketing.
• Wirtualna PolskaminorGTM or Marketing PartnerAdvertising partner providing display advertising and WP Pixel tracking for targeted marketing campaigns.
• AllegrominorGTM or Marketing PartnerAllegro gift cards (6x 50 PLN = 300 PLN total) are offered as promotional rewards to customers who purchase OC insurance through promotional campaigns.
• iParts.plminorGTM or Marketing PartnerAutomotive parts retailer partnered for promotional gift offerings (38D500 parts set) to OC/AC buyers in promotional campaigns.

Scale indicators3 records

Recent moves2 records

Expansion highlights5 records

Direct peers

• Link4: Polish direct-to-consumer insurer (PZU group) selling motor and property insurance online. Most direct domestic comparable to Beesafe in product line (OC/AC, home, NNW) and digital-first distribution model.
• Rankomat.pl: Leading Polish insurance comparison platform distributing motor, property, and life policies from multiple carriers. Direct competitor for Beesafe's core OC/AC funnel and a key channel partner / rival for Polish digital insurance buyers.
• Ubezpieczenia.pl: Polish insurance aggregator/broker selling motor, property, travel, and life insurance online. Comparable digital distribution model targeting the same Polish consumer P&C buyer as Beesafe.
• mBank: Major Polish digital bank that distributes insurance products (motor, property, life) online to its retail customer base. Comparable digital-first insurance distribution to a captive bank audience in Poland.
• Direct Line Group: UK-listed direct insurer selling motor, home, and personal lines insurance primarily through digital and telephone channels. Closest large-scale international analogue to Beesafe's direct digital P&C distribution model.

Broad incumbents

• PZU: Poland's largest insurer with multi-billion PLN premium income across motor, property, life, and health. Owns Link4; competes broadly with Beesafe in OC/AC and home insurance via both agent and digital channels.
• Warta (Talanx/HDI): Top-tier Polish P&C insurer (HDI/Talanx group) with a wide product portfolio and growing digital sales. Competes with Beesafe across OC/AC, home, and accident insurance.
• Ergo Hestia: One of the largest Polish P&C insurers (Munich Re group) offering motor, property, and personal accident insurance through agents and digital channels. Comparable product overlap with Beesafe across motor and property.

Emerging players

• Lemonade: US-headquartered digital-native insurance carrier using AI-driven UX and mobile-first flows. International reference point for the digital insurance model that Beesafe is pursuing, though operating in different geographies and product mixes.
• Allianz Direct: Digital insurance arm of Allianz selling motor and property insurance online across several European markets. Comparable digital-first P&C distribution model, useful as a European benchmark for the strategy Beesafe is executing in Poland.

Market position

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xfacebook.com/UbezpieczeniaBeesafe
• YouTubeyoutube.com/channel/UCR2ITGga8k2tHF-CTWaqwAA
• LinkedInlinkedin.com/company/ubezpieczeniabeesafe
• Instagraminstagram.com/ubezpieczenia_beesafe
• Facebookfacebook.com/UbezpieczeniaBeesafe

Revenue estimate

Valuation estimate

Number of profiles

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 Beesafe