Bene Assicurazioni

Name

Bene Assicurazioni

Legal name

Bene Assicurazioni

Website

https://www.bene.it/

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Milan

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Auto Insurance Premiums: Recurring insurance premiums collected from auto/RCA coverage policies, including optional add-ons such as legal protection, accidents, and roadside assistance
2. Home Insurance Premiums: Recurring premiums from home insurance policies covering property and related risks
3. Pet Insurance Premiums: Recurring premiums from pet insurance policies
4. Travel Insurance Premiums: Premiums from travel insurance policies, currently offered at a 20% discount

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Bene Assicurazioni is an Italian insurance company that underwrites and distributes personal lines insurance products — auto, home, pet, and travel — to individual consumers. Policies are sold either online via its website and mobile app (BeneApp) with instant quote generation and immediate policy issuance, or through a network of over 500 physical agencies across Italy. The company also recently acquired CF Assicurazioni and CF Life, expanding into life insurance effective May 2026.

Product overview

Bene Assicurazioni is an Italian insurance company offering a multi-product portfolio centered around its core digital platform. The main products include auto, home, pet, and travel insurance policies that can be purchased online or through a network of over 500 agencies across Italy. The company's digital offering is anchored by the Bene App (mobile application) and Area Riservata (customer portal), which enable customers to calculate quotes, purchase policies, manage documents, and link certificates to digital wallets (Apple Wallet/Google Wallet). The company recently expanded through the acquisition of CF Assicurazioni and CF Life (life insurance), both effective May 2026. Additional coverage options include legal protection (tutela legale), accident coverage (infortuni), and roadside assistance (assistenza stradale) as add-on modules to core policies.

Differentiator

Problem solved

Functional benefit

Products and services

• Assicurazione Auto (Auto Insurance) Auto insurance policy providing coverage for vehicle damage, mandatory RCA (civil liability), and related protections. Customers can calculate a quote using just a license plate and date of birth, purchase online, and receive immediate policy issuance upon payment. Optional add-ons include legal protection, accident coverage, and roadside assistance.
• Assicurazione Casa (Home Insurance) Home insurance policy covering property damage, liability, and other home-related risks for individual homeowners and renters.
• Assicurazione Pet (Pet Insurance) Pet insurance policy providing coverage for veterinary expenses and pet-related incidents for individual pet owners.
• Assicurazione Viaggi (Travel Insurance) Travel insurance policy offering coverage for trip-related risks, cancellations, and medical emergencies abroad. Currently promoted with a 20% discount.

Quantifiable outcome

• 4.5 out of 5 average rating on Trustpilot

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

One partnership is on record.

• CF Assicurazioni S.p.A.majorOthers · 1 May 2026Bene Assicurazioni acquired the branch of business (ramo di azienda) of CF Assicurazioni S.p.A. effective May 1, 2026. This acquisition was authorized by IVASS with provvedimento n. 63572 and completed on April 29, 2026. The acquisition expands Bene Assicurazioni's market presence and customer base.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Generali Italia: Italian arm of Generali Group, the largest Italian insurer, offering a broad portfolio across P&C, life, and health. Materially comparable product overlap with Bene but at vastly larger scale and broader product set.
• UnipolSai Assicurazioni: One of Italy's largest P&C and life insurers with a strong agency distribution network. Directly comparable to Bene's hybrid distribution model and multi-line personal lines focus, but with materially larger market share.
• Allianz Italia: Italian subsidiary of global insurer Allianz SE, offering auto, home, life, and health products through agency and broker channels. Comparable multi-line offering and physical distribution footprint.
• Zurich Italia: Italian operations of Zurich Insurance Group, offering auto, home, and life products through agents and brokers. Comparable multi-line personal lines portfolio with established agency distribution.
• Helvetia Italia: Italian subsidiary of Swiss insurer Helvetia, providing personal and commercial P&C plus life. Comparable multi-line European insurer with Italian agency network, similar in market positioning to Bene.

Direct peers

• Vittoria Assicurazioni: Mid-sized Italian insurer with auto, home, and life lines distributed primarily through a national agency network. Closely comparable to Bene in scale, distribution model, and product mix.
• Verti Assicurazioni: Direct (online) Italian insurer offering auto and home insurance, part of MAPFRE group. Competes with Bene for the same price-sensitive, digitally inclined Italian personal-lines customers.
• Reale Mutua: Italian mutual insurer with a multi-line personal and commercial portfolio and a substantial agency network. Comparable distribution philosophy and product breadth to Bene.

Emerging players

• Prima Assicurazioni: Italy's first fully digital auto insurer, competing on price and UX in the same RCA market as Bene. Represents the digital-native pressure that Bene's hybrid model is designed to counter.
• Direct Assicurazioni: Italy-based direct insurer for auto and home coverage, focused on telematics and digital channels. Comparable digital-first go-to-market in the same product lines as Bene.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments1 record

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

Frequently asked questions about Bene Assicurazioni