CLB

What CLB does

CLB Független Biztosítási Alkusz Kft. is a Hungarian independent insurance broker founded in 1994 that operates an online insurance comparison and purchase platform at clb.hu. The platform aggregates policy quotes from more than a dozen Hungarian insurance carriers — including Allianz Hungária, Generali, Groupama, Uniqa, Signal Iduna, Aegon, Genertel, KÖBE, Colonnade, UNION, and EUB — across product categories that span mandatory third-party liability (KGFB), casco, home, travel, life, accident, vehicle assistance, fleet, and corporate/business insurance. The core technology is a set of web-based calculators (one per insurance line) that drive a product-led growth funnel, supplemented by a customer portal (Ügyfélkapu), a partner portal for sub-brokers, a free claims management service branded Kármester, and content marketing assets including a blog, expert Q&A section, and the Kockazatos podcast. The company distributes through approximately 650 sales points in addition to its online self-serve channel.

CLB monetizes exclusively through insurance commissions: as an alkusz (independent broker), it earns referral/affiliate-style commissions from carriers for policies bound through its platform, with consumers using the comparison and purchasing tools free of charge. The business serves two primary customer segments — individual Hungarian consumers (vehicle owners, homeowners, travelers) and SMB/mid-market businesses (fleet operators, corporate liability/cargo/agricultural insurance buyers) — and segments horizontally across use cases rather than by industry vertical. A noteworthy commercial arrangement is the exclusive distribution partnership with KÖBE for its differentiated önrész (deductible) insurance product, which gives CLB sole-broker status on a niche line. The company is privately held, founder/owner-managed, headquartered in Budapest, and operates entirely within the Hungarian domestic market with no disclosed international expansion.

Name

CLB

Legal name

CLB Független Biztosítási Alkusz Kft.

Website

https://clb.hu

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

51–100 employees

Short description

CLB is a Hungarian independent insurance broker operating an online comparison platform that distributes policies from 11+ major carriers across vehicle, home, travel, life, and corporate insurance to Hungarian consumers and SMBs via 650 sales points.

Ownership category

akta.pro rank

Headquarters

HQ city

Budapest

HQ country

Hungary

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission: CLB acts as an independent insurance broker (alkusz) earning commissions from insurance companies for policies sold through their platform. The company works with multiple insurance providers offering various insurance products.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

CLB is an independent Hungarian insurance broker (alkusz) that operates an online price-comparison and policy-contracting platform aggregating products from more than 20 domestic insurance carriers. It enables individuals and businesses to compare, conclude, and manage motor, home, travel, life, accident, corporate, and fleet insurance policies, supported by partner and customer portals and a dedicated claims-management module.

Product overview

CLB is a Hungarian independent insurance broker (Független Biztosítási Alkusz) offering an online insurance comparison and purchase platform. The company provides a portfolio of insurance products including mandatory vehicle insurance (KGFB), comprehensive casco insurance, home insurance, travel insurance, life insurance, accident insurance, vehicle assistance, fleet insurance, and corporate/business insurance. CLB operates primarily through online calculators and digital comparison tools, allowing customers to compare and purchase insurance policies from multiple insurance providers. The platform also includes customer portal services, claims processing, anniversary reminders, and an SMS notification system.

Differentiator

Problem solved

Functional benefit

Brands

• Kármester: Online claims management service providing free insurance claims assistance, repair shop coordination, and claims-related information
• Kockazatos Podcast

Products and services

• Mandatory vehicle insurance (KGFB)

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Allianz HungáriacoreStrategic or Co-development PartnerAllianz Hungária is one of the major insurance providers available through CLB's platform. CLB provides news and information about Allianz products including travel insurance advisories for Middle East situations.
• GeneralicoreStrategic or Co-development PartnerGenerali is a key insurance partner offering products through CLB's platform including vehicle and home insurance.
• GenertelcoreChannel Partner/ Reseller/ DistributorDirect insurance company whose products are available through CLB's comparison platform.
• GroupamacoreStrategic or Co-development PartnerGroupama provides insurance products including travel insurance that are distributed through CLB's platform.
• Signal IdunacoreChannel Partner/ Reseller/ DistributorInsurance provider with vehicle insurance products available through CLB.
• UniqacoreChannel Partner/ Reseller/ DistributorUniqa insurance products are distributed through CLB's platform including travel insurance.
• KÖBE (Közlekedési Biztosító Egyesület)coreStrategic or Co-development PartnerKÖBE is a transport insurance association and CLB is their exclusive partner for selling self-insurance (önrész biztosítás) products. This is a significant partnership where CLB is the sole distributor of KÖBE's unique deductible insurance product.
• AegoncoreChannel Partner/ Reseller/ DistributorAegon insurance products are available through CLB's platform.
• ColonnademinorChannel Partner/ Reseller/ DistributorInsurance provider offering travel insurance products available through CLB.
• UNIONminorChannel Partner/ Reseller/ DistributorInsurance provider with travel insurance products available through CLB.
• EUB UtasbiztosításminorChannel Partner/ Reseller/ DistributorTravel insurance provider whose products are distributed through CLB.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Check24: Germany's largest independent comparison platform, with insurance (Kfz, Hausrat, Reise, Leben) as a core vertical alongside banking, energy, and telecom. Comparable to CLB in business model and product breadth, but operating at vastly greater scale and serving a much larger insurance market.
• MoneySupermarket: UK price comparison platform with insurance as one of its leading verticals (car, home, travel, life). Comparable to CLB through its commission-based broker-aggregator model and self-serve calculator UX, though at much larger scale and with public-company financials.
• Confused.com: UK insurance aggregator (part of Admiral Group) with car, home, travel, and life coverage. Comparable to CLB in business model and consumer-facing comparison UX, operating at much greater scale and with significantly broader brand awareness.
• Rastreator: Leading insurance comparator in Spain (and expanding into Latin America), covering auto, home, and life insurance. Comparable to CLB as a multi-product, commission-based online broker targeting Southern European consumers with similar calculator-driven UX.
• Compare the Market: UK insurance comparison brand (owned by BGL Group) covering car, home, travel, and life insurance. Direct analogue to CLB's product portfolio and self-serve comparison model, though operating in a far larger and more competitive UK market.
• Verivox: German independent comparison portal covering insurance, energy, telecom, and finance. Comparable to CLB through its insurance comparison and switching offering, especially in vehicle and household lines where CLB also generates commissions.
• LeLynx: French insurance comparison platform (part of Covéo) offering car, home, and health/mutuelle comparisons through a self-serve portal. Closely comparable to CLB in commission economics, product breadth, and customer-acquisition model.

Direct peers

• Kötély.hu: Hungarian insurance broker and comparison site focused on mandatory and casco vehicle insurance, with similar self-serve calculator UX. Comparable to CLB as a single-country Hungarian broker competing for the same KGFB/casco anniversary-switch traffic.
• Netrisk.hu: Hungarian online insurance broker and aggregator operating since 1994, providing comparison and purchase for vehicle, home, travel, and life insurance. Closest direct competitor to CLB in the same Hungarian alkusz category with the same multi-line calculator model.
• Biztosítás.hu: Hungarian insurance comparison portal offering calculators for vehicle, home, and life insurance from multiple carriers. Competes head-to-head with CLB for the same Hungarian consumer insurance-buyer intent and commission-driven revenue model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeclb.hu/kockazatos_podcast
• Xx.com/CLB_ALKUSZ
• Facebookfacebook.com/clb.hu

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 CLB