Polisonline

What Polisonline does

Polisonline is a Kyiv-based Ukrainian insurance aggregator and broker that has operated continuously since 1994. The company operates a web-based platform (polisonline.com.ua) where consumers can compare and purchase mandatory and voluntary personal-lines products — including ОСАГО (compulsory motor third-party liability), the international Green Card, travel, property and add-on coverages such as КАСКО and Extended Direct Settlement / Direct Settlement in full — sourced from a panel of approximately 40 Ukrainian insurers including ПЗУ, АХА, Інго Україна, Уніка, Універсальна and ТАС. Technological delivery is web-based with no native mobile app; integrator systems pull insurer rate feeds and the document workflow is supported by Nova Poshta nationwide delivery.

The second leg of the business is an МТСБУ-accredited independent vehicle appraisal (автоэкспертиза) service, with inspection offices in Kyiv, Kharkiv, Dnipro, Khmelnytskyi and Zhytomyr, using Audatex for standardized damage assessment. Polisonline monetizes through referral commissions on placed policies and per-service fees on vehicle inspections.

The company is privately held, founder-owned with no external funding, and operates with 1–10 employees, making it a small-scale, capital-light distribution and professional-services business serving long-tail individual motorists, travelers and property owners across Ukraine.

Name

Polisonline

Legal name

Polisonline

Website

https://polisonline.com.ua

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Polisonline is a Kyiv-based Ukrainian insurance aggregator and broker, founded 1994, that compares and sells ОСАГО, Green Card, travel and property policies from about 40 insurers nationwide and operates an МТСБУ-accredited vehicle appraisal service in five Ukrainian cities.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Comparison Platform

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

Keywords

• Online insurance aggregator
• Motor insurance brokerage
• Policy comparison platform
• Travel insurance distribution
• Vehicle damage assessment

Headquarters

HQ city

Kyiv

HQ country

Ukraine

HQ region

Europe

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Policy Sales Commission: Polisonline operates as an insurance aggregator/broker, earning commissions from insurance companies for each policy sold through its platform. The company partners with multiple Ukrainian insurers and offers their products at discounted rates, partially funded by commissions received from insurers.
2. Independent Vehicle Inspection Services: Fees charged for independent car damage assessment after traffic accidents. The service includes vehicle inspection, preparation of inspection report, and independent expert assessment. Operates since 1994, conducted over 10,000 auto inspections.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

Polisonline is a Ukrainian online insurance aggregator and broker that compares and distributes motor, travel, and property insurance policies from approximately 40 partner insurance companies through its website with an online calculator, supported by phone, messenger, and email consultation. It also operates an in-house, МТСБУ-accredited independent vehicle damage appraisal service using licensed Audatex software, with physical offices in Kyiv, Kharkiv, Dnipro, Khmelnytsky, and Zhytomyr.

Product overview

Polisonline is an online insurance comparison and brokerage service operating in Ukraine, offering a portfolio of insurance products primarily focused on motor and travel coverage. The core platform consists of four main products: ОСАГО (compulsory motor liability insurance), Зелена Карта (international Green Card motor liability), Туристическое страхование (medical travel insurance), and Страхование имущества (property insurance). These are sold through the company's website, which features an online calculator enabling customers to compare quotes from multiple insurers. A complementary service is independent vehicle appraisal after accidents (автоэкспертиза), helping clients obtain maximum compensation from insurers. Optional add-on modules include ДСВ (voluntary liability extension), Розширене пряме врегулювання (extended direct settlement), and КАСКО (physical vehicle damage). The company distributes electronic (PDF) policies and offers courier delivery in Kyiv/Irpen and Nova Poshta nationwide.

Differentiator

Problem solved

Functional benefit

Products and services

• ОСАГО — Compulsory Motor Third-Party Liability Insurance Mandatory motor liability insurance covering damage to life, health, and property of third parties caused by the policyholder in a road accident. Sold online through an electronic-policy format via the Polisonline comparison platform for individual motorists in Ukraine.
• Зеленая Карта (Green Card) — International Motor Liability Insurance International motor third-party liability insurance for Ukrainian drivers crossing borders. Available in paper and electronic (PDF) formats since March 2022. Covers both regional destinations (Azerbaijan, Belarus, Moldova, Russia) and full-system coverage of all Green Card countries. Required for border crossing.
• Travel Insurance — Outbound Medical Insurance for Travelers Medical insurance for outbound travelers, mandatory for most visa applications. Covers emergency medical care, hospitalization, medication, and repatriation. Available as single-trip policies or multi-trip annual (multipolis) coverage. Minimum coverage of 30,000 EUR for Schengen / high-risk destinations; 50,000 USD for USA, Canada, Japan, Australia.
• Property Insurance — Apartments and Residential Real Estate Insurance for apartments and residential real estate covering structural elements, interior renovation, furniture, appliances, and liability to neighbors against fire, explosion, flooding, natural disasters, burglary, and falling aircraft. Two product variants: express (no inspection required, starting from 250 UAH/year) and classic with on-site inspection for higher limits.
• Independent Vehicle Damage Appraisal (Автоэкспертиза после ДТП) Independent vehicle damage assessment service conducted after road accidents. Includes vehicle inspection, preparation of a formal inspection report, and independent expert assessment using licensed Audatex software with official dealer spare parts pricing. Offered to motorists in Kyiv (right and left bank), Kharkiv, Dnipro, Khmelnytsky, and Zhytomyr to help them dispute low insurer damage estimates and obtain higher compensation.

Quantifiable outcome

• Discounts of up to 30% on ОСАГО policies through the Polisonline platform
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Three partnerships are on record, tiered core.

• Ukrainian Insurance Companies (multiple insurers)coreChannel Partner/ Reseller/ DistributorPolisonline partners with multiple Ukrainian insurance companies (ОСАГО, Green Card, travel, property insurers) to offer their products through its comparison platform. The company has official cooperation agreements with insurers and earns commissions on each policy sold. Partners include major Ukrainian insurers such as ПЗУ, АХА (Аркс), Інго Україна, Уніка, Універсальна, ТАС, European Insurance Alliance, and others mentioned in ОСАГО direct settlement agreements.
• МТСБУ (Motor (Transport) Insurance Bureau of Ukraine)coreStrategic or Co-development PartnerPolisonline's auto inspection division is accredited in МТСБУ, Ukraine's motor insurance bureau. МТСБУ regulates ОСАГО and Green Card insurance in Ukraine, sets tariffs, and guarantees compensation in case of insurer bankruptcy. The accreditation allows Polisonline to produce officially recognized expert assessments for insurance claims disputes.
• Audatex (Licensed Software)coreTechnology or IntegrationPolisonline's auto inspection service uses licensed Audatex software for vehicle damage assessment calculations. Audatex provides industry-standard auto damage estimation tools used by insurance companies globally.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCgcPQYK0XhF0Ebhck202pBA
• Facebookfacebook.com/Polisonline.com.ua

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 Polisonline