Polizza Migliore

What Polizza Migliore does

Polizza Migliore S.r.l. is an Italian online insurance broker and price-comparison platform headquartered in Saluzzo (Cuneo), operating the consumer-facing portal polizzamigliore.it. The company aggregates quotes from approximately 30 insurance carriers — including Generali, UnipolSai, AXA, Allianz Direct, Zurich, Reale Mutua, MetLife, Lloyd's, AIG, AmTrust, Prima, ConTe.it and DAS — across a broad portfolio covering vehicle (auto, moto, commercial, boat), personal (home, life, health/accident, travel, pet, device), professional (RC professionali, medical malpractice, cyber, D&O, legal protection) and niche lines (pharmacy, condominium, agriculture, Superbonus 110% asseverazione, non-resident health cover). It is regulated as an insurance broker by IVASS under RUI Section B number B000385623 (registered 16 April 2007) and is wholly owned by APPIA Holding S.p.A. with €11,000 share capital.

The platform is a self-serve comparison and quotation tool complemented by a team of insurance consultants reachable by phone and email, plus a customer portal ('Area Clienti') for policy management. Distribution is direct-to-consumer across Italy, supported by SEO, content marketing on insurance-industry news, email/newsletter campaigns, and a Trustpilot-verified review surface (4.36–4.96 across product pages). Over a decade of operation the platform has accumulated 379,691+ registered users and 68,111+ issued policies. Technology is a web-based comparison engine aggregating carrier products and pricing, with no proprietary AI/ML, API or mobile application disclosed in the source data.

The business model is commission-based brokerage: Polizza Migliore receives provvigioni of approximately 6–15% (as disclosed in its intermediary register) on the insurance premium paid by the customer, with the platform presented as 'gratis e senza vincoli né impegno' to the end-user. The customer base is structurally long-tail (individual consumers and small professionals), diversified across carrier mandants and product lines, and the company has progressively built out vertical-specific products to access higher-premium specialty segments such as cyber, D&O, and mandatory pharmacy coverage.

Name

Polizza Migliore

Legal name

Polizza Migliore S.r.l.

Website

https://polizzamigliore.it

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Polizza Migliore S.r.l. is an IVASS-regulated Italian online insurance broker aggregating quotes from approximately 30 carriers for individual consumers, professionals, and small businesses across auto, home, life, and specialty insurance lines, earning commission on each policy placed.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industries

Commercial Package / Business Owners Policies (BOP) (FSAJAMAG), Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Healthcare Offices BOP (Medical/Dental/Vet Clinics) (FSAJAFAL)

Keywords

• Online insurance brokerage
• Insurance comparison platform
• Italian insurance broker
• Policy quotation service
• Professional liability insurance

Headquarters

HQ city

Saluzzo

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from insurance companies: Polizza Migliore acts as an insurance broker and intermediary, earning commissions (provvigioni) from insurance companies for each policy placed. Commission rates vary by insurer, ranging from approximately 6% to 15% of the insurance premium (as disclosed in their intermediary disclosure). The intermediary receives commission included in the insurance premium and other forms of compensation.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Polizza Migliore operates an online insurance comparison and brokerage platform (polizzamigliore.it) that aggregates quotes from approximately 30 Italian insurance companies, enabling consumers and professionals to compare, select, and purchase insurance policies across auto, home, life, professional liability, and other lines. As a licensed IVASS insurance broker (RUI Section B n. B000385623), the company earns commissions from insurers for each policy placed through the platform, while offering the comparison service free of charge and without obligation to users.

Product overview

Polizza Migliore is an online insurance broker comparison platform enabling users to compare and purchase insurance policies from multiple insurance companies. The platform offers a comprehensive portfolio organized into four main categories: Vehicle insurance (auto, motorcycle, commercial vehicles, boats), Personal insurance (home, life, health, accident, travel, pet, device), Professional insurance (liability, medical malpractice, cyber risk, D&O, legal protection), and Specialized insurance (pharmacy, condominium, agriculture). The core offering is a quotation and comparison service that aggregates offerings from approximately 30 insurance companies, including Generali, UnipolSai, AXA, Zurich, and others. The platform provides personalized consultation and policy management through licensed insurance brokers regulated by IVASS.

Differentiator

Problem solved

Functional benefit

Products and services

• Polizza Auto (Car Insurance) Online car insurance comparison and quotation service providing RC Auto (mandatory third-party liability) and additional coverage options (kasko, fire, theft, legal protection) sourced from partner insurers, for Italian vehicle owners/drivers.
• Polizza Moto (Motorcycle Insurance) Online motorcycle and scooter insurance comparison service with RC coverage and additional protections, sourced from partner insurers, for Italian motorcycle/scooter owners.
• Polizza Autocarro (Commercial Vehicle Insurance) Insurance coverage for commercial vehicles, trucks, and work-related transport, compared and issued through partner insurers, for Italian businesses and self-employed drivers.
• Polizza Casa (Home Insurance) Home insurance comparison and quotation covering dwelling, contents, liability and risks such as fire and theft, sourced from partner insurers (e.g., Allianz Subalpina CasaTua Basic) from approximately €10/month, for Italian homeowners and tenants.
• Polizza Vita (Life Insurance) Life insurance products including term life, death benefit, and combined life and protection policies from partners such as Genertel, MetLife, and Eurovita, with modular coverage (death, disability, critical illness, inability) starting from approximately €115/year for €100,000 capital for ages 18–55 and 19% tax deductible, for Italian individuals and families.
• Polizze Professionali (Professional Liability Insurance) Professional liability and errors & omissions insurance for various professions including practitioners, doctors, craftsmen, and legal professionals, sourced from partner insurers, for Italian self-employed professionals and professionals required to hold mandatory liability cover.
• Polizza RC Medico (Medical Malpractice Insurance) Medical professional liability insurance specifically designed for healthcare providers, sourced from partner insurers, for Italian doctors, surgeons and other healthcare professionals.
• Polizze Sanitarie e Infortuni (Health and Accident Insurance) Health insurance products including hospitalization indemnity, accident coverage, and supplementary healthcare policies, sourced from partner insurers, for Italian individuals and families.
• Polizza Barca/Yacht (Boat Insurance) Watercraft and yacht insurance coverage for vessels and nautical risks, sourced from partner insurers, for Italian boat and yacht owners.
• Polizza Viaggio (Travel Insurance) Travel insurance providing medical coverage, trip cancellation, and assistance services, sourced from partner insurers, for Italian travelers.
• Polizza Smartphone e Computer (Device Insurance) Insurance coverage for personal electronic devices including smartphones and computers against damage and theft, sourced from partner insurers, for Italian consumers.
• Polizza Animali Domestici (Pet Insurance) Pet insurance for dogs and cats covering veterinary expenses, surgery, civil liability up to €500,000, legal protection and assistance services, from approximately €200/year promotional or €240/year standard, distributed through partner Vitanuova/Groupama, for Italian pet owners.
• Polizza Cyber Risk (Cyber Insurance) Cyber risk insurance providing coverage against cyber attacks, data breaches, and digital threats, sourced from partner insurers, for Italian businesses and professionals.
• Polizza Condominio (Condominium Insurance) Insurance coverage for condominium buildings and common areas, sourced from partner insurers, for Italian condominium administrators and owners.
• Polizza D&O (Directors and Officers Insurance) Directors and officers liability insurance for executives and administrators, sourced from partner insurers, for Italian company directors, officers and administrators.
• Farmacia Protetta (Pharmacy Protection Insurance) Specialized insurance product for pharmacies and parapharmacies protecting staff against malicious acts and injuries during work activities, sourced from partner insurers, for Italian pharmacy and parapharmacy operators.
• Polizze Sanitarie per Stranieri (Health Insurance for Foreign Residents) Health insurance for non-residents requiring coverage for Italian visa applications and residence permits, typically 3–6 month duration, sourced from partner insurers, for foreign nationals applying for or holding Italian visas.
• Polizze Long Term Care Long-term care insurance providing coverage for loss of self-sufficiency and nursing care needs, sourced from partner insurers, for Italian individuals planning for non-self-sufficiency risk.
• Assicurazione Asseverazione Superbonus 110% Insurance coverage required for certified professionals performing Superbonus 110% assessments for energy efficiency upgrades, sourced from partner insurers, for Italian certified technicians performing Superbonus 110% asseveration.

Quantifiable outcome

• 379,691 registered users and 68,111 policies issued as of the data collection date
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

28 partnerships are on record, tiered core and minor.

• AxacoreChannel Partner/ Reseller/ DistributorAxa is featured as one of the insurance companies compared on Polizza Migliore's platform. Axa is part of the Axa Group, a major international insurance provider. Polizza Migliore offers quotes for Axa insurance products (accordo indiretto - indirect agreement).
• Generali Italia S.p.A.coreChannel Partner/ Reseller/ DistributorGenerali Italia is listed as an insurance company compared on the platform (accordo indiretto). Assicurazioni Generali is a historic and renowned Italian insurance company with roots dating back to the 19th century.
• UnipolSai Assicurazioni S.p.A.coreChannel Partner/ Reseller/ DistributorUnipolSai is featured on the platform (accordo diretto - direct agreement) as one of the main insurance providers, offering a complete portfolio of insurance solutions for customers.
• Allianz DirectcoreChannel Partner/ Reseller/ DistributorAllianz Direct, the direct sales division of Allianz for online insurance products, is listed as a company compared on Polizza Migliore (formerly Genialloyd / Genialclick).
• Lloyd'sminorChannel Partner/ Reseller/ DistributorLloyd's of London insurance marketplace is listed as a company compared on Polizza Migliore (accordo indiretto).
• MetLife EuropecoreChannel Partner/ Reseller/ DistributorMetLife is one of the five primary insurer mandants listed in Polizza Migliore's official intermediary disclosure, offering life and protection insurance products.
• AIG Europe LimitedcoreChannel Partner/ Reseller/ DistributorAIG is one of the five primary insurer mandants in Polizza Migliore's intermediary disclosure. AIG has been active in Italy since 1949 and specializes in commercial and institutional insurance coverage.
• AmTrust InternationalcoreChannel Partner/ Reseller/ DistributorAmTrust is listed as a primary mandant insurer in Polizza Migliore's disclosure. AmTrust is a leading Italian insurer in medical-health insurance, offering customized solutions with flexibility and continuous development.
• Nobis Compagnia di Assicurazioni S.p.A.coreChannel Partner/ Reseller/ DistributorNobis is one of the five primary insurer mandants in Polizza Migliore's intermediary disclosure. Nobis distributes through Nobis Filo Diretto brand.
• Reale Mutua AssicurazionicoreChannel Partner/ Reseller/ DistributorReale Mutua is Italy's largest mutual insurance company, featured on Polizza Migliore (accordo indiretto), offering a full range of insurance products through its network.
• Groupama AssicurazioniminorChannel Partner/ Reseller/ DistributorGroupama is part of the international Groupama Group, operating in insurance and beyond. Listed as a company compared on Polizza Migliore (accordo indiretto).
• Itas AssicurazioniminorChannel Partner/ Reseller/ DistributorItas is part of the Itas Group with major shareholders including R+V Versicherung AG and cooperative banking groups. Listed as a company compared on Polizza Migliore (accordo indiretto).
• Sara AssicurazioniminorChannel Partner/ Reseller/ DistributorSara Assicurazioni is the official insurer of the Italian Automobile Club (ACI), featured on Polizza Migliore (accordo indiretto).
• Tokio Marine EuropeminorChannel Partner/ Reseller/ DistributorHCC Tokio Marine is an internationally leading insurance company in professional policies, part of Tokio Marine Group known for efficiency, experience, and financial solidity. Listed as a company compared on Polizza Migliore.
• Vittoria AssicurazioniminorChannel Partner/ Reseller/ DistributorVittoria Assicurazioni is listed as a company compared on Polizza Migliore (accordo indiretto).
• Zurich Insurance GroupminorChannel Partner/ Reseller/ DistributorZurich Insurance Group (Zurich Financial Services Group) provides financial services with an insurance core and a global network of offices worldwide. Listed as a company compared on Polizza Migliore (accordo indiretto).
• Prima AssicurazioniminorChannel Partner/ Reseller/ DistributorPrima.it launched in 2015, distributing RC Auto policies on behalf of NOBIS Compagnia di Assicurazioni S.p.A. and Great Lakes Reinsurance. Listed as a company compared on Polizza Migliore (accordo diretto).
• ConTe.it AdmiralminorChannel Partner/ Reseller/ DistributorConTe.it is part of Admiral Group (EUI Limited), a leading direct insurance provider in the UK. Listed as a company compared on Polizza Migliore (accordo diretto).
• DAS AssicurazioniminorChannel Partner/ Reseller/ DistributorDAS Assicurazioni specializes in legal protection insurance. Listed as a company compared on Polizza Migliore (accordo diretto).
• Vitanuova Group (with Groupama)minorChannel Partner/ Reseller/ DistributorVitanuova, a broker founded in 2015 with 120+ offices across Italy, distributes pet insurance (animali domestici) products underwritten by Groupama through Polizza Migliore. Vitanuova recently acquired insurtech Axieme.
• Genertel (Generali Group)minorChannel Partner/ Reseller/ DistributorGenertel, the direct sales brand of Generali Group, offers life and other insurance products through Polizza Migliore's platform. Genertel launched in 1994 as Italy's first financial services call center.
• APPIA Holding S.p.A.coreOthersPolizza Migliore S.r.l. is a company subject to direction and coordination by APPIA Holding S.p.A. This is a corporate governance relationship where APPIA Holding exercises control over Polizza Migliore.
• UNDERWRITING INSURANCE AGENCY SRL (for Lloyd's)minorChannel Partner/ Reseller/ DistributorCollaboration under Article 22, paragraph 10 of Italian law for Lloyd's and HCC International Insurance Company PLC distribution. Underwriting Insurance Agency SRL is based at Corso Sempione 61, Milan.
• POLY MGA S.P.A. (for AmTrust / Argo Global)minorChannel Partner/ Reseller/ DistributorCollaboration under Article 22 for AmTrust International and Argo Global Assicurazioni distribution via Poly MGA S.p.A. (RUI A000072848).
• +Simple Italia (for Lloyd's)minorChannel Partner/ Reseller/ DistributorFree collaboration agreement under Article 22 for Lloyd's distribution via +Simple Italia (RUI A000534066).
• GRANDE CUNEO S.A.S. (for Generali Italia)minorChannel Partner/ Reseller/ DistributorCollaboration under Article 22 for Generali Italia S.p.A. distribution via Grande Cuneo S.A.S. di Correndo Elio & C., located in Piazza Del Popolo 33, Savigliano (RUI A000162399).
• ANDREA ABROGGIO SRL (for Reale Mutua)minorChannel Partner/ Reseller/ DistributorCollaboration under Article 22 for Società Reale Mutua di Assicurazione distribution via Andrea Abroggio Srl, Piazza Santorre di Santarosa 15, Savigliano (RUI A000558406).
• WefoxminorChannel Partner/ Reseller/ DistributorWefox is listed as an insurance company available through Polizza Migliore's comparison platform. Wefox is a young insurtech company based in Berlin, founded in October 2015, active in Germany, Austria, Switzerland, Spain, and Italy.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Verti Assicurazioni: Italian direct insurance provider offering auto, home, and other personal lines online. Direct competitor in the Italian digital insurance distribution space with a comparable self-serve online model.
• Segugio.it: Italian insurance and financial product comparison website offering quotes for auto, home, and life insurance from multiple providers. Direct competitor in the same Italian comparison broker category with similar self-serve online model.
• ConTe.it: Italian online insurance provider part of Admiral Group (UK), distributing auto and other personal lines directly to consumers. Direct competitor in the same Italian online insurance distribution category and listed as a Polizza Migliore partner.
• Allianz Direct: Direct online sales division of Allianz offering auto and home insurance to Italian consumers. Direct competitor in Italian online insurance and listed as a partner on Polizza Migliore.
• Genertel: Direct sales brand of Generali Group offering life and non-life insurance products online in Italy. Direct competitor in Italian online insurance distribution and also listed as a partner insurance company on Polizza Migliore.
• Facile.it: Italy's leading insurance and utility comparison platform, enabling consumers to compare and purchase insurance (auto, home, life, etc.) from multiple providers online. Directly comparable as the dominant Italian insurance broker/aggregator with similar commission-based revenue model and multi-product breadth.
• Prima Assicurazioni: Italy-focused digital auto insurance provider and aggregator, distributing RC Auto policies directly to consumers online. Direct competitor offering similar online auto insurance quotation and listed as an insurance partner on Polizza Migliore.

Emerging players

• Wefox: Berlin-based pan-European insurtech operating across Germany, Austria, Switzerland, Spain, and Italy with digital insurance distribution and brokerage capabilities. Emerging pan-European player with overlapping business model in the Italian market and listed as a partner insurer on Polizza Migliore.
• Coverfy: Spanish-origin insurtech offering digital insurance comparison and brokerage across multiple European markets including Italy. Emerging player with comparable online insurance comparison/aggregation model in shared Italian market.
• Yolo Group: Italian insurtech offering digital insurance distribution and embedded insurance products, including comparison-style experiences. Emerging player in the Italian digital insurance market with adjacent brokerage and aggregation capabilities.

Market position

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/polizzamigliore

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Polizza Migliore