Proama

What Proama does

Proama is a Polish digital insurance brand operated by Generali Towarzystwo Ubezpieczeń S.A., the Polish subsidiary of the Generali Group (Assicurazioni Generali S.p.A.). The company sells personal-lines insurance products — mandatory vehicle third-party liability (OC) and voluntary partial casco (AC Mini) with add-ons such as glass cover, roadside assistance, personal accident, in-vehicle belongings, and legal protection — alongside home insurance (Proama MIESZKANIE with home assistance and personal liability), travel insurance, personal accident (NNW), and agricultural holdings insurance. It serves individual Polish consumers, including vehicle owners, homeowners and renters, travelers, and agricultural operators, with a deliberately horizontal segmentation.

Proama runs a digital-first platform consisting of an online quote calculator (saleswww.proama.pl), a claims reporting portal (szkody.proama.pl), a live chat interface, and an agent portal (proagent.proama.pl). Underwriting and certain claims decisions are automated using policyholder, insurance-history, and insured-item data, with regulated rights to human review. The technology stack emphasizes ease-of-use quote flows, 256-bit SSL encryption, and accessibility features for screen-reader and keyboard navigation. The product surface is modular, with a portfolio of add-ons layered onto the two anchor vehicle products and the home product.

The business model is subscription/recurring premium revenue on annual policies, priced individually by risk profile with up to a 70% discount for claim-free drivers. Distribution is hybrid: direct online and phone sales (815 815 815 hotline), a nationwide physical agent network across all 16 Polish voivodeships, a bancassurance partnership with PKO Bank Polski for vehicle products, and a service partnership with Europ Assistance Polska for replacement vehicles. Customer acquisition relies on multi-channel marketing spanning the website, email, call center, Facebook organic presence (including the 'Wrzucam na luz' courteous-driving campaign), and agent referrals. Proama is privately held within the Generali Group and does not raise external funding; no standalone revenue, ARR, or premium volume is disclosed in the input.

Name

Proama

Legal name

Generali Towarzystwo Ubezpieczeń S.A.

Website

https://proama.pl

Company type

Private

Operating status

Operating

Headcount range

251–500 employees

Short description

Proama is a Polish digital personal-lines insurance brand operated by Generali Towarzystwo Ubezpieczeń S.A., selling vehicle (OC, AC Mini), home, travel, and agricultural insurance to Polish consumers via online, phone, and a nationwide agent network across all 16 voivodeships, plus a PKO Bank Polski bancassurance partnership.

Ownership category

akta.pro rank

Product category

Personal Lines Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Commercial Auto & Fleet Insurance (FSAJAMAB)

Keywords

• Motor vehicle insurance
• Third-party liability coverage
• Home property insurance
• Travel insurance
• Personal accident insurance

Headquarters

HQ city

Lublin

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, Others

Revenue model

1. Vehicle Insurance Premiums: Recurring insurance premiums from mandatory OC (Third Party Liability) and optional AC Mini (Partial Casco) vehicle coverage, with add-ons including glass protection, assistance, personal accident, and legal protection.
2. Home Insurance Premiums: Property insurance for apartments and houses covering fire, water damage, theft and other perils, including home assistance services.
3. Travel Insurance Premiums: Short-term travel insurance policies covering medical expenses, baggage, flight delays, and personal accidents for travelers.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Proama is a Polish insurance brand that sells personal lines insurance products directly to consumers, with a core focus on motor vehicle insurance (mandatory OC third-party liability and voluntary AC Mini auto casco), complemented by home insurance (Proama MIESZKANIE), travel insurance, agricultural farm insurance, and personal accident coverage (NNW). Products are distributed through online self-service, phone-based sales, and a nationwide network of insurance agents, with claims processed through an online reporting portal.

Product overview

Proama is a digital insurance brand owned by Generali Towarzystwo Ubezpieczeń S.A., offering a portfolio of insurance products primarily for individuals. The core vehicle insurance offering consists of mandatory OC (Third-Party Liability) and voluntary AC Mini (Auto Casco) products, supported by add-on modules including glass protection, roadside assistance, personal accident coverage, personal belongings protection, and legal protection. The home insurance line is anchored by Proama MIESZKANIE, complemented by home assistance and personal liability in private life add-ons. The travel insurance product covers medical expenses, baggage, flight delays, and personal accidents. Additional offerings include agricultural farm insurance and personal accident insurance (NNW). Proama distributes its products through online channels (direct sales), an agency network, and a call center (815 815 815), with an online claims portal at szkody.proama.pl.

Differentiator

Problem solved

Functional benefit

Products and services

• OC - Mandatory Third-Party Liability Insurance (Ubezpieczenie OC) Mandatory third-party liability insurance for vehicle owners in Poland, covering damages caused to third parties in traffic accidents. Includes up to 70% discount for claim-free drivers.
• AC Mini - Voluntary Auto Casco Insurance (Ubezpieczenie AC Mini) Voluntary auto casco insurance providing comprehensive protection for the insured vehicle against specified perils, with up to 70% discount available for claim-free drivers.
• Proama MIESZKANIE - Home Insurance Comprehensive home insurance providing property protection against a range of random events for apartments and houses, also available for renters.
• Travel Insurance (Ubezpieczenie Podróży) Short-term travel insurance covering medical expenses, baggage loss, flight delays, and personal accident protection during domestic and international trips.
• Agricultural Farm Insurance (Ubezpieczenie Gospodarstwa Rolnego) Agricultural farm insurance covering buildings, property, and liability for farming operations, including mandatory building insurance for Polish farmers.
• Personal Accident Insurance (Ubezpieczenie NNW) Personal accident insurance covering injuries and disability resulting from accidents.

Quantifiable outcome

• Up to 70% discount on OC/AC Mini insurance for claim-free drivers
• +1 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature3 records

Partnerships

Four partnerships are on record, tiered flagship and core.

• Generali Towarzystwo Ubezpieczeń S.A.flagshipStrategic or Co-development PartnerGenerali TU S.A. is the parent company and brand owner of Proama. Based at ul. Senatorska 18, Warsaw, Generali is one of the largest insurance groups globally. Proama operates as a digital insurance brand under the Generali umbrella, leveraging the parent's financial strength, product development capabilities, and claims infrastructure.
• Europ Assistance Polska Sp. z o.o.coreStrategic or Co-development PartnerEurop Assistance Polska is the designated partner for providing replacement vehicle rental services under Proama's OC (third-party liability) insurance. Contact: 22 203 79 53, available 24/7. The company assists insured customers in obtaining substitute vehicles while their damaged vehicles are being repaired.
• Insurance Agents NetworkcoreChannel Partner/ Reseller/ DistributorNetwork of independent insurance agents and agencies across all 16 Polish voivodeships who sell and service Proama insurance products. Agents provide face-to-face consultation, policy sales, and ongoing customer service. Available through proagent.proama.pl portal.
• PKO Bank Polski S.A.coreChannel Partner/ Reseller/ DistributorBancassurance partnership distributing Proama vehicle insurance products including Auto Casco, NNW (personal accident), and Green Card insurance to PKO Bank Polski retail customers. Products tailored specifically for PKO clients with dedicated terms and conditions.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Link4: Link4 is a Polish InsurTech-focused motor insurer (PZU Group subsidiary since 2014), known for direct online sales of OC and AC insurance. Directly competes with Proama's digital-first OC/AC Mini offering with overlapping customer profile and acquisition channels.
• PZU: PZU is Poland's largest insurance company with dominant market share in motor, property, and life insurance. It is the most direct competitor to Proama in the Polish OC/AC and home insurance markets, with a similarly multi-channel distribution model.
• Warta: Warta is a major Polish insurer (Talanx Group subsidiary) offering motor, property, and travel insurance through direct and agent channels. Directly competes with Proama in OC, AC, and home insurance, with a comparable national agent network.
• UNIQA Poland: UNIQA Poland operates a multi-line insurance portfolio including motor, home, and travel insurance, with both direct and agent channels. Comparable to Proama as a European insurance group's local brand targeting Polish personal lines customers.
• Benefia: Benefia is a Polish insurance broker and direct insurer offering motor and property insurance to individual customers. Similar to Proama in targeting digital-first Polish consumers for OC and AC policies with competitive pricing.
• Ergo Hestia: Ergo Hestia is one of the top Polish property and casualty insurers (Munich Re Group), strong in motor and home insurance. Competes directly with Proama in OC/AC via multi-channel distribution including agents and digital sales.
• Compensa: Compensa is a Polish insurer (Vienna Insurance Group) offering motor, property, and personal insurance through agent and digital channels. Competes directly with Proama in OC, AC, and home insurance for individual consumers.
• Allianz Poland: Allianz Poland is part of Allianz Group, offering motor, home, travel, and life insurance in Poland. Directly comparable to Proama as a multinational insurer's local brand operating in similar P&C lines with similar banking and agent partnerships.

Broad incumbents

• Wiener (Vienna Life): Wiener is part of Vienna Insurance Group, offering life, motor, and property insurance in Poland. Comparable to Proama as a VIG stable-mate with overlapping distribution but a different life/health vs. P&C product mix.

Emerging players

• Signal Iduna Poland: Signal Iduna Poland is a multi-line insurer offering motor, property, and health insurance with a focus on agent-based distribution. Comparable to Proama as a smaller international insurer's local brand competing in Polish personal lines insurance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/proama

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 Proama