What Bimeh.com does

Bimeh.com, operated by Aria Pardaz Rayka Direct Online Insurance Brokerage Company, is a licensed Iranian online insurance aggregator headquartered in Tehran that enables consumers to inquiry, compare, and purchase insurance policies from over 20 Central Bank of Iran-licensed insurance companies through a single web platform. The company's core product is third-party motor insurance (including auto and motorcycle), supplemented by vehicle body, fire, earthquake, travel, health, personal accident, elevator, sports, mobile device, doctors' liability, and pension insurance products. The platform operates under the direct official supervision of the Central Insurance of Iran and is differentiated by deep integrations into government infrastructure — Sanhab (insurance verification), Faraja (traffic police for violation and plate-history inquiry), the national highway toll system, and the national smart-services single window (my.gov.ir) — allowing it to bundle insurance with ancillary vehicle-owner services such as traffic violation payment, license plate history lookup, and electronic toll payment. Bimeh.com also operates a 24/7 phone support center and issues policies same-day (before 9 PM) and within one hour during forgiveness campaigns.

The business model is commission-based: Bimeh.com earns affiliate/referral commissions on insurance policies sold through the platform from its 20+ insurer partners, plus small transaction fees on installment processing (under 50,000 tomans) and ancillary services (25,000 toman plate history, 29,000 toman traffic violation inquiry; toll payment is free). Distribution is fully digital and self-serve (web-based, mobile-friendly) with nationwide geographic reach across Iran and no physical retail branches. The go-to-market leverages content marketing (Bimeh.com Magazine/insurance blog for SEO), a wallet-credit referral program (400,000 toman for invitees; referrer credit capped at 10 successful referrals), and periodic penalty-forgiveness campaigns that target lapsed policyholders and the 12 million uninsured Iranian motorcycle riders. Pricing of insurance itself is set by insurers under Central Insurance rate-setting; Bimeh.com's commercial value is in aggregation, comparison, installment access (without collateral, via bank credit scoring), and operational speed.

Name

Bimeh.com

Legal name

شرکت کارگزاری رسمی بیمه مستقیم برخط آریا پرداز رایکا

Website

https://bimeh.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

101–250 employees

Short description

Bimeh.com is a licensed Iranian online insurance aggregator that lets consumers compare, purchase, and manage policies from over 20 Central Bank-licensed insurers, and access related vehicle services such as toll payment and traffic violation inquiry, through a single government-integrated web platform.

Ownership category

akta.pro rank

Headquarters

HQ city

Tehran

HQ country

Iran

HQ region

Middle East

Offices2 records

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Insurance policy sales commissions: Bimeh.com acts as an online insurance broker (licensed by the Central Bank of Iran / Central Insurance). It earns commissions on each insurance policy sold through its platform from insurance companies. The platform offers policies from over 20 licensed insurance companies.
2. Installment insurance processing fees: For installment insurance purchases, Bimeh.com charges a small operational and bank credit-scoring fee (less than 50,000 tomans). No additional interest or commission is charged for installment payments. The platform facilitates installment payments through partner banks and DigiPay.
3. Plate history inquiry fees: 25,000 tomans per inquiry for vehicle plate history reports, collected on behalf of the traffic police (Faraja).
4. Traffic violation inquiry fees: 29,000 tomans per traffic violation inquiry, collected on behalf of the traffic police.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Bimeh.com operates an online insurance marketplace and licensed insurance brokerage that aggregates offerings from 20+ Iranian insurance companies. The platform enables consumers to compare insurance policies, purchase them digitally, manage installment payments, and access support for the claims and damage-handling process.

Product overview

Bimeh.com is an online insurance marketplace and search engine operating as a licensed insurance broker (Aria Pardaz RYK). The platform aggregates offerings from over 20 Central Bank-licensed insurance companies, enabling users to compare, quote, and purchase insurance policies online. The core product portfolio centers on motor vehicle insurance (third-party, motorcycle, and body coverage) supplemented by a broad range of non-life insurance products including fire, earthquake, travel, health, personal accident, professional liability, elevator, sports, mobile, and pension insurance. The platform extends beyond pure insurance sales to include value-added services such as installment payment options, license plate history inquiry, expressway toll payment, traffic violation inquiry, and insurance policy reminder services. All activities operate under official supervision of the Central Insurance of Iran.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Same-day policy issuance if purchased before 9 PM
• +4 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

Feature6 records

Partnerships

Four partnerships are on record, tiered core.

• Central Bank of Iran (Central Insurance of Iran / Bimeh Markazi)coreOthersBimeh.com operates under official supervision of the Central Bank of Iran's insurance regulator (Central Insurance). All activities are officially licensed, and the platform integrates with official government systems (Sanhab, Faraja) for insurance inquiry, verification, and related services.
• 20+ licensed Iranian insurance companiescoreChannel Partner/ Reseller/ DistributorBimeh.com serves as an online broker/channel for over 20 licensed Iranian insurance companies including Iran Insurance, Tejarat No, Sarmad, Arman, Parsian, Dey, Alborz, and others. The platform enables consumers to compare and purchase policies from these insurers.
• Traffic Police (Faraja / Police 110+)coreTechnology or IntegrationBimeh.com is integrated with the traffic police (Faraja) system for real-time traffic violation inquiry and payment, as well as the plate history (Sakha) system for vehicle ownership history lookups used in insurance discount transfers.
• Senhab (Central Insurance of Iran's official insurance inquiry system)coreTechnology or IntegrationBimeh.com connects directly to the Senhab system (sistema official de consulta de seguros of Iran's Central Insurance) for instant insurance policy status inquiry, authenticity verification, and discount entitlement lookup.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• GoCompare: UK-based price comparison website covering insurance alongside financial products. Same comparison/aggregator DNA as Bimeh.com at much larger scale and broader financial product scope; provides a mature market benchmark for the aggregator business model.
• MoneySupermarket Group: UK-based price comparison platform with deep insurance (home, motor, travel, life, health) alongside broader financial services. Comparable as a multi-vertical insurance comparison business; reflects what scaled aggregator economics and diversification could look like.
• Compare the Market: UK-based multi-product comparison platform with a strong insurance vertical (home, motor, travel, pet, life). Comparable as an established insurance comparison marketplace; useful as a benchmark for category expansion and partnership economics.

Direct peers

• Coverfox: Indian digital insurance brokerage and comparison platform offering motor, health, and life insurance from multiple carriers. Same aggregator business model and consumer-facing comparison/purchase funnel as Bimeh.com, though operating in India rather than Iran.
• SelectQuote: US-based direct-to-consumer insurance distribution platform primarily focused on life and health/senior coverage across multiple carriers. Closely comparable aggregator-to-carrier distribution model and commission-based monetization, despite a different product mix.
• PolicyBazaar (PB Fintech): India's leading online insurance aggregator comparing life, health, motor, and other policies from multiple insurers. Closest global business-model analog: multi-insurer comparison marketplace monetizing via commissions, with similar aggregator-vs-carrier economics and product breadth strategy.
• Azki: Iranian online insurance comparison and purchase platform offering similar third-party auto, body, and other insurance lines from multiple Iranian insurers. Operates in the same regulatory environment under Central Insurance oversight and competes head-to-head for the same Iranian consumer base.

Emerging players

• Lemonade: AI-native, mobile-first insurance carrier using a digital-first, low-friction purchase and claims experience. Comparable on the technology-led consumer UX layer; differs in that Lemonade is itself a licensed carrier rather than a multi-insurer broker.
• Acko General Insurance: India-based digital-first insurance company selling auto, health, and life products direct-to-consumer via mobile/app. Comparable on the digital-native consumer experience, but as a carrier rather than a broker like Bimeh.com.
• ZhongAn Online P&C Insurance: China's first purely online insurance company selling consumer policies (auto, health, travel, accident) entirely through digital channels. Comparable end-state vision for a digital insurance distribution platform, though ZhongAn is a carrier versus Bimeh.com's broker model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance1 record

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 Bimeh.com