Dunstan

What Dunstan does

Dunstan AB is a Sweden-based insurance brokerage founded in 2021 and headquartered in Jönköping, operating as a direct-to-consumer specialist in horse, horse-farm, dog, cat, and horse-trailer insurance. The company distributes five core insurance lines (Horse, Farm, Dog, Cat, Horse Trailer) underwritten exclusively by HDI Global Specialty SE, from which it earns percentage-based commission on paid premium volume net of terminated policies. Sales run through the dunstan.se website with a callback request flow and a phone-based service center, supported by Trustpilot-driven social proof and active presence on Facebook, Instagram, and LinkedIn.

The technology backbone is a customer-facing portal ("Mina sidor") that consolidates policy administration, claims, invoicing, a points-based loyalty program (Premieprogram), and a Digital Clinic built on FirstVet's telemedicine API. Service partners extend the bundle: SOS International handles emergency and repatriation assistance abroad; W. R. Berkley Insurance AG provides Dunstan's own liability cover; and Crawford supports claims handling. The company also operates Trygghetsshoppen, an e-commerce storefront selling equestrian gear and branded merchandise across three sub-branded categories (Häst & Ryttare, Stall & Säkerhet, Profilprodukter).

Dunstan is a privately held Swedish Aktiebolag registered with Finansinspektionen and Bolagsverket for insurance distribution, operating under the supervision of Finansinspektionen and Konsumentverket (the latter for marketing). HDI Global Specialty SE holds a qualified shareholding exceeding 10%, tying Dunstan's underwriting capacity and capital structure to a single global specialty insurer. The business is led by three co-founders (Per Åberg, Anders Mellberg, and Stefan Fur), each with prior insurance-industry experience, and operates with a 1-10 person team serving only the Swedish market.

Name

Dunstan

Legal name

Dunstan AB

Website

https://dunstan.se

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Dunstan AB is a Swedish insurance brokerage specializing in horse, farm, dog, cat, and trailer coverage for equestrian owners and horse farm operators, distributing policies underwritten by HDI Global Specialty SE direct-to-consumer across Sweden.

Ownership category

akta.pro rank

Headquarters

HQ city

Jönköping

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Dunstan AB is an insurance broker that earns commission from HDI Global Specialty SE based on total paid premium volume. They receive percentage-based compensation tied to the total premium volume with deductions for terminated insurance policies.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Dunstan is a Swedish insurance brokerage that sells specialized insurance policies for horses, horse farms, dogs, cats, and horse trailers, underwriting through HDI Global Specialty SE. The offering is bundled with value-added services including free access to a Digital Veterinary Clinic (FirstVet), a points-based loyalty program (Premieprogram), and an e-commerce shop where loyalty points are redeemable. Customers purchase through the company's website, a callback request system, or by phone.

Product overview

Dunstan is a specialized insurance company focused on the horse and farm life segment in Sweden. Its core product portfolio consists of five main insurance lines: Horse Insurance (covering riding horses, ponies, Icelandic horses, trotters, racehorses, and breeding/foal coverage), Farm Insurance (covering residential buildings, agricultural structures, riding arenas, and contents for horse farms), Dog Insurance (with veterinary coverage up to 150,000 SEK), Cat Insurance (with the same coverage limits), and Horse Trailer Insurance. These insurance products are complemented by the Digitala Kliniken (Digital Clinic) — a built-in FirstVet telemedicine integration accessible through the 'Mina sidor' customer portal — and a loyalty/premium program where customers earn points redeemable in the Trygghetsshop. Dunstan also operates a retail e-commerce store (Trygghetsshoppen) with three sub-branded product categories: Häst & Ryttare (horse and rider equipment), Stall & Säkerhet (stall and safety products), and Profilprodukter (Dunstan-branded merchandise). The company acts as an insurance intermediary registered with Finansinspektionen, distributing policies on behalf of HDI Global Specialty SE.

Differentiator

Problem solved

Functional benefit

Products and services

• Horse Insurance (Hästförsäkring) Comprehensive insurance coverage for horses, including riding horses, ponies, Icelandic horses, trotters, and racehorses, with options for breeding and foal coverage, including veterinary care, mortality, and liability protection for individual horse owners in Sweden.
• Farm Insurance (Gårdsförsäkring) Insurance for horse farms covering residential buildings, agricultural structures, garages, and riding arenas, with burglary protection up to 1,500,000 SEK, contents coverage, and related farm-assistance services for horse farm owners in Sweden.
• Dog Insurance (Hundförsäkring) Insurance for dogs with veterinary coverage up to 150,000 SEK, including rehabilitation and dental care per terms, at discounted rates for horse insurance customers, targeted at dog owners (often on horse farms) in Sweden.
• Cat Insurance (Kattförsäkring) Insurance for cats with veterinary coverage up to 150,000 SEK, including rehabilitation and dental care per terms, at discounted rates for horse insurance customers, targeted at cat owners (often on horse farms) in Sweden.
• Horse Trailer Insurance (Hästtrailerförsäkring) Insurance coverage specifically designed for horse trailers and horse transport vehicles, providing protection during transport and storage for owners of horse trailers in Sweden.

Quantifiable outcome

• Veterinary care coverage up to 150,000 SEK for dog and cat insurance
• +1 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Five partnerships are on record, tiered core and supporting.

• HDI Global Specialty SEcoreOthersHDI Global Specialty SE is Dunstan's insurance provider. Dunstan AB is an insurance broker registered with Finansinspektionen, selling insurance products underwritten by HDI Global Specialty SE on the Swedish market. HDI Global Specialty SE holds a qualified shareholding in Dunstan AB exceeding 10%.
• FirstVetcoreTechnology or IntegrationFirstVet provides digital veterinary clinic services accessible to all Dunstan insurance customers as part of their policy benefits. Customers receive free access to FirstVet through their 'Digital Clinic' portal on Mina Sidor.
• SOS InternationalsupportingTechnology or IntegrationSOS International provides emergency assistance services for Dunstan customers traveling abroad. They handle serious illness or injury situations and assist with repatriation when needed, available 24/7 at +46 8 670 40 00.
• W. R. Berkley Insurance AGsupportingOthersW. R. Berkley Insurance AG (Swedish branch) provides Dunstan's liability insurance coverage. The insurance amount is approximately 1.25 million EUR per claim and approximately 5 million EUR total for all claims during one year.
• CrawfordsupportingOthersCrawford provides claims handling services as one of Dunstan's service providers shown in their partner logos.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Folksam: Swedish mutual insurance group offering horse, pet, and home/farm coverage. Competes with Dunstan in horse and farm insurance but as a diversified insurer with broader lines and broader customer segments.
• If Skadeförsäkring: Major Nordic P&C insurer offering horse, pet, and farm products in Sweden. Overlaps with Dunstan across horse and farm insurance categories but does so as part of a broad portfolio rather than a niche-specialized offering.
• Länsförsäkringar: Swedish regional insurance group offering horse, farm, and pet insurance across multiple products. Provides overlapping coverage with Dunstan but bundled within a multi-line regional franchise rather than a purpose-built equine offering.

Regional players

• KBIS (UK): UK specialist horse insurance broker serving the British equestrian market with a niche-only model directly comparable to Dunstan's specialist proposition in Sweden; geographic adjacency rather than direct competition.
• Kawell (formerly Horse Insurance from NFU Mutual): UK specialist horse insurance provider spun out of NFU Mutual focused exclusively on equine coverage. Comparable niche specialization to Dunstan but UK-focused and traditionally distributed via rural/equestrian channels.
• Dina Försäkringar: Swedish mutual offering horse and farm insurance through regional distribution. Comparable to Dunstan in Sweden on horse and farm coverage, distributed through a regional agent model rather than direct-to-consumer digital.

Others

• HDI Global Specialty SE: Dunstan's sole underwriting carrier and minority shareholder (>10%). Operates as the capital provider behind Dunstan's policies — adjacent rather than competing — and is a global specialty lines insurer including specie and high-value property.

Direct peers

• Moderna Djurförsäkringar: Specialist Swedish pet insurance provider offering horse, dog, and cat policies. Directly competes with Dunstan across the equine/pet lines with similar specialist positioning, though without the farm-property and trailer products.
• Agria Djurförsäkring: Largest Nordic pet and horse insurance specialist, offering horse, dog, and cat insurance in Sweden. Directly competes with Dunstan in horse/pet insurance distribution, with overlapping product lines and target Swedish equestrian customers.

Emerging players

• Petplan Equine: UK specialist in horse insurance with a niche-equine focus analogous to Dunstan's specialism in Sweden. Similar direct-to-consumer horse-only proposition, but operating in a different geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xinstagram.com/dunstanforsakring
• Facebookfacebook.com/dunstanforsakring
• LinkedInlinkedin.com/company/dunstanforsakringar

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Dunstan