What Insurancy does

Insurancy (legal entity: Finsurancy – Finance & Insurance UG (haftungsbeschränkt), HRB 226735 B, Berlin; some sources reference Insurancy GmbH) is an independent insurance broker (Versicherungsmakler) licensed under §34d Abs. 1 GewO and registered with IHK Berlin (D-3DS9-CNKTF-25). Founded in 2021 in Berlin by André Disselkamp (ex-ERGO, expert in PKV and international health insurance) and Tobias Niendieck (expert in bAV and commercial insurance), the firm serves both private customers (health, life, disability, property, liability, retirement) and business customers (company pensions, commercial liability, cyber, D&O, fleet), with additional dedicated segments for expats and civil servants. The company maintains a secondary office in Hamburg and reports over 6,000 customers served.

The technology stack centers on the Simplr digital dashboard for centralized multi-insurer policy management and the blau direkt system integration (Germany's leading insurance broker IT platform) for comparison calculators, CRM, and contract management. RoboSave provides automated monitoring and optimization of existing portfolios, and a 1-Klick-Kündigung tool handles paperless terminations. Marketing and operations are supported by HubSpot meeting scheduling, Matomo analytics, and IONOS hosting — all GDPR-compliant with EU data processing. The firm is differentiated by a social-impact model donating 20% of profits to Fairventures, Sea Shepherd, and Bundesverband Kinderhospiz.

Insurancy's revenue is derived primarily from insurance commissions (transaction-fee model: up to 9 months of PKV premium, 46 per mille on life/BU, up to 24% on property, 10-24% on auto), with a secondary partner program charging €100/month (waived at €24K annual revenue) plus a 10% revenue share and 50% commission on leads provided to broker partners. Distribution combines direct in-person advisory at Berlin and Hamburg offices with digital/video consultation, a self-service customer app, and a partner broker channel that targets independent Versicherungsmakler. Strong review profile (4.9/5 ProvenExpert, 5.0/5 Google, 4.8/5 Trustpilot) and earned media across leading German insurance trade outlets support customer acquisition.

Name

Insurancy

Legal name

Insurancy GmbH

Website

https://insurancy.de

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Insurancy is a Berlin-based independent insurance broker (Versicherungsmakler) licensed under §34d GewO, offering market-wide comparison across 200+ German insurers for private and business customers, with a digital dashboard (Simplr), partner broker channel, and a 20% profit-donation social model.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

akta.pro secondary industries

Document, Workflow & Policy Servicing Automation (RPA/No-Code) (FSAGAGAK), Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Independent insurance brokerage
• Insurance comparison service
• Digital insurance management
• Commercial insurance advisory
• Personal insurance consulting

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission (Courtage): Insurancy earns commissions from insurance companies for policies placed. Commission rates vary by insurance type: Private health insurance up to 9 months of premium, life/BU up to 46 per mille, property/component up to 24%, auto up to 10-24%. Commission is included in the insurance premium and does not represent an additional cost to customers.
2. Partner Program Revenue Share: Insurancy charges partners a monthly fee of €100 (plus tax) for using the platform, waived upon reaching €24,000 annual revenue. Partners also share 10% of their commissions with Insurancy. Leads from the company to partners generate 50% commission share.
3. Social Impact Model (20% Profit Donation): 20% of profits are donated to social and sustainable projects (Fairventures, Sea Shepherd, Bundesverband Kinderhospiz). This is a cost rather than revenue stream but differentiates the business model.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Insurancy is an independent insurance broker (Versicherungsmakler) that provides free advisory and market-wide comparison of insurance products from 200+ providers across all personal and commercial insurance lines. Services include ongoing portfolio management and optimization, supported by the Simplr digital dashboard app that centralizes policy management, claims submission, and document tracking for customers.

Product overview

Insurancy is an independent insurance broker combining a market-wide comparison platform with a digital management app. Its core offering is the insurance comparison service, which scans over 200 insurers across all personal and commercial lines, underpinned by ongoing advisory and proactive portfolio optimization. The Simplr app serves as the customer-facing digital dashboard for centralized policy management, while RoboSave automates optimization of existing contracts. For insurance brokers, Insurancy offers a partnership program with access to the blau direkt system landscape, commission pass-through, and a lead generation pipeline, plus bestandsverkauf (portfolio sale) services for succession planning.

Differentiator

Problem solved

Functional benefit

Brands

• Simplr App: Digital insurance management app for customers to manage all their insurance contracts in one place

Products and services

• Insurance Comparison (Versicherungsvergleich) Market-wide comparison service covering over 200 insurance providers across all lines including property, health, life, liability, and commercial insurance. Advisors analyze individual risk profiles and match customers to optimal tariffs, with ongoing proactive monitoring and switching support.
• Simplr App Digital insurance management app allowing customers to centrally view, manage, and track all insurance policies in one place regardless of insurer. Includes claims submission, document storage, and gap analysis capabilities. Also made available to partner broker clients for portfolio visibility.
• RoboSave Automated policy portfolio optimization tool that monitors existing insurance contracts and actively optimizes them when better terms become available, reducing manual review workload for both customers and partner brokers.
• Broker Partnership Program (Partner-werden) Cooperation model for independent insurance brokers offering access to the blau direkt system landscape, better commission rates with 90% pass-through, expert support team, leads, and 1-click tools. Partners pay €100/month (waived above €24,000 annual revenue) plus 10% revenue share.
• Bestandsverkauf (Portfolio Sale) Succession and portfolio sale planning support for brokers, providing transparent, fair, and discreet assistance for brokers planning long-term succession or later portfolio exit.

Quantifiable outcome

• 200+ insurance providers compared for optimal coverage and pricing
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• blau direktcoreTechnology or IntegrationTechnology partnership providing access to blau direkt system landscape - the leading insurance broker IT platform in Germany. Includes comparison calculators, CRM/multi-vehicle management (MVP), RiVO tools for risk pre-assessment, and automated contract management tools.
• Independent Insurance Brokers (Partner)coreChannel Partner/ Reseller/ DistributorNetwork of independent insurance brokers (freie Versicherungsmakler) joining as cooperation partners. Partners receive 90% commission, access to blau direkt tools, collective negotiating power, and lead generation. Partners remain independent but benefit from shared infrastructure.
• FairventuresminorStrategic or Co-development PartnerSocial/environmental partner receiving 20% of Insurancy's profits. Fairventures focuses on reforestation and sustainable income generation for communities.
• Sea ShepherdminorStrategic or Co-development PartnerSocial/environmental partner receiving 20% of Insurancy's profits. Marine conservation organization featured in Netflix documentary 'Seaspiracy'.
• Bundesverband KinderhospizminorStrategic or Co-development PartnerSocial/environmental partner receiving 20% of Insurancy's profits. German national association for children's hospice care and family support.

Scale indicators4 records

Recent moves2 records

Expansion highlights5 records

Broad incumbents

• Smartbroker: Smartbroker is a German financial product comparison and execution platform expanding across insurance and banking — an incumbent with established customer relationships and a similar broker-adjacent value proposition.
• HUK-COBURG: HUK-COBURG is one of Germany's largest tied-agent insurers with broad personal lines coverage — a broad incumbent competing in the same product categories through a different (agent-based) distribution model.
• Check24: Check24 is Germany's leading multi-vertical comparison platform with a strong insurance vertical — a dominant incumbent that sets customer expectations for digital insurance comparison and serves as the most formidable competitor for any insurtech broker.
• Verivox: Verivox is Germany's largest consumer price-comparison portal covering energy, telecom, and insurance — a broad incumbent that competes for the same insurance comparison intent and is even featured on Insurancy's homepage as a customer-facing tool.

Direct peers

• Finanzchef24: Finanzchef24 is a Hamburg-based online broker specializing in commercial and bAV insurance for SMEs — closely comparable to Insurancy's Gewerbekunden and bAV focus, with a similar online comparison-plus-advisory model.
• Clark: Clark is a Frankfurt-based digital insurance manager that aggregates policies for consumers via a single app — directly overlapping with Insurancy's Simplr dashboard and insurtech-broker positioning in the German market.
• Getsafe: Getsafe is a Heidelberg-based digital insurance broker offering fully digital advisory and policy management across multiple lines, with its own insurance products via Adam Riese — a closely comparable insurtech broker competing for the same digitally native German customer.

Emerging players

• Frnd: Frnd is a German digital insurance broker offering fully digital advisory and policy placement — an emerging player targeting the same digitally native customer and overlapping with Insurancy's Simplr-led digital experience.
• Ottonova: Ottonova is a digital-only private health insurer focused on PKV — overlapping with Insurancy's private health insurance advisory segment and increasingly relevant as a digital-first alternative in the same line of business.
• Allianz Direct: Allianz Direct is the digital direct-to-consumer arm of Allianz, offering insurance products without broker intermediation — a structural threat to the broker model but also a partner within Insurancy's 200+ insurer comparison portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/insurancybln
• Facebookfacebook.com/profile.php?id=...
• Instagraminstagram.com/insurancy

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Insurancy