Polis24

What Polis24 does

Polis24 is an independent online insurance aggregator and brokerage platform headquartered in Lviv, Ukraine, founded in 2002. It operates as a self-serve comparison and policy-issuance portal connecting Ukrainian consumers and businesses with multiple partner insurance companies, including Arsenal Insurance and Colonnade Ukraine (a Fairfax Financial Holdings subsidiary). The platform offers an online calculator that aggregates quotes across insurers for mandatory auto civil liability (OSCPV), Green Card international MTPL, travel/tourism insurance, voluntary KASKO, medical insurance programs (five modular tiers), professional liability, cyber risk, property, and personal accident coverage. Physical policy documents are delivered by courier or to Nova Poshta warehouses across Ukraine, with pickup available at the Lviv office.

The platform's core technology is a web-based aggregation tool supplemented by online chat and phone consultation with 5+ year experienced insurance specialists, optimized for desktop, smartphone, and tablet. Polis24 operates product-specific subdomains (polis24-insurance.eua.in.ua, polis24-travel.eua.in.ua, polis24-greencard.eua.in.ua) and offers a white-label insurance calculator for partner websites in automotive, tourism, and delivery sectors. Revenue is generated through affiliate-style commissions from partner insurers on each policy sold through the platform. No evidence of external venture capital, private equity, or institutional investment is present; the company appears to be wholly founder-owned and operated with 11-50 employees.

The customer base spans individual consumers (private car owners, outbound travelers, residents seeking coverage) and corporate clients (employee medical insurance, fleet, cargo, and professional liability products targeting IT companies). Distribution is direct-to-consumer via SEO/content marketing, the website, and assisted sales via phone hotline. The company has continuously maintained operations since 2002 and has adapted its offering to wartime conditions, including a 50% mandatory auto insurance discount for veterans, disabled persons (Group II), retirees, and Chernobyl victims, and corporate COVID-19 medical insurance programs launched in 2020.

Name

Polis24

Legal name

Polis24

Website

https://polis24.ua

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

Polis24 is a Ukrainian online insurance aggregator and broker based in Lviv, founded in 2002, that enables individual consumers and businesses to compare and purchase auto, travel, medical, and specialty insurance policies from multiple partner insurers via a self-serve web platform with courier delivery.

Ownership category

akta.pro rank

Product category

Online Insurance Brokerage and Aggregation

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

akta.pro secondary industries

Travel & Accident (Non-Life) Insurance (FSAJAMAN), Commercial Package / Business Owners Policies (BOP) (FSAJAMAG)

Keywords

• Online insurance brokerage
• Insurance aggregator platform
• Auto insurance comparison
• Travel insurance underwriting
• Policy price calculator

Headquarters

HQ city

Lviv

HQ country

Ukraine

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance commission (brokerage): Polis24 acts as an independent insurance broker/aggregator, earning commissions from partner insurance companies on each policy sold through its platform. Customer data is transmitted to the chosen insurer upon policy purchase confirmation.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Polis24 is an independent online insurance aggregator and broker operating in Ukraine that aggregates policy offerings from multiple Ukrainian insurance companies and lets customers compare prices, purchase coverage, and receive physical policy documents via courier or Nova Poshta delivery. Core offerings span mandatory auto civil liability (OSAGO), voluntary KASKO, Green Card international insurance, travel/tourism medical insurance, modular corporate medical insurance (DMS), personal accident, property, and professional/cyber liability insurance. Customers transact primarily through a self-serve online calculator supported by phone and online chat consultation with experienced insurance specialists.

Product overview

Polis24 is an online insurance aggregator and brokerage platform operating in Ukraine. The platform does not operate as a single unified product but as a multi-product service connecting consumers with multiple Ukrainian insurance companies. Its core offering centers on auto insurance products — mandatory third-party civil liability (ОСЦВ/Автоцивілка), voluntary КАСКО, and international Green Card insurance — alongside travel/tourism insurance and customizable medical insurance programs offered in five modular tiers. Additional products include personal accident insurance, property insurance, professional liability insurance (with a specialized cyber risk module for IT companies), and voluntary civil liability extensions (ДЦВ). The platform functions as a comparison and brokerage tool, allowing users to compare quotes from different insurers via an online calculator and purchase policies online, with home delivery or pickup at offices across Ukraine.

Differentiator

Problem solved

Functional benefit

Products and services

• Mandatory Auto Civil Liability Insurance (ОСЦВ / Avtotsyvilka) Mandatory third-party civil liability insurance for vehicle owners (ОСЦПВВНТЗ) required by Ukrainian law, covering bodily injury and property damage to third parties in road accidents. Sold to drivers across Ukraine via online calculator with home/Nova Poshta delivery.
• KASKO (Voluntary Vehicle Insurance) Voluntary vehicle insurance covering collision, theft, and natural disaster damage to the insured vehicle, including carrier-specific programs such as КАСКО Absolute and КАСКО Автоледі. Targeted at vehicle owners seeking comprehensive physical damage cover in addition to mandatory OSAGO.
• Green Card International Motor Insurance (Зелена Карта) International mandatory third-party liability insurance for vehicles traveling abroad, valid across 47 countries within the Green Card system, including EU member states and neighboring countries. Required for Ukrainian drivers crossing borders into Green Card jurisdictions.
• Tourism / Travel Insurance (Туризм) Travel insurance for Ukrainian citizens traveling abroad, covering medical expenses, hospitalization, and pandemic-related costs during trips. Pricing depends on insurance amount and destination country, age of insured, trip purpose, deductible size, duration, and program content.
• Medical Insurance Programs (Медичне страхування) Customizable medical insurance programs with modular options including emergency care, outpatient services, pharmaceutical coverage, preventive exams, dental care, and wellness services, offered in five tiered program levels for individuals and corporate clients.
• Professional Liability Insurance (Страхування професійної відповідальності) Professional liability insurance covering errors, omissions, and breaches in professional services, particularly targeted at IT companies, freelancers, and businesses handling client data.
• Property Insurance (Страхування майна) Property insurance covering natural disasters, fire, water damage, and third-party illegal actions, including specialized apartment (Арсенал-Квартира) and house (Арсенал-Дім) products offered through partner Arsenal Insurance.
• Personal Accident Insurance (Страхування від нещасного випадку) Accident insurance providing financial compensation for injuries or death resulting from accidents, available for individuals and corporate groups.
• Cyber Risk Insurance (Страхування від кібер ризиків) Cyber risk insurance covering data breaches, network security incidents, administrative investigations, and reputation recovery costs, targeted at IT companies and businesses handling sensitive data. Sold as a standalone product through the Polis24 platform.

Quantifiable outcome

• Up to 20 minutes to purchase a policy online without visiting an office
• +1 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Two partnerships are on record, tiered core.

• Arsenal Insurance (СК «Арсенал Страхування»)coreOthersArsenal Insurance is a TOP-10 and TOP-3 (in auto insurance) Ukrainian insurance company operating since 2006 with over 50 branches nationwide. It offers full insurance spectrum including auto (KASKO, MTPL), mortgage, medical, property, and liability insurance. Customer satisfaction rate is 95% with average claim payout in ~3 business days. Assets of UAH 1,179,156K (Q1 2017). Ranked 4th in KASKO and 13th in MTPL by premiums. Polis24 offers this insurer's products through its platform.
• Colonnade Ukraine (Колоннейд Україна)coreOthersColonnade Ukraine is the first international insurance company established in Ukraine (1998), part of Fairfax Financial Holdings (Canada). It offers comprehensive insurance services primarily through insurance intermediaries/brokers. Assets of UAH 311,752K (Q1 2017). Member of MTIBU. Polis24 offers this insurer's products through its platform.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Policygenius: US online insurance marketplace specializing in life and home/renters insurance. Partial overlap with Polis24's voluntary insurance verticals (accident, property, professional liability).
• Insurify: US AI-driven insurance comparison and aggregator platform. Comparable to Polis24 in offering consumer-facing price comparison, but with a more advanced technology stack.

Direct peers

• Confused.com: UK-based insurance comparison site (one of the original aggregators) offering motor, travel, and home quotes across multiple insurers. Same independent broker/aggregator model as Polis24, with a focus on consumer self-service purchase.
• Policybazaar: India's largest online insurance aggregator and comparison platform, offering motor, health, travel, and life products across multiple insurers. Polis24 operates the same multi-insurer aggregation model in Ukraine, including the use of an online calculator and policy delivery.
• GoCompare: UK insurance comparison platform aggregating multiple carriers' motor, travel, and home products. Functionally analogous to Polis24's Ukrainian aggregation platform with embedded calculator and direct purchase funnel.
• Compare the Market: UK-based price comparison website allowing consumers to compare and purchase insurance products across multiple providers. Operates the same aggregator/intermediary model as Polis24, particularly relevant for motor and travel insurance comparison.
• Coverfox: Indian online insurance brokerage comparing motor, health, and travel products from multiple insurers. Closely comparable to Polis24 in business model, product breadth, and consumer-facing calculator experience.
• EverQuote: US online insurance marketplace that connects consumers with multiple insurers across auto, home, and life. Polis24's multi-insurer aggregation and online comparison funnel is structurally similar.

Regional players

• Forinsurer: Ukrainian insurance industry portal aggregating information on insurers and insurance products. Regionally relevant comparable to Polis24 within the Ukrainian market, though more information-oriented than transactional.

Others

• Arsenal Insurance: Top-10 Ukrainian insurer and one of Polis24's core partners. While not a direct aggregator competitor, Arsenal's direct online channel overlaps with Polis24's distribution and is a key supplier relationship.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Polis24ua
• Facebookfacebook.com/polis24.ua
• LinkedInlinkedin.com/company/polis24-ua

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 Polis24