What Roar does

Roar is a Hungarian insurance and financial advisory network operating as a wholly-owned subsidiary of Generali Biztosító Zrt. (the Hungarian arm of Generali Group). Founded in May 2017 by Árr Mariann and Szabolcsi Attila, the company functions as a tied insurance agent (függő ügynök), distributing Generali's insurance products exclusively through a network of 300+ personal advisors. The network has grown from 44 advisors at founding to over 200 by 2021 and 300+ by end of 2023.

The company's core offering is a comprehensive insurance product portfolio spanning personal lines (life, accident, health, pension, child savings, private healthcare), property (home, landlord/short-term rental, pet), vehicle (KGFB mandatory liability, casco, bicycle, drone), and travel insurance, supplemented by free advisory consultations. Distribution is conducted through a direct-sales advisor network targeting Hungary's Y and Z generation, with advisors positioned as a 'new generation' of entrepreneurs who speak the same language as younger customers. Digital channels (blog, Facebook, Instagram, LinkedIn, YouTube, TikTok) drive top-of-funnel awareness, while free in-person and digital consultations convert leads.

The business model is commission-based revenue earned on insurance products sold, with multi-policy bundling creating switching frictions and lifetime value expansion. Pricing varies by product and customer profile; personal accident insurance is available from 8,789 HUF/month, while other products require tailored consultation. The company operates entirely within Hungary, with a single headquarters in Budapest at Váci út 36-38. There is no public revenue disclosure, no external funding, and no AI/ML capabilities specifically documented in the available data. The HR function has been fully outsourced to the parent company's HR&Org department, reflecting operational integration with Generali.

Name

Roar

Legal name

Roar Biztosítási és Pénzügyi Közvetítő Kft.

Website

https://helloroar.hu

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

101–250 employees

Short description

Roar is a Hungarian insurance and financial advisory network and wholly-owned subsidiary of Generali Biztosító Zrt., distributing Generali insurance products through 300+ personal advisors. It targets Hungary's Y and Z generation with a digital-first, advisor-led model spanning life, health, property, vehicle, pension, and travel insurance.

Ownership category

akta.pro rank

Product category

Insurance Advisory Services

NAICS

All Other Insurance Related Activities (524298), Insurance Carriers and Related Activities (524)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

Keywords

• Insurance advisory services
• Financial consulting
• Insurance brokerage
• Personal insurance distribution
• Multi-policy advisory

Headquarters

HQ city

Budapest

HQ country

Hungary

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 Product Sales: Roar acts as an insurance intermediary (függő ügynök) for Generali products, earning commissions on insurance policies sold including life, health, property, vehicle, and other insurance products.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Roar is a tied insurance agent (függő ügynök) and financial advisory network that distributes Generali's insurance product portfolio to Hungarian consumers. The company sells home, landlord, pet, vehicle (Casco, KGFB, bicycle, drone), travel, life, accident, health, pension, and child savings insurance through a network of 300+ personal advisors offering free consultations, policy reviews, and multi-policy consolidation services.

Product overview

Roar is a next-generation insurance and financial advisory network operating as a subsidiary of Generali Hungary. The company offers a comprehensive portfolio of insurance products including property insurance (home, landlord, pet), vehicle insurance (casco, KGFB, bicycle, drone), personal insurance (life, accident, health, pension, child savings), and travel insurance. Services are delivered through personal consultants who provide tailored advice across all products. The company operates primarily in the Hungarian market, targeting Y and Z generation customers with digital-first approach while maintaining traditional advisory services.

Differentiator

Problem solved

Functional benefit

Products and services

• Kisállat biztosítás (Pet Insurance) Pet insurance for dogs and cats covering veterinary costs for accidents and illnesses, offered as a rider to home insurance for responsible pet owners.
• Lakásbiztosítás (Home Insurance) Home insurance protecting property and belongings from risks including fire, water damage, burglary, and natural disasters, with packages such as Házőrző offering up to 48% first-year discount for Hungarian homeowners.
• Lakáskiadóknak (Landlord Insurance) Specialized insurance for short-term rental property owners protecting against damages caused by guests, including building and contents coverage, for Hungarian Airbnb-style landlords.
• Casco (Comprehensive Vehicle Insurance) Comprehensive voluntary vehicle insurance covering theft, damage, glass breakage, and natural disasters with 24/7 assistance services for Hungarian car owners.
• Drónbiztosítás (Drone Insurance) Liability insurance for Hungarian drone operators covering damages and legal costs, required by regulation for drones over 250g since 2021.
• KGFB (Mandatory Vehicle Liability Insurance) Compulsory Hungarian third-party vehicle liability insurance with optional add-ons for passenger accident coverage, pothole damage, and legal protection.
• Kerékpár biztosítás (Bicycle Insurance) Bicycle insurance covering theft and accidents for Hungarian cyclists, available as a rider to home insurance policies.
• Utasbiztosítás (Travel Insurance) Travel insurance providing coverage for accidents, illness, and baggage loss during trips for Hungarian travelers, with customizable packages for different travel types.
• Private Care - Magán egészségbiztosítás (Private Health Insurance) Private healthcare insurance providing Hungarian customers access to medical examinations, laboratory tests, diagnostics, and specialist consultations for a fixed monthly fee.
• Nyugdíjbiztosítás (Pension Insurance) Long-term pension savings insurance with state tax benefits (up to 130,000 HUF annual tax credit) and protection from inheritance fees for Hungarian savers.
• Testőr - Élet-, baleset- és egészségbiztosítás (Life, Accident and Health Insurance) Combined life, accident and health insurance offering 22 different services including coverage for bone fractures, hospitalizations, critical illnesses, and death for Hungarian consumers.
• Gyermekjóléti megtakarítás (Child Future Savings) Children's savings insurance with investment components to build funds for education, first car, or apartment by age 18, with 10-year tax-free maturity for Hungarian parents.
• TöbbMilliós Segítség (Multi-Million Assistance Accident Insurance) Accident insurance with coverage up to 30 million HUF, available without medical examination for ages 0-79, with family coverage including children and elderly relatives. Available from 8,789 HUF/month.
• Hosszútávú megtakarítás (Long-term Savings) Unit-linked life insurance-based savings product with professional portfolio management and tax-free returns after 10 years for Hungarian long-term savers.
• Ingyenes tanácsadás (Free Financial and Insurance Advisory) Free financial and insurance advisory service where personal consultants help Hungarian customers review existing policies, prepare personalized quotes, and find optimal insurance solutions tailored to their needs, including multi-policy consolidation for discounts.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Netrisk.hu: Hungarian online insurance comparison and brokerage platform offering motor, home, and travel insurance directly to consumers. Direct peer to Roar as both distribute third-party insurance products digitally, though Netrisk is purely self-service while Roar combines digital with personal advisors.
• CLB Független Biztosítási Alkusz: Hungarian independent insurance brokerage distributing products from multiple carriers. Comparable to Roar in the personal advisory distribution model, though CLB is multi-carrier and traditional in approach, whereas Roar is tied exclusively to Generali with a younger, digital-first brand.
• Biztosítás.hu: Online insurance comparison and brokerage portal in Hungary. Comparable to Roar as a consumer insurance distribution channel; competes for the same digital-first buyer though without the personal-advisor overlay.

Broad incumbents

• NN Biztosító Zrt. Major Hungarian life and health insurance carrier, part of NN Group. Operates in the same life and health insurance categories that Roar distributes via Generali; comparable as a broad incumbent with overlapping product categories.
• Allianz Hungária Zrt. One of Hungary's largest direct insurance carriers offering life, health, property, and motor insurance. Comparable as a broad incumbent in the same Hungarian market; Roar distributes only Generali products but Allianz represents the kind of full-portfolio carrier that Roar's customers could otherwise buy directly from.
• K&H Biztosító Zrt. Hungarian insurance carrier affiliated with K&H Bank, offering property, motor, and life products. Comparable as a broad incumbent in Hungary with bancassurance-style distribution that overlaps with Roar's life and pension advisory focus.
• Generali Biztosító Zrt. Roar's parent company and one of Hungary's largest direct insurance carriers. Comparable as the underlying carrier whose products Roar distributes; also a direct competitor end-customer-side since customers can buy Generali products without going through Roar.
• Groupama Biztosító Zrt. Major Hungarian insurance carrier offering property, vehicle, life, and health products. Comparable as a broad incumbent in the same Hungarian insurance market with overlapping product categories Roar distributes.
• Union Biztosító Zrt. Hungarian insurance carrier (Vienna Insurance Group subsidiary) offering life and non-life products. Comparable as a broad incumbent in the same Hungarian market with overlapping distribution categories.

Emerging players

• Signal Biztosító Zrt. Hungarian direct insurance carrier known for digital-friendly products and competitive pricing in motor and property. Comparable to Roar as a digitally-leaning Hungarian insurance distributor targeting younger consumers, though Signal underwrites its own products rather than acting as a broker.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCf5ZJibLIRIKBZFsUwwu6pA
• Facebookfacebook.com/helloroar
• LinkedInlinkedin.com/company/helloroar
• Instagraminstagram.com/helloroar

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Roar