VAANCE
VAANCE S.r.l. is a Milan-based insurtech intermediary providing a proprietary white-label B2B2C platform that enables banks, travel operators, real estate networks, credit brokers, and utilities to offer insurance products under their own brand without building in-house capabilities.
- Company typePrivate
- Founded2014
- HeadquartersMilano, Italy
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What VAANCE does
VAANCE S.r.l. is an Italian insurtech intermediary headquartered in Milan that enables non-insurance businesses to offer branded insurance products to their end customers through a B2B2C white-label model. The company serves distributors including banks, travel operators, real estate networks, credit brokers, utilities, and fashion/mobility agencies, providing consulting, product development, regulatory compliance support, sales-force training, and ongoing customer service alongside platform access. VAANCE is registered in the RUI under number B000442767 with IVASS supervision and is GDPR-compliant.
The core offering is the VAANCE Insurance Platform, a proprietary cloud-based SaaS system managing the full insurance policy lifecycle — pre-sale, sale, and post-sale — across both Property (Danni) and Life (Vita) lines. The platform aggregates over 70 insurance products from 15+ first-tier insurance companies, supports multi-product and multi-company routing, and exposes REST APIs for integration with distributor databases, payment providers, and insurer back-office systems. Technical features include white-label UI configurability, digital signature, digital payment processing, and modular process automation covering quotation, issuance, endorsements, renewals, claims tracking, and reporting. The product portfolio spans six categories: Auto, Affinity, Persona, Abitazione, Investimento & Risparmio, and Aziende & Professionisti.
VAANCE generates revenue through commissions on insurance products distributed via its platform and supplementary consulting and project-management fees. Distributors incur no setup or management costs, paying only on a transaction basis. The company is founder-led by Enrico Guarniero, operates as part of the broader Strategica Group ecosystem, and runs with a team of fewer than ten employees. No external funding rounds, M&A activity, or institutional ownership have been disclosed in the source material.
VAANCE firmographics
Firmographics- Name
- VAANCE
- Legal name
- VAANCE S.r.l.
- Website
- https://vaance.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- VAANCE S.r.l. is a Milan-based insurtech intermediary providing a proprietary white-label B2B2C platform that enables banks, travel operators, real estate networks, credit brokers, and utilities to offer insurance products under their own brand without building in-house capabilities.
- Ownership category
- akta.pro rank
VAANCE industry classification
Industry- Product category
- Insurance Platform Software (Insurtech)
- NAICS
- Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)
- akta.pro secondary industries
- Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Technology / IT Services BOP (FSAJAFAK)
Keywords
Where VAANCE is headquartered
LocationHeadquarters
- HQ city
- Milano
- HQ country
- Italy
- HQ region
- Europe
Offices1 record
Markets served
VAANCE business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Insurance Distribution Commissions: VAANCE generates revenue through commissions on insurance products distributed via its platform. Distributors pay no setup or management costs but generate incremental revenues from commissions on sold policies.
- Consulting and Project Management Services: Turnkey consulting services including business plan development, process analysis, legal verification, sales force training, and marketing support for insurance projects.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | No-cost platform access for distributors |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels3 records
VAANCE product offering
Product offeringCore offering
VAANCE operates a proprietary, multi-product, multi-company digital insurance platform that enables distributors (banks, travel agencies, real estate networks, credit brokers, energy companies) to offer P&C (Danni) and Life (Vita) insurance products under their own brand in white-label mode. The offering spans over 70 insurance products from 15+ top-tier insurance companies and covers the entire policy lifecycle (pre-sale, sale, post-sale) including quotation, issuance, digital signature, payments, claims, endorsements, and reporting. A turnkey consulting and project management service accompanies the platform, providing business plan development, legal verification, sales training, and customer service support.
Product overview
VAANCE offers a proprietary digital insurance ecosystem centered on a multi-product, multi-company, multi-channel insurance platform. The core offering consists of the VAANCE Insurance Platform managing the complete policy lifecycle (pre-sale, sale, post-sale) for both P&C (Danni) and Life (Vita) insurance across Retail, Professional, and Business segments. The platform is complemented by a turnkey service package including business planning, legal verification, sales training, and customer service. Insurance products portfolio spans six categories: Auto (competitive auto insurance with rapid quotation), Affinity (custom group insurance), Persona (protection including Tcm, illness, accident, and new mobility coverage), Abitazione (home insurance with IoT integration), Investimento & Risparmio (investment and savings products), and Aziende & Professionisti (business/professional coverage including Cyber, Business Interruption, D&O). The ecosystem leverages API integration and Big Data Analytics technologies. VAANCE operates exclusively through B2B2C distribution with white-label partnerships.
Differentiator
Problem solved
Functional benefit
Products and services
- VAANCE Insurance Platform Proprietary cloud-based SaaS platform managing the complete insurance policy lifecycle from quotation, issuance, document management, payments, claims tracking, reporting, and policy administration, supporting both Property (Danni) and Life (Vita) insurance for retail, professional, and business customers via white-label deployment.
- Turnkey Service Package Comprehensive turnkey ('chiavi in mano') service including benchmark and technical analysis, business plan development, project management, product development, legal verification, sales network training, process assistance, sales support, and customer service for distributor partners.
- Auto Insurance Auto insurance products with a rapid quotation engine and intuitive subscription process, designed for comparison sites and direct insurance companies, offering unique solutions and innovative services.
- Affinity Insurance Custom affinity insurance products tailored for homogeneous groups such as professional organizations, trade associations, and company employees, optimizing coverage, service levels, and pricing.
- Persona Insurance Exclusive personal protection products including Tcm (Temporary Death), illness and accident coverage, career protection for disability, and innovative coverage for new mobility including e-scooters and e-bikes.
- Abitazione (Home) Insurance Home insurance with modular or fully customized policies based on risk profiling, covering apartments, vacation homes, and historic properties with IoT integration and high service components.
- Investimento & Risparmio (Investment & Savings) Insurance Investment and savings insurance products ranging from retail to high-net-worth solutions, including direct use, generational wealth transfer, succession planning, and family protection instruments.
- Aziende & Professionisti (Business & Professional) Insurance Business and professional insurance for SMEs, freelancers, and emerging risks including Cyber, Business Interruption, and D&O (Directors & Officers) liability coverage with progressive authority levels for efficient underwriting.
Quantifiable outcome
- Significantly reduced time-to-market for insurance product launches
- +2 more outcomes
Companies that use VAANCE
Customer profileNamed customers6 records
Segments7 records
Ideal customer profiles6 records
VAANCE technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability8 records
Feature5 records
VAANCE partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- 15+ Insurance Companies (Top-tier)coreVAANCE maintains strong relationships with over 15 first-tier insurance companies at national and international level, enabling access to exclusive and innovative insurance products for distribution through the platform. The direct collaboration with company top management provides privileged access for creating innovative insurance solutions.
- Valore SicurominorSpecialized insurance broker partner for travel sector distribution. Valore Sicuro places dedicated travel insurance policies through VAANCE platform, integrated with tour operator and travel agency management systems and insurance companies for quotation, issuance, and policy management.
- Strategica Insurance ManagementminorSpecialized broker partner for utilities/energy sector. Strategica Insurance Management places contractor insurance policies (CAR/EAR) through VAANCE platform, integrated with contractor data and insurance company systems.
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
VAANCE competitors and assessment
Company assessmentRegional players
- Segugio.it: Leading Italian insurance price-comparison platform aggregating multi-carrier products for retail customers. Comparable by multi-carrier aggregation in Italy, but operates D2C comparator rather than B2B2C white-label distribution.
- Prima Assicurazioni: Italian digital-first insurance carrier for motor and home lines, operating through a D2C digital channel rather than a B2B2C white-label stack. Comparable by geography and product scope, but competes in a different distribution model.
- MioAssicuratore: Italian insurance broker combining human advisors with a digital platform for multi-carrier personal and commercial lines. Comparable as an Italian insurance intermediary using digital distribution, though not focused on white-label B2B2C as primary motion.
Broad incumbents
- EIS Group: Established core insurance SaaS provider offering policy administration, billing, and distribution platforms to insurers worldwide. Comparable in the underlying core-platform functionality that VAANCE provides to its distribution partners.
- Duck Creek Technologies: Major incumbent SaaS provider for the insurance industry, offering policy, billing, and claims platforms. Comparable in core insurance platform capability, though at significantly larger scale and with a broader insurer customer base.
Direct peers
- Yolo (Yolo Group): Italian insurtech focused on embedded and on-demand insurance distribution via APIs/white-label models. Directly comparable to VAANCE in geography (Italy) and model (B2B2C, white-label, multi-product platform with carrier aggregation).
- Wakam (Alice & Bob): European player offering white-label insurance products distributed through partner ecosystems via APIs. Closely aligned with VAANCE's B2B2C/white-label model, multi-carrier aggregation, and platform-led approach.
Emerging players
- Instabase (now Imburse): Insurance infrastructure and distribution enablement platform working with insurers and distributors. Operates in the same embedded-insurance / insurtech enablement category, supporting digital distribution across Europe.
- Cover-Mate (Modular Insurance): Embedded insurance infrastructure provider offering API-driven white-label distribution similar to VAANCE's model. Comparable as an enabling insurtech infrastructure peer targeting distributors and platforms.
- Getsafe: European digital insurance platform operating in Germany and expanding across DACH with embedded and white-label propositions. Comparable in digital distribution and platform-based customer experience, though focused more on end-customer experience than enterprise integration.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
VAANCE compliance and trust
Trust signalCompliance3 records
VAANCE financial estimates
Financial estimateRevenue estimate
Valuation estimate
VAANCE leadership team
Management profileNumber of profiles
Profiles4 records
VAANCE funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
VAANCE M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about VAANCE
What does VAANCE do?
VAANCE operates a proprietary, multi-product, multi-company digital insurance platform that enables distributors (banks, travel agencies, real estate networks, credit brokers, energy companies) to offer P&C (Danni) and Life (Vita) insurance products under their own brand in white-label mode. The offering spans over 70 insurance products from 15+ top-tier insurance companies and covers the entire policy lifecycle (pre-sale, sale, post-sale) including quotation, issuance, digital signature, payments, claims, endorsements, and reporting. A turnkey consulting and project management service accompanies the platform, providing business plan development, legal verification, sales training, and customer service support.
Is VAANCE a public or private company?
VAANCE is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was VAANCE founded?
VAANCE was founded in 2014. It employs 1 to 10 people.
Where is VAANCE based?
VAANCE is headquartered in Milano, Italy, in the Europe region.
How does VAANCE make money?
Two revenue lines are on record. Insurance Distribution Commissions are the primary driver. The others are consulting and Project Management Services.
Who are VAANCE's main competitors?
Regional players on record are Segugio.it, Prima Assicurazioni and MioAssicuratore. Broad incumbents are EIS Group and Duck Creek Technologies. Direct peers are Yolo (Yolo Group) and Wakam (Alice & Bob). Emerging players are Instabase (now Imburse), Cover-Mate (Modular Insurance) and Getsafe.
Does VAANCE have an API?
Yes. The platform features a web-based Presentation Layer with REST services for communication with the backend. APIs are used to expose functionality for extremely low integration times, enabling rapid extensibility toward new external applications including social media services and mobile apps. The platform architecture enables integration with insurance company systems (both P&C and Life), distributor systems, and third-party systems. API capabilities are referenced in the context of enabling data exchange between different players in the insurance ecosystem.
What industry is VAANCE in?
VAANCE's product category is Insurance Platform Software (Insurtech). Its primary akta.pro industry code is FSAGAGAB, Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS), with a secondary code of FSAJAFAB, Mid-Market Commercial Package (Package Policies). Its NAICS code is 524210 and its SIC code is 6411.