Automate Insurance

What Automate Insurance does

Automate Insurance is a Zurich-based Swiss insurtech founded in 2018 that operates a digital insurance distribution and product platform under the brand Automate (also referenced as AutoMate Insurance). The company offers three core consumer insurance products — motor insurance with telematics-driven Pay As You Go options, legal protection insurance backed by Assista's network of approximately 80 in-house lawyers, and rental deposit insurance backed by UNIQA — distributed via a self-serve online calculator, a broker channel that compresses the sales process from 45 to 15 minutes, and an Executive Solutions white-label program for banks, insurance companies, associations, and clubs.

The underlying technology centers on a smartphone telematics pipeline that scores trips across distraction, speeding, context, and maneuvers, combined with paperless onboarding, 24/7 quoting, and white-label integration tools for partners. The platform is built around a mobile app, a broker/partner portal, and branded calculators and landing pages for embedded distribution.

Automate monetizes through recurring annual insurance premiums across its three product lines plus white-label/embedded distribution fees via Executive Solutions. The go-to-market is hybrid: product-led growth for direct consumers, channel partnerships with insurance brokers, and OEM/embedded white-label deals with named partners including SBB (Swiss Federal Railways), Visana, HCG, TSM, and Europ Assistance. Operations are confined to Switzerland, with a lean team of 10 employees.

Name

Automate Insurance

Legal name

Automate

Website

https://automate.ch

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Automate Insurance is a Zurich-based Swiss insurtech offering motor, legal protection, and rental deposit insurance to Swiss consumers, brokers, and white-label partners through a telematics-driven digital platform.

Ownership category

akta.pro rank

Product category

Digital Insurance

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Usage-Based / Telematics Personal Auto Insurance (FSAJAAAB)

akta.pro secondary industry

Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)

Keywords

• Digital insurance platform
• Motor insurance
• Legal protection insurance
• Rental deposit insurance
• White-label insurance solutions

Headquarters

HQ city

Zurich

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Motor Insurance Premiums: Collection of insurance premiums from motor insurance policyholders, including base coverage and optional add-ons such as Passenger Accident Coverage, Road Assistance, and Legal Protection.
2. Legal Protection Insurance: Legal protection insurance coverage with coverage for legal fees, procedural costs, and expert assessments. One-year renewable contracts with regional support through Assista's network of approximately 80 in-house lawyers.
3. Rental Deposit Insurance: Rental deposit insurance backed by UNIQA partnership, allowing tenants to avoid large upfront cash deposits while maintaining trusted protection.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels3 records

Core offering

Automate Insurance is a Swiss digital insurtech platform that sells consumer insurance products—motor insurance (including a Pay As You Go option with telematics-based driving ratings), legal protection insurance, and rental deposit insurance—directly to individuals in Switzerland. The company also offers the Executive Solutions white-label platform enabling banks, insurance companies, associations, and brokers to distribute branded insurance products to their own customers using Automate's digital tooling.

Product overview

Automate Insurance is a digital insurtech platform offering a portfolio of consumer and business-facing insurance products. The core product lineup includes Motor Insurance (with optional add-ons: Passenger Accident Coverage, Road Assistance, Legal Protection), Legal Protection insurance (providing legal fee coverage through Assista's network), and Rental Deposit Insurance (offered in partnership with UNIQA). Additionally, the company provides an Executive Solutions white-label platform enabling companies, banks, and associations to offer branded insurance products. The ecosystem also includes a mobile app featuring a telematics-based driving rating system that assesses driver behavior across distraction, speeding, context, and maneuvers. The platform emphasizes digital, paperless processes with quick approvals and 24/7 quote calculators.

Differentiator

Problem solved

Functional benefit

Products and services

• Motor Insurance Flexible motor insurance plans for individual drivers in Switzerland, with optional add-on coverages including Passenger Accident Coverage, 24/7 Road Assistance (breakdown and accident support), and Legal Protection. A Pay As You Go variant links coverage and pricing to a smartphone-based driving rating.
• Legal Protection Insurance Legal protection insurance providing coverage for legal fees, procedural costs, and expert assessments, with access to Assista's network of approximately 80 in-house lawyers for regional support in major Swiss cities. Sold as flexible, renewable one-year contracts with paperless online processing.
• Rental Deposit Insurance Rental deposit insurance backed by UNIQA that replaces traditional cash rental deposits, allowing tenants to move in without large upfront costs. Offers fast online application and approval with transparent pricing and no hidden fees.
• Executive Solutions (White-Label Insurance Platform) White-label insurance platform for companies, banks, associations, and clubs that provides tech-driven, paperless processes, quick approvals, and custom integrations including branded calculators and landing pages. Enables partners to deliver branded insurance experiences to their own customers without building their own insurance infrastructure.

Quantifiable outcome

• Reduced sales process time from 45 minutes to 15 minutes for brokers

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• VisanacoreStrategic or Co-development PartnerVisana logo appears on the Executive Solutions page indicating a partnership for providing insurance solutions to their customers. Visana is a Swiss insurance company.
• TSM (Tierschutzverein für Tiere)minorStrategic or Co-development PartnerTSM logo appears on the Executive Solutions page indicating a partnership for insurance offerings to TSM members or customers.
• SBB (Swiss Federal Railways)minorStrategic or Co-development PartnerSBB logo appears on the Executive Solutions page indicating a partnership for insurance offerings to SBB customers or employees.
• HCG (Hospital Casualty Group)minorStrategic or Co-development PartnerHCG logo appears on the Executive Solutions page indicating a partnership for insurance solutions.
• UNIQAcoreStrategic or Co-development PartnerUNIQA is a key insurance partner backing the rental deposit insurance product. The partnership provides trusted protection for tenants avoiding large upfront rental deposits. UNIQA logo appears prominently on the Executive Solutions page.
• AssistacoreStrategic or Co-development PartnerAssista provides legal protection services through their network of approximately 80 in-house lawyers, offering regional support in major Swiss cities. Automate partners with Assista for legal protection insurance coverage including legal fees, procedural costs, and expert assessments.
• Europ AssistanceminorStrategic or Co-development PartnerEurop Assistance logo appears on the Executive Solutions page indicating a partnership for assistance and insurance solutions.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Emerging players

• wefox: European insurtech connecting brokers and carriers via a digital platform. Comparable to Automate's broker-channel efficiency thesis (paperless, accelerated sales) at a much larger scale across Europe.
• Getsafe: German digital insurance broker offering mobile-first personal insurance products. Comparable to Automate in operating model (digital broker, telematics-adjacent, white-label ambitions) though operating in DACH rather than Switzerland.

Broad incumbents

• Generali Switzerland: Swiss subsidiary of Generali offering motor, legal, and household insurance through brokers. Competes with Automate on multiple Swiss insurance lines.
• Zurich Insurance Switzerland: Swiss arm of Zurich Insurance Group, one of the largest motor and P&C insurers in Switzerland. Competes broadly with Automate's motor insurance offering and operates telematics pilots.
• Baloise: Major Swiss insurance carrier offering motor, legal, and property insurance through its own broker network. Competes with Automate on motor and legal protection while also being a potential white-label partner.
• Die Mobiliar: Swiss cooperative insurer with strong broker and agency distribution for motor, legal, and household insurance. Direct competitor to Automate's broker-channel model in Switzerland.
• Helvetia Insurance: Large Swiss insurance group offering motor, legal protection, and property lines through agents and brokers. Comparable to Automate across multiple Swiss insurance verticals and a likely broker-channel competitor.

Direct peers

• Anivo: Swiss digital insurance broker offering motor and personal insurance online. Directly competes with Automate in the Swiss direct-to-consumer insurance market using a similar online quoting and digital onboarding approach.
• Knip: Swiss insurance app that aggregated and managed personal insurance policies via a mobile platform. Closely comparable to Automate as a Swiss digital insurance intermediary targeting consumers with streamlined UX.

Others

• UNIQA Insurance Group: Austrian-headquartered insurer that underwrites Automate's rental deposit insurance product. Comparable both as a potential competitor and as a key partner in Automate's embedded insurance offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/automate-insurance-ag

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 Automate Insurance