Osiguraj.me

What Osiguraj.me does

Osiguraj.me is a Croatian digital insurance aggregator operated by Siguran klik d.o.o. za zastupanje u osiguranju, a privately held company headquartered in Split and founded in 2016 under a HANFA insurance representation license (Class UP/I 974-03/16-01/70). The platform enables individual vehicle owners and small commercial operators to compare and purchase mandatory auto insurance and kasko coverage from 11+ Croatian and international carriers — including Allianz, Generali/AS-Direkt, GRAWE, UNIQA, Sava, Triglav, Croatia osiguranje, Wiener, Groupama, Adriatic, and Agram Life — with a stated purchase flow of 60 seconds. The core technology is a real-time price comparison calculator with direct integration into Croatian technical inspection station systems, allowing digital policies to be verified at vehicle registration without physical paperwork.

The company has accumulated over 200,000 reported portal users, supported by strong consumer trust signals (4.8/5 on Google, 4.5/5 on Facebook). Product surface extends beyond auto into motorcycle, truck, and tractor insurance, supplementary health, home/apartment property, travel, personal accident, and boat insurance. Go-to-market is digital-first and product-led, complemented by licensed agent support via phone, WhatsApp, and email, plus a 2024 strategic partnership with HAK (Croatian Auto Club) providing exclusive access to 230,000+ members with up to 18% discount positioning. Revenue is generated on an affiliate/referral commission basis against policies sold, with a 15% online-purchase discount and additional HAK-member discounts layered into the pricing structure. The company runs an unusually lean operation of 6 employees and discloses no external funding.

Name

Osiguraj.me

Legal name

Siguran klik d.o.o. za zastupanje u osiguranju

Website

https://osiguraj.me

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Osiguraj.me is a Croatian digital insurance aggregator, operated under a HANFA license, that enables consumers and small operators to compare and purchase auto, kasko, health, property, and travel insurance from 11+ carriers in roughly 60 seconds online.

Ownership category

akta.pro rank

Headquarters

HQ city

Split

HQ country

Croatia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Insurance policy commissions: Osiguraj.me acts as an authorized insurance agent (Siguran klik d.o.o.) representing multiple insurance companies. The platform earns commissions on each insurance policy sold through the aggregator. The company is authorized by HANFA for insurance representation activities since 2016.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Osiguraj.me is a Croatian digital insurance aggregator platform that enables users to compare and purchase vehicle, health, property, and travel insurance policies from 11+ major Croatian insurance providers in approximately 60 seconds online. Operated by Siguran klik d.o.o., the platform acts as an authorized insurance agent (HANFA-licensed) and earns commissions on each policy sold through the comparison engine.

Product overview

Osiguraj.me is a digital insurance aggregator platform operating as a comparison marketplace for insurance products in Croatia. The core platform enables users to compare and purchase vehicle insurance policies from multiple insurance providers within 60 seconds online. The main product is the mandatory auto insurance (Obvezno auto osiguranje/AO) aggregator, supplemented by Kasko (comprehensive vehicle insurance) and various add-on modules including passenger accident insurance, bonus protection, AO Plus extended coverage, roadside assistance for Croatia and EU, wild animal collision coverage, and partial glass coverage. Additional insurance categories include motorcycle, truck, and tractor insurance; supplementary health insurance; property insurance for homes and apartments; travel insurance; and personal accident insurance. The platform distributes insurance from partner providers including Allianz, AS Direct Generali, Grawe, Wiener, Groupama, Sava, Triglav, Uniqa, Generali, and Croatia insurance.

Differentiator

Problem solved

Functional benefit

Products and services

• Obvezno auto osiguranje (AO) Mandatory third-party liability auto insurance, legally required for all vehicle owners in Croatia, covering damages caused to third parties. Distributed through the aggregator platform with comparison across 11+ Croatian insurers.
• Kasko osiguranje Comprehensive vehicle insurance covering damage to the policyholder's own vehicle from accidents, theft, natural disasters, and other covered risks, regardless of fault.
• Dodatna osiguranja uz osiguranje vozila (Supplementary vehicle coverages) Supplementary add-on coverages including passenger accident insurance, bonus protection, AO Plus extended coverage, roadside assistance (Croatia and EU), wild animal collision coverage, and partial glass coverage.
• Osiguranje motora Motorcycle insurance coverage providing mandatory liability and optional comprehensive protection for two-wheeled vehicles.
• Osiguranje teretnih vozila Insurance coverage for commercial freight vehicles, including mandatory liability and optional additional protections.
• Osiguranje traktora Mandatory third-party liability insurance for agricultural tractors and similar vehicles.
• Dopunsko zdravstveno osiguranje Supplementary health insurance providing additional medical coverage beyond the mandatory basic health insurance scheme in Croatia.
• Dodatno zdravstveno osiguranje Voluntary additional health insurance covering extra medical services and treatments beyond standard and supplementary health insurance.
• Osiguranje kuće, stana Property insurance covering damages to residential buildings and household contents for homeowners and apartment owners.
• Osiguranje turističkih apartmana, kuća i gostiju Insurance for tourist rental apartments, houses, and guest liability, targeting short-term rental property owners.
• Putno osiguranje Travel insurance for international trips covering medical emergencies, trip cancellations, and travel assistance.
• Osiguranje plovila Insurance coverage for boats, yachts, and other watercraft, including mandatory and optional protections.
• Osiguranje nezgode Personal accident insurance covering injuries and death from accidents regardless of cause.

Quantifiable outcome

• Compare and purchase insurance in 60 seconds
• +2 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Partnerships

Two partnerships are on record, tiered core.

• HAK (Croatian Auto Club)coreStrategic or Co-development Partner · 11 September 2024Strategic partnership with HAK, Croatia's largest auto club with 230,000+ active members. Osiguraj.me is the recommended insurance aggregator for HAK members, offering exclusive discounts up to 18% on mandatory auto insurance. The partnership combines HAK's roadside assistance expertise with Osiguraj.me's digital insurance platform, providing members with comprehensive vehicle protection solutions.
• Insurance companies (Allianz, AS-Direkt/Generali, GRAWE, Wiener, Groupama, Sava, Triglav, Uniqa, Croatia osiguranje)coreChannel Partner/ Reseller/ DistributorOsiguraj.me (Siguran klik d.o.o.) is an authorized insurance agent representing 11 major Croatian insurance companies, enabling the aggregator to provide comprehensive price comparisons across the market.

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• MoneySupermarket: UK price-comparison platform spanning insurance, banking, energy and travel. Direct functional peer for the aggregator-plus-affiliate-commission model that Osiguraj.me operates.
• Check24: Germany's leading digital price-comparison platform for insurance, banking, energy and telecom. Closest analog to Osiguraj.me's model of aggregating multiple insurer products behind a single real-time comparison UI, scaled to a much larger market.
• GoCompare: UK-based insurance comparison marketplace comparing motor, home, travel and life policies from multiple providers. Operates the same aggregator-and-commission model as Osiguraj.me, focused initially on auto insurance.
• Confused.com: One of the original UK insurance aggregator sites comparing motor, home and travel policies. Same multi-carrier online comparison-and-purchase model as Osiguraj.me.
• Verivox: Major German price-comparison portal offering insurance alongside energy, telecom and financial products. Directly comparable to Osiguraj.me as a multi-line insurance and household-services aggregator earning affiliate/commission revenue.
• Compare the Market: Iconic UK insurance aggregator (Compare the Meerkat) covering motor, home, travel and pet insurance. Highly comparable business model and value proposition (fast multi-carrier comparison and online purchase) to Osiguraj.me.

Regional players

• LeLynx.fr: Leading French insurance comparison aggregator (motor, home, health) owned by Allianz. Operates the same multi-carrier online comparison model as Osiguraj.me but focused exclusively on the French market.

Broad incumbents

• Croatia osiguranje: Largest Croatian insurer and one of Osiguraj.me's carrier partners. Comparable as a broad incumbent in the same product categories (auto, home, health) with overlapping customer base, though operating as a direct underwriter rather than an aggregator.
• Generali osiguranje (Croatia): Croatian subsidiary of Generali Group, listed as a carrier partner of Osiguraj.me. Provides a parallel direct-distribution channel for the same motor, health and accident products that Osiguraj.me aggregates.
• Allianz Croatia: Croatian arm of global insurer Allianz and a key Osiguraj.me carrier partner. Comparable as a broad incumbent selling the same auto, home and travel products, but through owned distribution rather than aggregation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@osigurajme/c
• Facebookfacebook.com/osigurajmehr
• Instagraminstagram.com/osiguraj.me/?hl=hr
• TikToktiktok.com/@osiguraj.me
• LinkedInlinkedin.com/company/osiguraj.me

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Osiguraj.me