Uniway Seguros

What Uniway Seguros does

Uniway – Mediação de Seguros, Lda. (trading as Uniway Seguros) is a privately held, non-exclusive insurance brokerage firm registered with the Portuguese supervisory authority ASF (Autoridade Supervisão de Seguros e Fundos de Pensões) under registration nª 409314291/3 since 12 November 2009. The firm operates from three physical offices in the Lisbon metropolitan area (Lisbon headquarters, Odivelas, and Moita) with 17 employees and serves both individual consumers (Particulares) and businesses (Empresas), supplemented by specialized professional liability solutions (Soluções Específicas). It earns revenue through commissions paid by its panel of 14+ insurance carrier partners including Tranquilidade, Fidelidade, Allianz, Zurich, Ageas, MetLife, Liberty, Victoria, AdvanceCare, Multicare, Medis, ASISA, MGen, Una, AIGG, Hisco, and Caravela; clients are entitled under Portuguese regulation to request disclosure of broker remuneration. There is no disclosed funding, parent company, or M&A activity, and registered share capital is €5,000.

The product portfolio spans core personal lines (auto, home/multirisk, life, health, personal accident, travel, pet, bike, hunting, recreational vessel, domestic employee), corporate lines (work accident, group health, group life, fleet, condominium, multirisk business, garage keeper liability), and a deep specialized suite covering D&O under Art. 396º, professional liability for medical, legal, real estate, and credit intermediary professions, event liability, operational and product liability, environmental liability, TVDE ride-hailing, tourist animation, local accommodation, gym, and cyber risk. Underlying technology is minimal and explicitly described in source material as non-applicable — the firm is a traditional brokerage without a proprietary platform; digital touchpoints are limited to static online simulators for auto and home insurance on uniway.pt, a content marketing blog, and organic social presence on Facebook, Instagram, and LinkedIn.

The go-to-market is sales-led and relationship-driven: customers can request quotes via the online simulators, web contact forms, phone, or by visiting one of the three offices, where qualified advisors analyze multiple carrier products and recommend suitable coverage. Pricing is quote-by-quote based on risk profile, with a publicly disclosed reference entry point of €30/year for multi-risk home insurance. Distribution is exclusively direct (no resellers or marketplace listings), and operations are confined to Portugal, with geographic concentration in the Lisbon metropolitan area. The firm has been recognized for two consecutive years among the TOP 5% Portuguese SMEs for Performance and Financial Solidity under the PME de Portugal Merit System.

Name

Uniway Seguros

Legal name

UNIWAY – Mediação de Seguros, Lda.

Website

https://uniway.pt

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Uniway Seguros is a privately held, ASF-registered non-exclusive insurance brokerage in Portugal, operating from three Lisbon metropolitan offices with 17 employees and a panel of 14+ carriers, serving individuals, businesses, and specialized professional liability clients.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Insurance brokerage services
• Personal insurance products
• Business insurance coverage
• Multi-carrier insurance
• Insurance mediation

Headquarters

HQ city

Lisboa

HQ country

Portugal

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: Uniway Seguros operates as a non-exclusive insurance agent registered with ASF (Autoridade Supervisão de Seguros e Fundos de Pensões) under registration nº 409314291/3. The company earns revenue through commissions paid by insurance companies (partners) for placing insurance policies with clients. As disclosed in their legal information, clients have the right to request information about the remuneration the broker will receive for the mediation service.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Uniway Seguros is a non-exclusive insurance broker (mediador de seguros não vinculado) registered with the ASF, distributing personal and business insurance policies (auto, home, health, life, professional liability, and other lines) on behalf of 14+ insurance company partners. It provides comparative advice, policy placement, and ongoing claims support to individuals and companies across Portugal through three physical offices, online simulators, and direct phone/email channels. Revenue is generated via commissions from partner insurers rather than from underwriting risk.

Product overview

Uniway Seguros is an independent non-exclusive insurance brokerage operating under ASF registration (nº 409314291/3) in Portugal, offering a comprehensive portfolio of insurance products and services to both individuals (Particulares) and businesses (Empresas). The product portfolio spans across two main customer segments: (1) Personal insurance including auto, home/multirisk, life, health, personal accidents, travel, pet, bike, and hunting insurance; (2) Corporate insurance covering work accidents, company health plans, employee life benefits, fleet management, condominium, and business multirisk policies. Additionally, the company offers specialized niche solutions including D&O liability, professional liability for medical/legal/real estate/credit professions, event liability, environmental liability, TVDE (ride-hailing) insurance, tourist animation, local accommodation, gym, and cyber risk coverage. The portfolio is supported by digital tools for online insurance simulation, 24-hour travel assistance services, and dedicated claims management. Uniway operates as a non-exclusive broker working with multiple insurance company partners (including Tranquilidade, Fidelidade, Allianz, Victoria, Multicare, Zurich, and others) enabling impartial market analysis and tailored recommendations.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto insurance (Seguro Auto) Placement of motor vehicle insurance policies (compulsory and optional cover) for personal and business customers, comparing offers across 14+ partner insurers and providing ongoing claims support.
• Home insurance (Seguro Habitação) Placement of residential property insurance (building and contents) for homeowners and tenants, comparing multiple partner insurers.
• Health insurance (Seguro de Saúde) Placement of individual and family health/medical insurance plans from multiple partner insurers.
• Life insurance (Seguro de Vida) Placement of life insurance and life-risk cover, including cover linked to mortgage/credit agreements.
• Personal accident insurance Placement of personal accident cover for individuals, providing protection against death or disability from accidents.
• Workers' compensation insurance (Acidentes de Trabalho) Placement of mandatory workers' compensation/occupational accident cover for employers from multiple partner insurers.
• Professional liability insurance (Responsabilidade Civil Profissional) Placement of professional indemnity and civil liability cover for regulated and self-employed professionals (e.g., lawyers, doctors, engineers, consultants).
• Multi-risk business insurance (Seguro Multirriscos Empresas) Placement of combined multi-risk commercial cover (property, theft, business interruption, civil liability) for SMEs.
• Business fleet insurance Placement of commercial fleet motor insurance policies covering multiple business vehicles under a single arrangement.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

17 partnerships are on record, tiered core.

• TranquilidadecoreOthersUniway Seguros works with Tranquilidade as one of its insurance company partners, offering travel assistance and other insurance products. The partnership provides customers access to Tranquilidade's product portfolio through Uniway's advisory services.
• FidelidadecoreOthersUniway Seguros distributes Fidelidade insurance products. Customers can access Fidelidade's assistance lines and insurance solutions through Uniway's broker services.
• AllianzcoreOthersUniway Seguros works with Allianz as one of its insurance company partners, offering auto, home, and other insurance products.
• ZurichcoreOthersUniway Seguros distributes Zurich insurance products, including auto, home, and corporate insurance solutions.
• AgeascoreOthersUniway Seguros works with Ageas as one of its panel insurance companies, providing various insurance products to clients.
• LibertycoreOthersUniway Seguros distributes Liberty insurance products through its broker network in Portugal.
• VICTORIAcoreOthersUniway Seguros works with VICTORIA insurance company, offering travel assistance and other insurance solutions.
• MetLifecoreOthersUniway Seguros distributes MetLife insurance products as part of its broad panel of insurance partners.
• AdvanceCarecoreOthersUniway Seguros works with AdvanceCare as a health insurance/healthcare network partner, providing health insurance solutions to individual and corporate clients.
• MulticarecoreOthersUniway Seguros distributes Multicare health insurance products, part of the Fidelidade group, offering health coverage options.
• MediscoreOthersUniway Seguros works with Medis as a health insurance partner, offering health coverage solutions.
• ASISAcoreOthersUniway Seguros distributes ASISA health insurance products in Portugal.
• MGencoreOthersUniway Seguros works with MGen as a mutual health insurance partner, offering health coverage to members.
• UnacoreOthersUniway Seguros distributes Una insurance products as part of its non-exclusive broker panel.
• AIGGcoreOthersUniway Seguros works with AIGG as one of its insurance company partners.
• HiscocoreOthersUniway Seguros distributes Hisco insurance products as part of its panel of insurance partners.
• CaravelacoreOthersUniway Seguros works with Caravela as a travel insurance assistance provider, offering 24-hour travel assistance lines.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Marsh Portugal: Marsh's Portuguese operation is a direct competitor in insurance brokerage and risk advisory, especially for commercial accounts, complex specialty lines, and large-corporate placements — comparable in business model to Uniway but operating at materially larger scale.
• CTT – Correios de Portugal: CTT distributes personal and commercial insurance products through its national postal branch network in Portugal, directly competing with Uniway for the same consumer and SME insurance customers via a mass-distribution channel.
• Howden Iberia: Howden is an independent global insurance broker with Iberian operations, offering comparable multi-carrier brokerage services across personal and commercial lines — a structural peer to Uniway's non-exclusive intermediation model.
• Aon Portugal: Aon operates a global insurance brokerage and risk advisory practice with a Portuguese office, competing for the same commercial and specialty insurance placements that Uniway targets (e.g., D&O, cyber, professional liability) while serving SME clients as well.
• Banco BPI: Banco BPI sells insurance products (life, non-life, payment protection) through bancassurance partnerships, acting as a distribution channel that competes with Uniway for the same Portuguese consumer and SME customers.
• DECO Proteste: DECO Proteste is Portugal's main consumer-protection organization that also provides independent insurance comparison and brokerage services, competing with Uniway for price-sensitive consumer insurance buyers in Portugal.
• ACP – Automóvel Club de Portugal: ACP is Portugal's largest automobile club, distributing auto, travel, and personal insurance products to its member base — a comparable relationship-driven insurance intermediary competing for the same consumer auto insurance segment.
• Willis Towers Watson (WTW) Portugal: WTW is a global insurance and reinsurance broker with a Portuguese presence, directly competing with Uniway in commercial and specialty insurance intermediation, particularly in risk advisory and corporate lines.

Broad incumbents

• Tranquilidade: Tranquilidade is a major Portuguese insurer and Uniway partner — competes with Uniway through its own direct channels and agent network for the same auto, home, life, and commercial insurance customers.
• Fidelidade: Fidelidade is Portugal's largest insurance carrier and a current Uniway partner — both a distribution partner and a competitive incumbent via its own direct sales force and bancassurance deals, offering overlapping personal and commercial products.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/uniwayseguros
• LinkedInlinkedin.com/company/uniway-soc.-med.-seguros
• Instagraminstagram.com/uniwayseguros

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 Uniway Seguros