Beloy
- Company typePrivate
- Founded2020
- HeadquartersParis, France
- Headcount—
- GTM typeB2B
- OfferingSoftware
What Beloy does
Beloy SAS is a Paris-headquartered embedded insurance platform company that operates as a licensed insurance broker in France (ORIAS #20006983, under ACPR supervision) and the United Kingdom (FCA #978039). The company designs, builds, and operates end-to-end embedded insurance programs on behalf of brands, insurers, and brokers, covering the full insurance value chain from distribution and product configuration through claims, payments, and reporting. Its proprietary platform is positioned for rapid deployment via API-first, zero-code integration and is structured around three verticals: Mobility (with named partnerships including Uber and Allianz Partners for Vehicle Interruption Cover in the UK), Lifestyle/Fintech (protection embedded into neo banks and fintech apps), and Future of Work (income and accident protection for freelance and gig platforms, including a 2025 partnership with Malt and Markel). Beloy claims 1,000,000+ users covered worldwide across these programs.
The company monetizes through transaction-fee brokerage commissions on embedded insurance premiums, with custom enterprise pricing negotiated via a consultation-led sales motion and multi-year contracts. Distribution is B2B-only and OEM/embedded in nature — Beloy's platform is integrated directly into partner ecosystems rather than sold direct-to-consumer. The technology stack includes Stripe for payment processing, a multi-stakeholder dashboard with role-based access, and SOC 2 Type II and GDPR compliance certifications. AI use is currently confined to internal customer support tooling with human-in-the-loop controls, rather than serving as a product differentiator. Beloy is privately held, has no disclosed institutional funding or parent company, and reports under French SAS corporate form with a London office supporting its UK-authorized activities.
Beloy firmographics
Firmographics- Name
- Beloy
- Legal name
- Beloy SAS
- Website
- https://beloy.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Ownership category
- akta.pro rank
Beloy industry classification
Industry- Product category
- Embedded Insurance Technology / Insurance Brokerage Technology
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Other Insurance Related Activities (52429)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
Keywords
Where Beloy is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices3 records
Markets served
Beloy business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Others
Revenue model
- Embedded Insurance Brokerage: As a licensed insurance broker (ORIAS registered, FCA authorized), Beloy earns commissions or fees from insurers for placing and managing insurance policies embedded within partner platforms. Revenue derived from premium sharing or brokerage fees on insurance products sold through their platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Custom enterprise pricing based on partnership scope and product requirements |
Go-to-market motion3 records
Distribution channels2 records
Marketing channels3 records
Beloy product offering
Product offeringCore offering
Beloy designs, builds, and manages embedded insurance programs for brands, insurers, and brokers through a proprietary, end-to-end technology platform. The platform covers the full insurance value chain from distribution to claims, payments, and reporting, and embeds directly into partner ecosystems with white-label branding. Beloy operates as a licensed insurance broker (ORIAS registered in France, FCA authorized in the UK, ACPR supervised) and earns commissions and fees for placing and managing insurance products such as Vehicle Interruption Cover delivered through the Uber app in partnership with Allianz Partners.
Product overview
Beloy is an embedded insurance platform that combines expert advisory services with a proprietary technology platform to design, build, and manage embedded insurance programs for brand, insurer, and broker partners. The offering is structured as a unified platform (the Embedded Insurance Platform) that operates across three named business verticals — Mobility, Lifestyle, and Future of Work — each serving distinct sectors (mobility/vehicles, neo banks/fintech, and gig/freelance work platforms). A specific branded product, Vehicle Interruption Cover (VIC), is delivered in partnership with Uber and Allianz Partners under the Mobility vertical. The platform handles the full insurance value chain including distribution, claims management, payments, and reporting, and is designed to embed directly into a partner's ecosystem.
Differentiator
Problem solved
Functional benefit
Products and services
- Embedded Insurance Platform A proprietary, end-to-end embedded insurance platform that Beloy designs, builds, and operates on behalf of brand, insurer, and broker partners. It covers the full insurance value chain from distribution to claims, payments, and reporting, and embeds into partner ecosystems with white-label branding and zero disruption to the user experience. Targeted at enterprises (brands, insurers, brokers) seeking to launch insurance products rapidly across multiple jurisdictions.
- Vehicle Interruption Cover (VIC) An embedded safety-net insurance product that provides financial support to Uber drivers when their vehicle is out of service following an accident during an Uber trip. Delivered in collaboration with Uber and Allianz Partners as the carrier, with Beloy powering the technology, distribution, and digital claims journey.
Quantifiable outcome
- 1,000,000+ users covered worldwide
- +1 more outcomes
Companies that use Beloy
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Beloy technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability1 record
Feature4 records
Beloy partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- UbercoreBeloy partnered with Uber and Allianz Partners to deliver Vehicle Interruption Cover (VIC) for UK Uber drivers. VIC provides financial support to drivers who can't work due to an accident during an Uber trip while their car is out of service. The journey is fully digital and powered by Beloy's technology platform.
- Allianz PartnerscoreInsurance carrier partner in the Uber Vehicle Interruption Cover program. Provides the underlying insurance product while Beloy powers the technology and distribution platform.
- MarkelcoreInsurance partner collaborating with Beloy to provide freelance workers with financial protection and security. Partnership aims to give independent workers access to benefits and protections similar to traditional employees.
- MaltcoreUK freelance platform partnering with Beloy and Markel to provide financial protection and security for freelance workers. Charlotte Gregson, Country Head UK at Malt, expressed excitement about the partnership enabling access to employee-like benefits for gig workers.
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
Beloy competitors and assessment
Company assessmentDirect peers
- Zego: UK insurtech providing usage-based and gig-economy motor and fleet cover, overlapping with Beloy's Mobility and Future of Work verticals and serving similar platform customers.
- Wrisk: UK-based embedded insurance platform focused on OEMs, mobility, and consumer brands, offering API-based distribution and policy administration comparable to Beloy's core platform proposition.
- Boost Insurance: US-based embedded insurance infrastructure provider offering APIs and white-label policy administration for digital brands, directly comparable to Beloy's API-first embedded distribution model.
- Qover: Belgian-headquartered embedded insurance orchestration platform serving mobility, fintech, and gig platforms with an API-driven, broker-grade stack — the closest direct competitor to Beloy across Europe.
- Loadsure: UK-licensed broker operating an embedded cargo and logistics insurance platform, comparable in that it combines broker authorisation (similar to Beloy's ORIAS/FCA posture) with API-led distribution into partner ecosystems.
Emerging players
- Trov (now closed/absorbed): Pioneer in on-demand and embedded mobility/lifestyle cover; historically a direct comparator to Beloy's mobility and lifestyle verticals, illustrating both the opportunity and the capital-intensity required to scale embedded insurance.
- Marshmallow: UK digital-first motor insurer using data-led pricing and embedded-style distribution; relevant as a fintech-flavoured European insurtech competing for the same platform-driven customers.
- Marshmallow: UK digital-first motor insurer using data-led pricing and embedded-style distribution; relevant as a fintech-flavoured European insurtech competing for the same platform-driven customers.
Broad incumbents
- CoverWallet (Aon): Originally a digital SMB broker and now part of Aon, CoverWallet represents the incumbent threat Beloy faces as large brokers build embedded distribution offerings for enterprise platforms.
Peers
- Wakam: European B2B2C insurtech and white-label carrier partnering with brands and platforms to embed cover, directly comparable to Beloy's broker/carrier orchestration role across EU markets.
Market position
Strengths1 record
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights6 records
Customer concentration
Beloy social profiles
Digital presenceBeloy compliance and trust
Trust signalCompliance2 records
Beloy financial estimates
Financial estimateRevenue estimate
Valuation estimate
Beloy leadership team
Management profileNumber of profiles
Profiles1 record
Beloy funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Beloy 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 Beloy
What does Beloy do?
Beloy designs, builds, and manages embedded insurance programs for brands, insurers, and brokers through a proprietary, end-to-end technology platform. The platform covers the full insurance value chain from distribution to claims, payments, and reporting, and embeds directly into partner ecosystems with white-label branding. Beloy operates as a licensed insurance broker (ORIAS registered in France, FCA authorized in the UK, ACPR supervised) and earns commissions and fees for placing and managing insurance products such as Vehicle Interruption Cover delivered through the Uber app in partnership with Allianz Partners.
Is Beloy a public or private company?
Beloy is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Beloy founded?
Beloy was founded in 2020.
Where is Beloy based?
Beloy is headquartered in Paris, France, in the Europe region.
How does Beloy make money?
One revenue line is on record: embedded Insurance Brokerage.
Who are Beloy's main competitors?
Direct peers on record are Zego, Wrisk, Boost Insurance, Qover and Loadsure. Emerging players are Trov (now closed/absorbed), Marshmallow and Marshmallow. CoverWallet (Aon) is listed as a broad incumbent. Wakam is listed as a peer.
Does Beloy have an API?
No public API is recorded for Beloy.
What industry is Beloy in?
Beloy's product category is Embedded Insurance Technology / Insurance Brokerage Technology. Its primary akta.pro industry code is FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms. Its NAICS code is 524210 and its SIC code is 6411.