Qover Embedded Insurance Platform

Qover is an embedded insurance company founded in 2016 by Quentin Colmant and Jean-Charles Velge. Its entity is Qover SA/NV, Belgian-regulated, and it describes itself as orchestrating embedded insurance for businesses and insurers across Europe through an API-first platform.

The platform covers a policy engine, front-end experiences, payments, compliance, claims handling, customer care and reporting. It offers accident and health, mobility, purchase protection, travel and property cover with 12+ insurers. Brands such as Revolut, Mastercard, BMW, Monzo, bunq and Canyon use it, and Qover is licensed in 32 European countries.

• Insurance APIs: quoting and binding, policy lifecycle, payments, pricing configuration and reporting.
• Claims handling: claims management and customer care operated for the partner.
• Policy engine: configurable products across accident, mobility, purchase, travel and property.
• Front-end experiences: embeddable customer journeys for partner apps.
• Risk carrier management: connects partners to multiple insurers.
• Compliance layer: regulation and compliance handled across licensed countries.

A Vietnamese neobank or e-wallet could study the model for embedding purchase protection or travel cover. A regional insurer could use it as a reference for partner-facing API design. A Vietnamese telecom could consider a technology partnership for a Europe-linked product.

One API platform covers quoting, policy lifecycle, payments, claims and customer care, so partners avoid building an insurance stack. Qover reports 15 million people protected and over USD 173M gross written premium in four years. ISO 27001 and ISO 27701 certified.

Embedded insurance is moving from point-of-sale add-ons to full orchestration layers that combine product, payments and claims. Southeast Asian fintech and e-commerce platforms, including those in Vietnam, increasingly look for such API-first stacks, although Qover currently operates in Europe only.

Founded 2016 by Quentin Colmant and Jean-Charles Velge. Total funding over USD 100M, including a USD 12M CIBC Innovation Banking facility announced 31 March 2026. FCA-authorised in the UK. No Southeast Asia presence stated on the site.