designs and builds individualized insurance products …

… and technology platforms based on customers’ transaction data, mobility and lifestyle behaviours.

KoverNow´s digital insurance platform aims to cover all insurance needs with a one-stop-shop experience. The integrated app provides customers individualized, flexible and fully transparent insurance policies, services and risk management; all the while catering to the changing behaviors and attitudes of digital natives.


Our offerings are tailored to your specific needs. You maintain complete flexibility of the policy you subscribe to, the items you choose to protect and the scope of coverage.

It does not matter if you are the owner or just the user of an item; if it is new or used.


Change is a constant in life and with brings varying degrees and types of risk. That is why we do not provide rigid contracts and instead offer flexible modules and terms.

You start or stop your insurance cover whenever you want and wherever you are by merely switching the registered items or policies on or off within your KoverNow app.


Everything is managed within the app with only a few clicks including submitting a claim.

It normally will not take longer than 24 hours to process your claim because of our underlying digital front-to-end platform.


We are always ‘on’, not only within the app. If you need help or advice our experts are available for you.

Push messages will keep you up to date with the newest developments, products and information relevant to your profile.

Continuous Development

One of our goals is to make dealing with insurance easy, fast, transparent, interesting, and most of all truly relevant to your actual needs.

That is why we are continuously working on new features, products and services that reflect changing lifestyles and the impact of macro events.

Technology & Security

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Our Insurance Products

Items insurance is our launch product, introducing the convenience of the KoverNow Vault a single repository for all your insurance needs. Updated and available 24/7.

Future products will seamlessly integrate with your individual Vault, so you have full transparency and flexibility of your insurance envelope.

Take a look at KoverNow’s items product VIDEO.


A parametric flight delay and lost luggage cover bundled with an emergency health product covering doctors’ bills and hospitalization costs.

Life Raft

An umbrella policy that protects you at times of a catastrophe or pandemic event, offering medical-, term life- and unemployment protection in a single policy. You decide and adjust the size of your life raft to adequately protect you and your family.

Drive & Ride

A flexible ‘pay-as-you-drive’ motor insurance, offering a low base premium and accurate billing for the number kilometers driven. As with ‘Items’, the vehicle value adjusts automatically


Your pet is part of your family, our pet insurance helps you covet vet cost if your pet falls ill, gets injured or has an accident”. Our pet tracker keeps you updated where your pet is roaming.

Partner & Ecosystem

We are building an ecosystem and connecting the dots across a wide spectrum of players within the insurance value chain. This is being done purposefully and allows us to be nimble and relevant to our customers and to broad-base our products and services through an array of distribution channels.

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