Introducing XCover: A distribution platform enabling the World's largest eCommerce companies to sell insurance to their global customers.

We've worked with partners to create dozens of World-first products that now exceed $1bn Gross Premiums per annum. We bring licenses for 50 US States & 60+ countries and claims handling, but most of all we bring an insurtech mindset.

We're Winning Awards

Our Australian entity was recognized as the fastest growing company in Australia in 2017.
Globally, KPMG added Cover Genius to their Top 100 "Emerging Fintechs".
Smart Company - Smart 50 Winner

XCover is the answer if you always wanted to sell insurance but couldn't, or if you want to sell more insurance but can't. It's an end to end solution with optional components (payments, translation, claims servicing & underwriting), available for eCommerce companies only. 

Rental Car Insurance

We built, the global #1 seller of rental insurance.

Liability & Contractors

The XCover API does quote & bind for giants of the Gig Economy.

Travel, Flight Delay & More

Insurers, OTAs, metas, LCCs & cruises use XCover for Price & Risk.

Personal Effects

XCover takes payments & manages policies in 60+ countries from 1 API. 



XCover's Policy Admin System includes Landlords insurance for most markets.


(US only)

MGA Partner's integrate XCover for US Renters, from a single API.

Life, Disability & Health Insurance

XCover can integrate ratings tables and control the pen for insurers.

[Add your business model]

Together we can co-create any insurance product you wish to sell.

Easy integration from an elegant API

Make a simple request and your customer will receive a personalized policy in 60+ countries and 20+ languages. Oh, and we send the frontend (optimized), the price (optimized), and actionable insights for your Customer Experience and BI teams.

Insurance that meets the market's needs

Intermediated distribution, legacy systems, absence of digital data and pricing with a blindfold and dartboard has meant that insurers haven't connected their products to the World's largest eCommerce companies. We resolve that with a combination of global scale and data science. We've got the magic key to one of the World's oldest vaults.


Gaps, Gaps, Gaps

Our partner was stuck selling to only one source market. We added 70. They increased ancillary revenue 60%.

Annual Recurring Revenue

Our partner launched annual policies & revenue per new customer grew by 83% in 3 months. ARR... it's awesome.

Stop Wasting Sales Calls

Our partner started actioning the customer data we send. They converted 41% more often. We got a standing ovation.

Data science with a high confidence level

We sit on your website, ask you to give us lots of customer data and then what? For time immemorial the answer was a resounding "nothing". Welcome to the new era. Ours is an actuary-free zone crawling with data scientists who love the challenge that a big dataset provides. Lean in while we tell you who is loyal, who will churn, who needs a reach out, what products you should be selling to what cohorts & at what price.

Customer Insights

Our patent-pending technology tells you who is loyal vs who you think is loyal, who is valuable, who to retain and who not to bother and which anonymous users you really need to meet.

Dynamic Pricing

You've got a 33 y.o. from Mirdif in Dubai who visits your site 5 times a year for 94 seconds on average (never past the quote stage, always via your app) and who suddenly stopped travelling with his wife? We've got that cohort covered.

Multivariate Testing 

Multivariate testing requires thousands of searches per week to get statistical significance. Thankfully we process millions, so we can run thousands of simultaneous tests every hour across our network.

Data Viz

Our reporting makes marketers weep with joy. Bring love to your management and board reports with a presentation stack that vizualises lifetime values, churn models, monthly recurring revenue, optimization potential and more.

We're insurance experts so you don't have to be

Ever tried to write and price a customized policy for a local market, then adapted it for over 70 countries and dozens of underwriters, translated it into 20 languages, trained a small army of customer-facing subject matter experts, generated daily reports for every regulator, run thousands of multivariate tests per day, submitted dozens of policies to each regulator & built a platform for delivering those hundreds of policies? We have. Integrate us to save your sanity!

70+ Countries

We have multiple policies that are compliant and ready to be sold to 70+ source countries. We customize the products based on what's actually being sold in the same transaction. Just tell us what you need, actually just tell us via your API Request and we'll reply in a second or two.

End to end service

We send elegant emails to confirm transactions (& to encourage the refuseniks) and take incoming calls & emails mindfully 24/7 in 20 languages. We process claims as if it's a family heirloom and our app educates your customers about insurance. Everything is done by us based on your input - we're your partner after all.

Bespoke policies

Our patented technology delivers high (or ltd.) liability policies that auto-renew (annuals), that pay claims in any currency, that can be customised individually and that can be complemented with paid & free options that you get to request such as roadside cover or emergency accommodation.

Truly global

We're in 20 languages & 70+ countries. Global insurers typically give you 30 or so countries (Europe & a few others on a good day) and 1 language. We have dozens of "global", regional & domestic insurers. Our partners request policies that their customers truly need.

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