Our mission #HackingInsurance We are Qover we rock the status quo of insurance. We build our own insurance products and make them available in real time through open APIs. Any digital business model can embed or sell our products within minutes. Frictionless, transparent and relevant at the right moment. As tech pioneers we execute hard and fast to build the new insurance stack for the digital revolution. Ninjas get **it done. One dream, one team.

1. The Insurer of
The New Economy

2. The Digital Era needs
New Insurance
Solutions
We protect our partners communities while monetizing their user base
• Simple
• On-Demand
• Data Driven
• Multi-Country

3. We have build the infrastructure
to service this opportunity
Plug & Play Multi CountryFully Digital Flexible Products

4. We partner with digital platforms
Deliveroo's preferred
insurance partner
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people across Europe

5. Qover is backed by Anthemis Group, a leading FinTech Venture Capital Firm
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6. Pan
European
100%
Digital
Centralized customer
support
Quick time
to market
• New Economy players
are multi-country
• Hard for legacy players
• API integration &
White Label Front-End
• On-Demand features
• Qover first line of
contact in case of claim
• 90% satisfaction score
• Roll-out in 7 countries
with Deliveroo
• Get sh** done mentality
Qover’s Unique Selling Proposition

7. We build the best solutions
for our partners
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8. Plug & Play insurance
Open - API
Seamlessly add insurance
to your platform while keeping
control over the entire UX
White - label
Turn key front - end solution
personalised to your colours,
your brand
You focus on the distribution, we take care of the rest
8

9. For each country, we’ll go through the same operational set up process
9
Product and legal
● Refine Product specs
● Create T&Cs
● Local legal docs translation
Customer support
● Set up customer front desk
(phone, chat, email,
webform)
● Set up claim process
Communication/education
● Roll out comm material to
community
● PR/Comm
● Insurance 101, Guidelines,
Webinars, prevention tips
Example of Product
Description
How to contact us
Filing a Claim Online
Community blog
Your insurance
explain - guide to
insured persons
Press Coverage

10. Centralized best in - class customer care
We are an insurance company that truly cares about their consumers
and always goes the extra mile
94% Customer Satisfaction
Co- Branded Platform to File a Claim
or Get All Documentations in any Languages
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English, French, Spanish, Italian, German, Dutch, and adding more
(Brazilian portuguese in the process)
Multi - Languages Customer Care
+44 1206 237422
+33 9 71 07 28 38
+34 518 888 095
+353 76 888 8655
+31 20 206 1925
+32 2 588 25 50
+39 090 9100567 +49 32 21 1122121
4hrs avg. response time

11. Our Secret Sauce
We are experts in marrying Tech and Insurance
Modular Tech
platform
Open API Platform:
• Simple integration
White-Label Front-End:
• Plug & Play
Fully Proprietary Tech
• Build in house
Digital Native
insurer
Delegation of Authority:
• Quick product roll-out
Risk Carrier Agnostic:
• Balance Sheet independent
We build & price products
• Insurance Factory
Multi-country
Quick Pan-European roll outs:
• Licensed in 32 countries
Worldwide capabilities:
• Lloyd’s Coverholder
Hard for legacy players
• Structured by country
Data Driven
Collecting New Economy Data:
• Unique access GiG access
Smart Data
• Core Asset in medium term
Dynamic Pricing
• Unique competitive
advantage
Client lock-in
API integration
• Integrated in Front-End
Freemium Model
• Embedded + Upsell
Recurring Revenues
• EBITDA generator for
clients

12. Focus for 2019: Freelance platforms & FinTech’s
Quick sales cycles: we speak the same language, we have the same DNA
Freelance Platforms
• Emerging insurance needs
• Freemium Model (Upsell potential)
FinTech’s
• Monetization / differentiation need
• Ideal embedded & API integration clients

13. 13
Reference Cases

14. Embedded insurance Upsell additional insurance
• Paid by Deliveroo for all their riders
• Rider covered once he logs in the app
to start working
• Subscribed directly by the riders
• Phone and bike insurance
> 20.000
Riders insured
> 90%
Customer
satisfaction
Live in 7
countries
Deliveroo Case - Perfect fit for the Gig Economy

15. Integrated in customer journey Cross-selling of additonal insurance
• Spanish consumer lending website
• Qover solution embedded in subscription
flow
• Income Protection & Personal Accident
• Offered as an upgrade to all existing customers
Owned by
IPF Group
Creditea >
100k
customers in
Spain
IPF Group >
2M customers
in 11 countries
Creditea Spain – Perfect fit for FinTech’s

16. Re-Directed from partner’s website White-label Front-End
• Property website
• Landlord and soon Home Rent insurance
• White-label front-end branded Immoweb
• Instant deployment with other partners
> 4M unique
users per month
Landlord
Insurance &
soon home rent
Owned by
Axel Springer
Immoweb – Perfect Fit for Platform’s

17. API integration Partner’s Front-End
• Partner receives API key and full API access
• Can play with API in Sandbox environment
• Partner fully owns the customer journey
• “Holly Grail solution”
Largest
Belgian broker
Access to >
1M customers
3 products live
MyVanbreda – Traditional Players going Digital

18. API integration White-Label Front-End
• Digital Marketer can access the API
• Build his own front-end
• Turn-key solution
• Partner fully concentrate on customer
acquisition
Qover is not a B2C
company
We can offer our
products to any
B2C professional
Nomad Assistance – B2C for Digital Marketers

19. Quentin Colmant
CEO & Co- Founder
qc@ qover.com
+32 476 22 11 81
Let’s talk !