How it works

Insurance that spreads through people, not paperwork.

Get matched to trusted European insurers in 2 minutes. Invite friends, unlock rewards, build your safety network.

Simple, transparent matching and rewards that make insurance worth sharing.

See how it works

2-minute signup. Zero jargon.

Invite friends, earn rewards together.

Trusted by 50+ European insurers.

As featured in

Tech.eu Sifted EU Startups

How it works

Three steps. No paperwork. No waiting.

Everything happens in one platform. No brokers, no phone calls, no confusing forms. Just a clear path from "I need insurance" to "I'm covered and earning rewards."

Tell us what you need

Answer a few quick questions about your life situation. Moving cities? Freelancing? Just got a car? We'll figure out what coverage makes sense for you.

Your info in 60 seconds

Meet your match

Our AI instantly connects you with the right insurer from our network of 50+ trusted European providers. See exactly why we picked them, compare your options, choose what feels right.

AI finds your perfect fit

Share and earn

Invite friends and family to SafetyBoat. Every person who gets covered through your link unlocks rewards for both of you. Stay insured, level up your perks.

Rewards that actually matter

Rewards

Insurance becomes worth sharing.

Traditional insurance gives you nothing for bringing in friends or staying loyal. We flip that. Every invite, every month you stay covered, every family member you add—it all comes back to you in real value.

What You Earn

Bill credits and cashback on your coverage
Family bonus pools when you add parents, siblings, or partners
Travel perks, mobility discounts, and lifestyle rewards
Exclusive partner offers that unlock as you level up

How You Earn

Share your personal invite link—track who signs up in real time
Stay covered month after month to climb reward tiers
Add family members or roommates to unlock group bonuses
Hit milestones and streaks for surprise perks

Why It Works

SafetyBoat makes insurance something you actually want to talk about.
When your friends get better coverage and you both earn rewards, everyone wins.
That's how insurance should spread—through trust, not ads.

Invite tracking dashboard Reward wallet Family unlock bonuses Monthly streak counter

Who it's for

Built for how young Europeans actually live.

You move between cities. You freelance. You travel. You split rent with roommates. Traditional insurance wasn't made for your life. SafetyBoat is.

Why It Feels Different

Interface that feels like your favorite apps, not a PDF form
Language that's clear and honest—no industry jargon
Available across major EU markets with local payment options
Mobile-first because that's where you actually are

Who Uses SafetyBoat

Gen Z renters who need coverage that moves with them
Young families bundling health, home, and auto insurance
Freelancers and creators who work across borders
Students studying abroad who need flexible travel coverage
Anyone tired of insurance feeling like homework

Our story

Insurance has never been social. Until now.

For decades, insurance was something you dealt with alone, in silence, when legally required. Complicated contracts. Endless hold times. Zero community. We're done with that model.

The Problem

Young people avoid insurance because it's confusing, expensive, and irrelevant to how they live. Insurers spend billions on ads that don't work. Nobody wins.

Our Solution

SafetyBoat makes insurance simple, transparent, and rewarding. We connect you to the right provider in minutes, then give you real reasons to invite others and stay covered.

The Result

Insurance spreads through people who actually trust each other. You get better coverage and real perks. Insurers reach people they've never been able to. Everyone benefits.

Technology

Powered by AI. Designed for humans.

You see a simple, fast experience. Behind the scenes, smart automation handles the complex stuff—matching, compliance, routing, rewards—so you never have to think about it.

Instant Matching

Our AI analyzes your needs and finds the best insurer in your network in under 10 seconds. No guesswork, just results.

Always Compliant

Real-time regulatory checks across every EU market we operate in. You're always protected, we're always audit-ready.

Automatic Rewards

Invite someone? Reward triggers. Hit a streak? Perk unlocks. Add family? Bonus appears. No manual claiming required.

Smart Routing

Every user lands with the right partner based on age, location, needs, and preferences. Matches get better as we learn.

Secure Payments

PSD2-compliant payment rails, encrypted transactions, and instant payout processing for all rewards and cashback.

Built to Scale

Our infrastructure handles thousands of signups across multiple countries with a tiny team. Efficiency = better experience for you.

Trust

Serious infrastructure. Friendly experience.

We might feel playful, but we take your data, your privacy, and your security extremely seriously. Here's what protects you.

Our Partners

50+ regulated insurers across Germany, France, Spain, Italy, UK
Every partner is licensed and compliant with EU insurance regulations
We don't invent insurance—we connect you to real, trusted providers
Transparent matching: you always see why we picked each option

Your Security

Bank-grade encryption on all data transmission and storage
Multi-factor authentication on every account
SOC 2 compliance roadmap in progress
24/7 security monitoring and automated threat detection
All data stored in EU data centers

Your Privacy

You control what information gets shared with insurers
We never sell your data to third parties
Clear consent at every step—no hidden fine print
Full GDPR compliance across all markets
Delete your account and data anytime

"I avoided insurance for two years because it felt overwhelming. SafetyBoat made it so simple I told three friends the same day." — Sophie, 26, Berlin

"Finally, insurance that doesn't feel like punishment. The rewards actually add up." — Marco, 24, Madrid

Your journey

From curious to covered in under 5 minutes.

Here's exactly what happens when you use SafetyBoat, step by step.

Visit

You land on SafetyBoat. Instantly understand what we do and why it's different. Click "Get matched now."

Share Your Situation

Tell us about your life—where you live, what you do, what coverage you're looking for. Takes 2 minutes max.

Match

See Your Matches

Our AI shows you the top 3 insurer options with transparent reasoning. Compare prices, coverage, and reviews.

Choose

Choose & Connect

Pick your favorite. We handle the handoff to that insurer. You finalize your policy with them directly.

Invite

Invite & Earn

Share your unique SafetyBoat link. When friends sign up, you both get rewards. Watch your perks grow on your dashboard.

Learn how rewards work

Ready to get covered?

Ready to get covered the modern way?

Join 1,200+ young Europeans who've already ditched traditional insurance for something better.