Products

Our smart suite of products protect millions of happy customers, distributed by the world’s largest ecommerce companies from a single call to our XCover API. If something does go wrong, our instant payment platform, XClaim, can deliver payment to any bank or e-wallet account with ease.

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The Insurtech Difference

Seamless Integration

Cover Genius' suite of insurance products provide seamless API based POS solutions, generating on-demand policies from your dataset.

Customized Policies

We co-create policies and experiences for customers of the world largest platforms from mobility and home/car sharing to retailers, fintechs and more.

Instant Payments

Our XClaim platform issues instant payment of claims with multiple payment types in every region and more than 90 currencies.

XCOVER

The platform that delivers on our vision to protect all the customers of the worlds largest companies.

XCover is an insurance distribution platform that provides seamlessly integrated end-to-end insurance capability including, regulated insurance policies in more than 60 countries and across 50 US states.

What is XCOVER?

  • Bundled insurance policies that are relevant, in the right language and the right currency
  • Predictive customer-level insights (lifetime value, loyalty) and machine learning-based product recommendations
  • Dynamic pricing and risk analytics via API (BrightWrite)

How it works

XCLAIM

XClaim is an API for instant payments. We pay your customer's claim in real time, via bank transfer, store credit, virtual prepaid card, credit card top-up, or any of the popular e-wallets, in 90+ currencies.

XClaim pays instantly, as claimants attest by awarding NPS scores of +65. The modular setup of XClaim also supports submission forms, assessor front-end/comms, and notifications via email/SMS/phone, based on any claim type.

Our microservices

RENTALCOVER

In 2015, we built an API for car rental insurance and peer to peer insurance. We added a B2C site, RentalCover.com, and together they have grown to become the largest rental insurance distributor globally.

We enable OTA’s, peer to peer and car rental agents to sell insurance add-ons to thier customers. Policies are sold through 60+ countries, available in any language at dynamically driven prices that are optmized using our patented technology, BrightWrite.

Our Products and Services

Brightwrite

Brightwrite is a data analytics platform that dynamically recommends product bundles and optimizes price for any Cover Genius partner.

BrightWrite is an additional service available to XCover and Rental Cover partners that helps ensure your customers are presented with relevant products for their specific needs, at a price that is optimized for conversions.

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How BrightWrite works

BrightWrite is a data analytics platform that includes a pricing and product bundling service. It's available for policies sold or integrated by our XCover and RentalCover partners.

Insurance for any business

We understand that your success comes from satisfied and loyal customers. Our XCover API lets you deliver on this promise by delivering a seamless customer experience from policy creation to claims management.

Our zero friction approach starts with policies that aren’t written by lawyers, where the benefits are bespoke and bundled for whatever’s in the cart.

retail

payments

The XCover API creates a new distribution channel for a range of personal insurance products, served at the right time, in the right place.

logistics

We partner with carriers, freight fowarders, merchants/shippers, shipping aggregators and marketplaces who want domestic or international shipping and a truly frictionless experience.

mobility & auto

A single API call that allows auto and mobility companies to create frictionless experiences for a wide range of motor, travel, injury and liability insurance policies for any market.

gig economy

The XCover API provides end to end processing of contractor's liability coverage for the giants of the gig economy.

travel

OTAs, Metas, airlines, LCCs, accommdation providers, tour aggregators and cruise lines use XCover for dynamically bundled policies from one simple integration.

Fintech / Neobank

You've built your business by slaying dinosaurs. So have we. Our whitelabels and APIs have commercial and personal insurance packs that neobanks, FX, AltFi's and lenders need.

car rent / share

We built RentalCover.com, the #1 car rental insurance distributor globally. Enough said.

Homesharing

Policies for liability, rental protection, contents and full property that are bundled or paid at the time of listing. Offer them all with the XCover API.

Our APIS

XCover

Insurance policy delivery API

View The API

XClaim

Claims processing platform

View The XClaim API

Rentalcover.com

Car rental insurance API

View The API

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