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 * Platform
   Platforms
   
   XCover
   
   The global distribution platform for all lines of insurance
   
   
   rentalcover
   
   The leading insurance distributor platform for rental hire car
   
   
   XCOVER GO
   
   Warranty & shipping protection via ecommerce apps
   
   
   MICROSERVICES
   
   XCLAIM
   
   The API for complete claims management and payment
   
   
   BRIGHTWRITE
   
   Analytics platform for product rec and price optimizing
   
   
   CHECK OUT OUR RESTFUL APIS
   
   XClaim API
   
   XCover API
   
   RentalCover API
 * Solutions
   Selected solutions
   
   Total shipping protection
   
   Logistics insurance
   
   
   Covid Cover
   
   Travel protection
   
   
   Full product protection
   
   Global product warranty
   
   
   Cancel for any reason
   
   Booking refund protection
   
   
   Protection pocket
   
   Protection at checkout or via trans monitoring
   
   
   Ride advantage
   
   Protecting riders and contractors
   
   
   Generous jewelry protection
   
   Warranties on valuables
   
   
   Geniebot
   
   AI-based product rec & price optimization
   
   
   Delay valet
   
   Instant payouts for travelers
   
   
   Demos
   
   XCover available at Amazon
   
   Embedded travel insurance for Skyscanner
   
   Boost revenue and CLB with XCover Go
   
   View all demos
   Case studies
   
   86% YoY travel revenue growth
   
   Shipping claim processing in 24 hours
   
   513% growth for online retailer
   
   View all case studies
 * Industries
   
   Retail
   
   Increase CLTV with warranties and product insurance
   
   
   Payments
   
   Personal insurance products which put your customer first
   
   
   Logistics
   
   Coverage for all shipping industries and providers
   
   
   Mobility & Auto
   
   Bikes, OEMs, car sharing or rental cars
   
   
   Gig Economy
   
   Tailored protection for contractors
   
   
   Travel
   
   Protection for anyone, anywhere
   
   
   Property
   
   Unique coverage for any property type
   
   
   Fintech/neobank
   
   Sell or embed personal and professional lines of insurance
   
   
   Business Services
   
   Tailored commercial insurance to boost ancillary sales
   
   
   Tickets & Events
   
   Protection for millions of ticketholders worldwide

 * Insurance
   
   Commercial
   
   BOPs, Cyber, D&O, WC, Liability & more for any SMB
   
   
   Product warranties
   
   Comprehensive product warranties
   
   
   Pet
   
   Personalized pet insurance for any cat, dog or exotic pets
   
   
   Auto
   
   Tailored insurance & warranties for dealers, DMS's
   
   
   Cargo & Marine
   
   Insurance for any logistics solution with same day claims
   
   
   Tickets and events
   
   Price-optimized ticket protection & same day claims
   
   
   Travel
   
   Unbundled insurance with Covid Cover, Smart Delay
   
   
   Property
   
   Renters, homeowners, landlords, hosts, guests
   
   
   Others
   
   Niche insurance, CLIPs and surplus lines

 * Research
   
   Embedded insurance reports - Retail
   
   Embedded insurance reports - Travel
   
   Embedded insurance reports - Fintech
   
   View all research
 * Company
   
   About Cover Genius
   
   Careers
   
   CG Gives
   
   Company News





XCOVER


XCOVER

The distribution platform for global, customized insurance.

XCover is a global insurance distribution platform that delivers personalized
insurance in any country, language, and currency. Dynamic bundling of policies
from any category and underwriter means a highly-customized insurance
experience, and we’re licensed or authorized in over 60 countries and 50 US
states to enable global capabilities from a single API call.

GET IN TOUCH

Available at:



ANY LINE OF INSURANCE, ANYWHERE IN THE WORLD

XCover makes it simple for the world’s largest companies to offer tailored
insurance policies directly to their customers. With a RESTful API that
dynamically optimizes price and products in real-time, the XCover distribution
platform lets you serve relevant policies in any country and language.

We’ve made integration seamless, with an easily configurable API and flexible
service design that ensures minimal switching costs. And when it comes to
compliance, our global regulation has you covered across the world with licenses
or authorization in over 60 countries and 50 US states.

view the api
view the api


HOW IT WORKS




THE XCOVER DIFFERENCE

DYNAMICALLY-BUNDLED POLICIES

XCover lets you offer insurance that’s the best fit for your customers, based on
their purchase behavior and lifestyle. By dynamically bundling policies from any
category and underwriter, our API serves the most relevant insurance products in
the right language and currency – so your customers get peace of mind and a
personalized insurance experience.

FLEXIBLE & SCALABLE

We’ve made integration as simple as can be, with a RESTful API that allows
seamless switching at minimal cost. Highly flexible and easily configurable, our
API gives you the freedom to insure and price (for risk or retail) based on any
metric – from microseconds and mileage to parametric inputs such as weather,
traffic, and flight data.

A GLOBAL INSURANCE FRAMEWORK

With regulated insurance policies in more than 60 countries and 50 US states,
and policy content available in over 40 languages, XCover is built for
international operations and cross-border expansion. What’s more, our XClaim
instant payments platform enables immediate payment of claims in over 90
currencies, for a truly global insurance solution.

DYNAMIC PRICE OPTIMIZATION

The XCover experimentation API, BrightWrite, uses data to implement dynamic
price experiments, so you can continually test and optimize to ensure you’re
hitting the pricing sweet spot. As for compliance, just like everything else, we
keep it simple – our compliance team gives direction to our partners and we
don’t request sign off.




SMARTER INSURANCE, MADE SIMPLE

It’s pretty straightforward – the millennial buying an iPhone X needs a very
different type of policy to the baby boomer booking a Royal Caribbean Cruise. So
why do so many insurers think that “one size fits all”? We don’t – which is why
our XCover API dynamically bundles policies to serve the most relevant insurance
product to each customer.


TESTING, TESTING... EXPERIMENT WITH XCOVER

XCover lets you perform frontend price testing to serve the right product at the
right price. Using our BrightWrite data analytics service, you can implement
ongoing price and product recommendation strategies, with dynamic price
experiments that optimize for the highest possible conversion each time. The
result is happier customers, higher conversions, and a healthy boost to your
bottom line.




LIGHTWEIGHT INTEGRATION, FLEXIBLE DESIGN

Our zero-friction approach starts with seamless integration, so you can be all
set up and testing sooner. And because the XCover API is highly flexible and
easily configurable for new partners, insurers, and lines of insurance, you can
be sure of processes that are the perfect fit for your business requirements.

As for the road ahead, the XCover platform is designed to grow with your
business. Whether you need to add more insurance products, extend to other
markets, or expand to new countries, XCover helps you take advantage of every
opportunity that comes your way.

WANT TO FIND OUT MORE?

Get in touch and discover how our global insurance platform can help grow your
business.

find out more
find out more
view the api
view the api


INDUSTRIES

 * retail
 * payments
 * logistics
 * mobility & auto
 * gig economy
 * travel
 * property
 * fintech / neobank
 * business services

PRODUCTS

 * xcover
 * rental cover
 * xclaim
 * brightwrite
 * SHAKE SHIELD

INSURANCE

 * commercial
 * car
 * travel
 * moving
 * product
 * global shipment
 * property
 * pet
 * ticket and event

OTHER LINKS

 * about
 * careers
 * Case Studies
 * Demos
 * Resources
 * Accessibility

FOLLOW US

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Australian Resident policies are sold by Cover Genius Pty Ltd (Australian
Business Number 43 159 983 598) in its capacity as an AFS Licensee, No 490058
and underwritten by Assetinsure Pty Limited (ABN 65 066 463 803, AFSL 488 403)
or Pacific International Insurance Pty Limited (ABN 83 169 311 193). Cover
Genius does not act as your agent: this advice is general and does not take into
account your objectives, financial situation or needs. You should consider
whether the advice is suitable for you and your personal circumstances. Before
you make any decision about whether to acquire the product, please read the PDS
& FSG contained in your quote. If you purchase a policy from Cover Genius, the
company receives a commission which is a percentage of your premium – ask us for
details. Cover Genius is bound by the General Insurance Code of Practice
and Family Violence Policy.

American insurance policies are sold by Cover Genius Insurance Services, LLC, a
Delaware limited liability company, 11 West 42nd Street, 2nd Floor, New York, NY
10036. Its license information is available here. Cover Genius Insurance
Services, LLC receives compensation from its underwriting partners. Coverages
may vary and not all coverage is available in all jurisdictions. Insurance
coverages are subject to the terms, limitations and exclusions in the applicable
policy.

American warranty products are sold by Cover Genius Warranty Services, LLC, a
Delaware limited liability company, 11 West 42nd Street, 2nd Floor, New York, NY
10036.

Cover Genius Ltd. is authorised and regulated by the Financial Conduct
Authority. Firm No. 750711, Registered Office: 4 Ravey Street, London EC2A 4QP,
United Kingdom, incorporated in England & Wales. Company Registration Number:
09408621.

Cover Genius Europe, B.V. is authorised and regulated by the Dutch Authority for
the Financial Markets [Autoriteit Financiële Markten] as an insurance
intermediary, licence number 12046177. KvK number 73237426.This website uses
cookies. By continuing to use this website you are giving consent to cookies
being used. For information on cookies and how you can disable them visit
our Privacy & Cookie Policy.

† Cost savings are based on a comparison of all Cover Genius shipping protection
versus published carrier rates for Fedex, UPS, DHL, USPS, UPS, Old Dominion,
DHL, XPO Logistics, Estes Express Lines, YRC and TForce Freight as at June 27,
2022. Time savings are based on average resolution times (i.e. the duration from
initial filing to completed payment) for all XCover shipping protection claims
as at May 31, 2022 (sample size = 868) compared with the industry average time
including payment settlement (min. 6 days) and period to acknowledge a filed
claim.

‡ The score includes any type of claim and claim outcome across our partner
network except for those partners with less than 30 claims and those not
assessed by Cover Genius.