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市場調查報告書
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2116853

歐洲保險科技：市場佔有率分析、產業趨勢與統計及成長預測（2026-2031 年）

Europe Insurtech - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2026 - 2031)
出版日期: | 出版商: Mordor Intelligence | 英文 150 Pages | 商品交期: 2-3個工作天內

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簡介目錄

據 Mordor Intelligence 稱，2025 年歐洲保險科技市場價值 2856 億美元，預計到 2031 年將達到 3991.3 億美元，而 2026 年為 3019.8 億美元，預測期（2026-2031 年）複合年成長率為 5.74%。

歐洲保險科技市場-IMG1

本報告按產品線（人壽保險、健康保險、產物保險、特殊保險）、銷售管道（消費者直銷、數位管道、聚合平台/市場等）、最終用戶（個人/零售商、中小企業/公司、大型企業/公司等）和地區（英國、德國、法國等）進行細分。市場預測以美元計價。

歐洲保險科技市場的趨勢與洞察

數位化優先應用與開放保險API

疫情封鎖加速了通路轉型，如今歐洲消費者期望獲得端到端的數位體驗，涵蓋從報價、合約簽署到服務交付和理賠處理的各個環節。歐盟《金融數據存取法案》將於2027年生效，該法案強制推行標準化API，顯著降低了轉換保險公司的門檻，並使消費者能夠在任何設備上比較多家保險公司的產品。因此，成熟企業正將更多IT預算投入到面向客戶的微服務中，以維持市場佔有率。英國和荷蘭的金融科技沙盒正在縮短產品測試週期，並幫助新創公司直接連接核心銀行生態系統。隨著開放式保險的日趨成熟，更高的定價透明度和整合替代資料集以實現更精細化風險評分的能力將為企業帶來競爭優勢。

電子商務與旅遊領域的嵌入式保險

2023年至2024年間，在叫車、汽車訂閱和線上零售平台付款過程中簽訂的保險保費成長超過一倍，超過了所有其他銷售模式。 Qover和安聯都擴展了其白牌項目，為購買電動車的客戶提供60秒內即可打包的汽車保險。情境化優惠提高了轉換率，客戶獲取成本控制在每份合約10歐元以下，遠低於比價網站的平均水準。利用監理沙盒可以快速部署概念驗證（PoC），同時滿足《保險銷售指示》規定的產品合規性檢查要求。目前，電子商務合作夥伴擴大要求提供包含網路安全和保固保險的捆綁契約，嵌入式保險的應用場景也正在從旅行和電子產品保險擴展到其他領域。

歐盟成員國之間監管規定的碎片化

保險科技公司必須應對橫跨歐盟、英國和歐洲自由貿易聯盟（EFTA）的28種不同的許可製度，每種制度都有其獨特的資本緩衝要求，並在消費者保護方面存在細微差別。償付能力II標準融入各國國內法的程度各不相同，這意味著即使持有基於通行證的許可證，也很少能免除當地的報告義務。英國脫歐使總部位於英國、面向歐洲銷售產品的公司的合規工作量加倍，迫使許多公司設立兩個法律實體。歐洲保險和退休金監理局（EIOPA）的協調藍圖將持續到2030年，這意味著旨在企業發展歐洲大陸市場的新創公司難以減輕負擔。大型成熟公司可以攤提額外的管治成本，從而擴大資源差距，並緩解競爭強度。

細分市場分析

到2025年，產物保險將佔保費收入的38.05%，但專業類別的複合年成長率最高，達到7.34%，預計到2031年將為歐洲保險科技市場帶來可觀的收入。領先企業正在利用外部遙測資料、供應鏈資料和寵物健康應用程式介面（API）建立精細化的風險池，並將綜合比率控制在90%以下。在德國和法國，電子健康記錄的引入加速了核保流程，帶動了人壽和健康保險合約的強勁成長。在產物保險保險領域，自動化正在將簡單的汽車和住宅保險報價整合到數位化管道，而海上和網路保險負責人則在處理利潤率更高的複雜風險。 NIS2強制網路安全法規和寵物擁有率的上升都在推動保費成長並促進業務多元化。

過去幾年也出現了類似的趨勢。在雲端原生定價引擎的支援下，2020年至2024年間，專業保險領域的保費絕對值增加了一倍以上。例如，保險科技公司推出的車隊保險產品可以即時計算里程，並為安全駕駛提供每月回饋金。此外，專業保險負責人也利用再保險附加險來管理尾部風險，從而在不增加資本負擔的情況下提高風險接受度。這些因素共同促成了專業保險領域成為歐洲保險科技市場的核心成長引擎。

其他好處：

  • Excel格式的市場預測（ME）表
  • 3個月的分析師支持

目錄

第1章：引言

  • 研究假設和市場定義
  • 調查範圍

第2章：調查方法

第3章執行摘要

第4章 市場狀況

  • 市場概覽
  • 市場促進因素
    • 新冠疫情後時代「數位化優先」保險的廣泛應用。
    • 監管措施旨在促進保險業開放和數位化客戶權益
    • 與電子商務和旅遊平台建立嵌入式保險合作關係
    • 利用人工智慧實現直通式承保和理賠支付業務
    • 銀髮經濟對老年護理和長壽相關產品的需求
    • 隨著氣候風險的加劇，對參數型保險解決方案的需求正在激增。
  • 市場限制因素
    • 歐盟管理體制的碎片化阻礙了跨國業務的擴張。
    • 自2022年以來，創業投資（VC）資金籌措放緩，企業價值下降。
    • 缺乏用於訓練人工智慧模型的精算級合成數據
    • 人工智慧模型開發中數據品質和偏差問題一直存在挑戰。
  • 價值供應鏈分析
  • 監理情勢
  • 技術展望
  • 波特五力模型

第5章 市場規模與成長預測

  • 按產品線（保險類型）
    • 人壽保險
    • 健康保險
    • 產物保險（汽車、住宅、商業、責任險）
    • 專業保險（網路安全、寵物、船舶、旅遊）
  • 透過分銷管道
    • 直接面對消費者的銷售（數位銷售）
    • 聚合器/市場
    • 數位仲介/MGA
    • 嵌入式保險平台
    • 傳統代理商/仲介（相容數位化）
    • 銀行保險（數位化相容）
    • 其他頻道
  • 最終用戶
    • 零售/個人
    • 中小企業/公司
    • 大型公司/企業
    • 政府/公共部門
  • 按地區
    • 英國
    • 德國
    • 法國
    • 西班牙
    • 義大利
    • 比荷盧經濟聯盟（比利時、荷蘭、盧森堡）
    • 北歐國家（丹麥、芬蘭、冰島、挪威、瑞典）
    • 其他歐洲國家

第6章 競爭情勢

  • 市場集中度
  • 策略趨勢
  • 市佔率分析
  • 公司簡介
    • Alan
    • Zego
    • Wefox
    • Lemonade
    • Getsafe
    • Tractable
    • Shift Technology
    • FRISS
    • Qover
    • Cuvva
    • Laka
    • Cytora
    • Anorak
    • Element
    • Wakam
    • Inshur
    • Bought By Many（ManyPets）
    • Ottonova
    • Koala
    • simplesurance

第7章 市場機會與未來展望

簡介目錄
Product Code: 92407

According to Mordor Intelligence, the european insurtech market size was valued at USD 285.60 billion in 2025 and estimated to grow from USD 301.98 billion in 2026 to reach USD 399.13 billion by 2031, at a CAGR of 5.74% during the forecast period (2026-2031).

Europe Insurtech - Market - IMG1

This report is Segmented by Product Line (Life Insurance, Health Insurance, Property & Casualty, Specialty Lines), Distribution Channel (Direct-To-Consumer Digital, Aggregators/Marketplaces, and More), End User (Retail/Individual, SME/Commercial, Large Enterprise/Corporate, and More), and Geography (United Kingdom, Germany, France, and More). The Market Forecasts are Provided in Terms of Value (USD).

Europe Insurtech Market Trends and Insights

Digital-first adoption and open-insurance APIs

European consumers now expect end-to-end digital journeys for quoting, binding, servicing, and claims after pandemic lockdowns accelerated channel migration. The EU Financial Data Access law that comes into force in 2027 mandates standardized APIs, which will slash switching friction and open multi-carrier comparison on any device. Incumbents, therefore, divert larger IT budgets to customer-facing micro-services in order to preserve share. Fintech sandboxes in the United Kingdom and Netherlands shorten product-testing cycles and encourage start-ups to plug directly into core-banking ecosystems. As open insurance matures, pricing transparency will reward firms that can pipe in alternative data sets for more granular risk scoring.

Embedded insurance with e-commerce and mobility

Premium written at checkout on ride-hailing, car-subscription, and online retail platforms more than doubled from 2023 to 2024, outpacing all other distribution formats. Qover and Allianz each extended white-label programs that package motor coverage in under 60 seconds for customers buying electric vehicles. Contextual offers lift conversion and keep acquisition cost below EUR 10 per policy, far lower than comparison-site averages. Regulatory sandboxes allow rapid proof-of-concept deployment while preserving product-suitability checks mandated by the Insurance Distribution Directive. E-commerce partners now request bundled cyber and warranty policies, broadening embedded use cases beyond travel and gadget lines.

Fragmented regulations across EU member states

Insurtechs must juggle 28 licensing regimes across the EU, the United Kingdom, and EFTA, each with unique capital buffers and consumer-protection nuances. Solvency II transposition varies, so a passported license rarely removes local reporting duties. Brexit doubled compliance workload for United Kingdom-based firms that sell into Europe, forcing many to establish dual entities. EIOPA's harmonization roadmap runs to 2030, which delays relief for start-ups seeking continental reach. Larger incumbents can amortize additional governance costs, widening the resource gap and cooling competitive heat.

Other drivers and restraints analyzed in the detailed report include:

  1. Generative-AI underwriting and claims automation
  2. Climate-driven parametric coverage expansion
  3. Venture-capital pullback and valuation compression

For complete list of drivers and restraints, kindly check the Table Of Contents.

Segment Analysis

Property & casualty generated 38.05% of premium in 2025, yet specialty categories enjoy the fastest 7.34% CAGR, adding meaningful dollars to the Europe insurtech market size through 2031. Early movers leverage external telemetry, supply-chain data, and pet-health APIs to shape granular risk pools and deliver combined ratios below 90%. Life and health policy growth holds steady as e-health records speed up underwriting in Germany and France. P&C automation funnels straightforward motor and home quotes into digital funnels, while marine and cyber underwriters handle complex exposures at higher margins. The NIS2 cybersecurity mandate and pet-ownership upticks both fuel premium expansion, enhancing diversification.

Past years show similar trends. From 2020 to 2024, specialty premiums more than doubled in absolute terms, aided by cloud-native pricing engines. Insurtech fleet products, for example, price kilometer usage in real time and rebate safe-driving behaviors monthly. Specialty underwriters also tap reinsurance sidecars to manage tail risk, enabling further appetite without straining capital. Collectively, these factors keep specialty lines the core growth engine of the Europe insurtech market.

Complete Report Scope:

  • By Product Line (Insurance Type)
    • Life Insurance
    • Health Insurance
    • Property & Casualty (Motor, Home, Commercial, Liability)
    • Specialty Lines (Cyber, Pet, Marine, Travel)
  • By Distribution Channel
    • Direct-to-Consumer (Digital)
    • Aggregators / Marketplaces
    • Digital Brokers / MGAs
    • Embedded Insurance Platforms
    • Traditional Agents / Brokers (digitally enabled)
    • Bancassurance (digitally enabled)
    • Other Channels
  • By End User
    • Retail / Individual
    • SME / Commercial
    • Large Enterprise / Corporate
    • Government / Public Sector
  • By Region
    • United Kingdom
    • Germany
    • France
    • Spain
    • Italy
    • BENELUX (Belgium, Netherlands, and Luxembourg)
    • NORDICS (Denmark, Finland, Iceland, Norway, and Sweden)
    • Rest of Europe

List of Companies Covered in this Report:

  1. Alan
  2. Zego
  3. Wefox
  4. Lemonade
  5. Getsafe
  6. Tractable
  7. Shift Technology
  8. FRISS
  9. Qover
  10. Cuvva
  11. Laka
  12. Cytora
  13. Anorak
  14. Element
  15. Wakam
  16. Inshur
  17. Bought By Many (ManyPets)
  18. Ottonova
  19. Koala
  20. simplesurance

Additional Benefits:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 Introduction

  • 1.1 Study Assumptions & Market Definition
  • 1.2 Scope of the Study

2 Research Methodology

3 Executive Summary

4 Market Landscape

  • 4.1 Market Overview
  • 4.2 Market Drivers
    • 4.2.1 Rising digital-first insurance adoption post-COVID
    • 4.2.2 Regulatory push for open insurance & digital customer rights
    • 4.2.3 Embedded insurance partnerships with e-commerce & mobility platforms
    • 4.2.4 Generative-AI-driven straight-through underwriting & claims
    • 4.2.5 Silver-economy demand for eldercare & longevity products
    • 4.2.6 Surging demand for parametric insurance solutions amid escalating climate risks
  • 4.3 Market Restraints
    • 4.3.1 Fragmented EU regulatory regimes hamper cross-border scaling
    • 4.3.2 VC funding slowdown & valuation compression since 2022
    • 4.3.3 Scarcity of actuarial-grade synthetic data for AI model training
    • 4.3.4 Persistent data quality and bias challenges in AI model development
  • 4.4 Value / Supply-Chain Analysis
  • 4.5 Regulatory Landscape
  • 4.6 Technological Outlook
  • 4.7 Porter's Five Forces
    • 4.7.1 Bargaining Power of Buyers
    • 4.7.2 Bargaining Power of Suppliers
    • 4.7.3 Threat of New Entrants
    • 4.7.4 Threat of Substitutes
    • 4.7.5 Competitive Rivalry

5 Market Size & Growth Forecasts (Value)

  • 5.1 By Product Line (Insurance Type)
    • 5.1.1 Life Insurance
    • 5.1.2 Health Insurance
    • 5.1.3 Property & Casualty (Motor, Home, Commercial, Liability)
    • 5.1.4 Specialty Lines (Cyber, Pet, Marine, Travel)
  • 5.2 By Distribution Channel
    • 5.2.1 Direct-to-Consumer (Digital)
    • 5.2.2 Aggregators / Marketplaces
    • 5.2.3 Digital Brokers / MGAs
    • 5.2.4 Embedded Insurance Platforms
    • 5.2.5 Traditional Agents / Brokers (digitally enabled)
    • 5.2.6 Bancassurance (digitally enabled)
    • 5.2.7 Other Channels
  • 5.3 By End User
    • 5.3.1 Retail / Individual
    • 5.3.2 SME / Commercial
    • 5.3.3 Large Enterprise / Corporate
    • 5.3.4 Government / Public Sector
  • 5.4 By Region
    • 5.4.1 United Kingdom
    • 5.4.2 Germany
    • 5.4.3 France
    • 5.4.4 Spain
    • 5.4.5 Italy
    • 5.4.6 BENELUX (Belgium, Netherlands, and Luxembourg)
    • 5.4.7 NORDICS (Denmark, Finland, Iceland, Norway, and Sweden)
    • 5.4.8 Rest of Europe

6 Competitive Landscape

  • 6.1 Market Concentration
  • 6.2 Strategic Moves
  • 6.3 Market Share Analysis
  • 6.4 Company Profiles (includes Global level Overview, Market level overview, Core Segments, Financials as available, Strategic Information, Market Rank/Share for key companies, Products & Services, and Recent Developments)
    • 6.4.1 Alan
    • 6.4.2 Zego
    • 6.4.3 Wefox
    • 6.4.4 Lemonade
    • 6.4.5 Getsafe
    • 6.4.6 Tractable
    • 6.4.7 Shift Technology
    • 6.4.8 FRISS
    • 6.4.9 Qover
    • 6.4.10 Cuvva
    • 6.4.11 Laka
    • 6.4.12 Cytora
    • 6.4.13 Anorak
    • 6.4.14 Element
    • 6.4.15 Wakam
    • 6.4.16 Inshur
    • 6.4.17 Bought By Many (ManyPets)
    • 6.4.18 Ottonova
    • 6.4.19 Koala
    • 6.4.20 simplesurance

7 Market Opportunities & Future Outlook

  • 7.1 Embedded Insurance Solutions and Seamless Customer Integration
  • 7.2 AI and IoT Advancements and Enhanced Risk Management Strategies