Insurance industry

Insurance Industry

Insurance companies are entering a transformative era powered by Artificial Intelligence.

As car part and labor costs rise, the need for process automation has never been more critical to protect profitability.

InstaCover helps insurers thrive in this new landscape with AI -powered vehicle inspections, streamlining underwriting and claims workflows with speed and accuracy.

Schedule a live demo

Trusted by

Generali, Generali Česká pojišťovna, Česká pojišťovna
VIG | Vienna Insurance Group
Vienna Insurance Group, Vienna Insurance, ČPP, Česká podnikatelská pojišťovna
Vienna Insurance Group, Vienna Insurance, Kooperativa
Direct pojišťovna
Wüstenrot pojišťovna
Underwriting

Underwriting

InstaCover helps you assess the condition of vehicles entering your insurance with smart, automated inspections.

01

Smart Vehicle inspection

Leverage computer vision to detect license plates, VINs, vehicle type, and pre-existing damage - delivering consistent, high-quality data straight into your systems via API.

02

automation & business rules

Automate your processes. If everything looks good, no human review is needed; if something’s off, you decide what happens next.

03

fraud
prevention

Prevent fraud and reduce early claims with real-time image verification and flexible business rules tailored to your workflows.

Claims

Claims

InstaCover helps you handle damage claims with a fast, guided, and automated process.

01

simple claim submission

Give clients an easy, familiar way to file claims – reusing the same interface they saw at underwriting. Data from driver’s license, vehicle license, and VIN is read automatically, while step-by-step guidance ensures damage is captured clearly.

02

instant damage detection

Analyze submitted photos in seconds to identify affected parts, flag pre-existing damage, and classify cases by severity for faster handling.

03

automation & business rules

Set your own claim-handling rules – automatically settle minor cases, route serious ones to your team, and apply repair or replacement logic for windshield damage. Simple for clients, efficient for you.

Windshield damage detection

Windshields

InstaCover helps you assess the condition of vehicles’ windshields entering your insurance with smart, automated inspections.

01

Smart windshield inspection

Leverage computer vision to detect license plates, VINs, vehicle type, and pre-existing or windshield damage – delivering consistent, high-quality data via API to your systems.

02

instant damage detection

Automate your processes – if everything looks good, no human review is needed; if something’s off, you decide what happens next.

03

repair OR replace decision

Prevent fraud, reduce early claims, and build your own business rules with complete flexibility.

Client Testimonials

Direct Pojišťovna

The time to process our insurance contracts has decreased from days to minutes.

Previously, the original process could be delayed by one to two business days due to discrepancies in vehicle photo documentation. We often received blurry photos or images where half the car was missing.

Now, thanks to InstaCover, we automatically receive validated photo documentation and can finalize contracts within minutes.

Michal Kozub, Director of Customer Services, Direct Pojišťovna
Michal Kozub
Director of Customer Services
Direct Pojišťovna
Read the whole story
Kooperativa

This is exactly how technology should work: seamlessly, intelligently, and with real impact on both customer experience and internal efficiency.

We’ve successfully integrated InstaCover’s AI-powered inspection process into our motor insurance flow and the results speak for themselves:

  • Pre-existing damage detected in more than 15% of cases
  • Faster, cheaper, and data-driven
  • And most importantly, a positive experience for our clients
Václav Geletič, Head of Product Management, Kooperativa, VIG
Václav Geletič
Head of Product Management
Kooperativa, VIG
Generali Česká Pojišťovna

Thanks to InstaCover, we receive verified vehicle photos automatically, speeding up the underwriting process and enabling greater automation across our workflows.

This delivers:

  • Faster contract finalization
  • Reduced time spent on manual inspections or dealing with incomplete photos
  • More efficient, scalable operations
Martin Kubenka, Process Automation Manager, Generali Česká pojišťovna
Martin Kubenka
Process Automation Manager
Generali Česká pojišťovna
ČPP

Thanks to InstaCover, we have a sophisticated tool that saves our clients both time and money, while giving us detailed data to assess risks and handle claims efficiently.

This allows us to achieve:

  • Simple photo documentation collection during the CASCO underwriting process
  • Fast and accurate damage detection powered by AI
  • A transparent and fair relationship with our clients
Miloš Velíšek, Supervisor of Car Insurance, ČPP, VIG
Miloš Velíšek
Retail Car Insurance Supervisor
ČPP, VIG

Key Metrics

400k
Inspections by InstaCover Each Year
92%
of Users Rate Their Experience as Positive
20%
Decline in Early Reported Claims
90%
Costs Reduction Compared to Physical Inspections

Our awards

start it, start it @čsob, startup winnerstart it, start it @čsob, startup winner
MOI, MOI2023, Magic of Innovation, Insurance innovation, startup insury award, startup winnerMOI, MOI2023, Magic of Innovation, Insurance innovation, startup insury award, startup winner
Mastercard bank of the year 2023, InsurtechMastercard bank of the year 2023, Insurtech

Key Functionality

Smart guide

Smart Photo Guide

Guide users to capture the right angles, with built-in checks to ensure every image meets your standards.

Quality check

Picture Quality Check

Automatically detect blur, cropping, or poor lighting so every photo is clear and usable.

GPS check

GPS Verification

Confirm photo locations with GPS to help prevent fraud.

AI vehicle check

AI Vehicle Check

Instantly assess vehicle condition, damage, and severity using computer vision.

Windshield scan

Windshield Damage Scan

Automatically detect and assess windshield cracks or chips.

Contract match

Contract Match

Match license plate, VIN, make, and model to your policy data automatically.

Car parts

Car Part Detection

Identify car parts and flag any damage for review.

Fraud prevention

check AI manipulation

Photos upload in real time to reduce risk of tampering or edits.

API integration

API Integration

Get all data instantly through a secure, reliable API.

Sounds good? let's connect!

Our Affiliates

Business Innovation Centre PilsenBusiness Innovation Centre Pilsen
Plzeňský krajPlzeňský kraj
Česká asociace umělé inteligenceČeská asociace umělé inteligence

InstaCover s.r.o. - Startup Acceleration

The Acceleration project aims to support the business and investment strategies of start-ups in foreign markets, to innovate their products and services based on international know-how, and to prepare them for foreign expansion.

Founded by the European Union | Ministerstvo průmyslu a obchodu | Národní plán obnovy | CzechInvest