Consumers often face lengthy paperwork, in‑person underwriting, and inflexible contract terms when purchasing insurance, making it difficult to obtain short‑term or subscription‑based coverage for items such as bikes, electronics, pets, travel, or liability.

hepster provides a cloud‑native insurance platform that lets users select, purchase, and manage a wide range of policies entirely online. The service offers modular contracts with monthly, yearly, or on‑demand terms, allowing customers to adapt coverage to changing needs. An integrated customer portal handles digital identity verification, automated underwriting, and real‑time policy issuance without manual intervention. Claims can be submitted 24/7 through the portal, triggering automated workflow routing and electronic document handling for faster settlement. For business partners, hepster supplies API‑based integration points that embed insurance offers directly at the point of sale or within e‑commerce checkout flows. All data exchanges are secured with end‑to‑end encryption and comply with GDPR requirements, ensuring privacy and regulatory compliance.

Fully digital onboarding with electronic ID verification and instant policy issuance

Flexible contract options: monthly subscriptions, short‑term policies, and annual plans

Comprehensive product catalog covering mobility (bike/e‑bike), electronics, pets, travel, and liability

24/7 online claims submission with automated workflow and electronic document management

Customer self‑service portal for contract adjustments, billing, and document access

RESTful API for B2B integration, enabling insurance offers at checkout or POS systems

GDPR‑compliant data storage and end‑to‑end encryption for all personal and policy information

Real‑time pricing engine that calculates premiums based on usage patterns and risk parameters

The primary customers are digitally savvy consumers in Germany, Austria, and France seeking quick, flexible insurance for personal assets, as well as online retailers and service providers that want to embed insurance products into their sales channels.