Qivio is a fully digital insurance platform that provides liability and optional comprehensive coverage for scooters, motorcycles, electric bicycles, electric scooters, and residential property in France. Users can obtain an instant policy, manage coverage, and file claims online with transparent, asterisk‑free contracts and fast reimbursements, starting at as low as €2.90 per month.
Funding
Funding not disclosed
Founders
Product
Problem
Consumers of two‑wheel and micro‑mobility vehicles in France must obtain mandatory liability insurance, yet traditional insurers often require lengthy paperwork, high premiums, and limited coverage options, making it difficult to obtain affordable, comprehensive protection quickly.
Solution
Qivio offers a fully digital insurance platform that lets users obtain liability and optional comprehensive coverage for scooters, motorcycles, electric bicycles, electric scooters, and home insurance in minutes online. Customers receive an instant digital policy certificate and can manage their contract, adjust guarantees, and file claims through a web portal or mobile interface. The service provides transparent, asterisk‑free contracts with clear pricing starting as low as €2.90 per month for electric scooters and €3.90 per month for home insurance. Claims are processed electronically, with most reimbursements issued within 24 hours of approval. Qivio also handles the cancellation of the customer’s previous insurer, ensuring a seamless transition.
Target Audience
Individuals who own or regularly use scooters, motorcycles, electric bicycles, electric scooters, or rent/own residential property in France and seek affordable, quick, and fully digital insurance coverage.
Features
- End‑to‑end online subscription with no paper forms or document uploads required
- Flexible plan tiers (e.g., Tiers Simple, Confort, Tous risques) allowing users to select coverage levels for liability, theft, fire, natural disasters, GAP, and accidental damage
- Instant digital policy issuance and downloadable certificate upon payment confirmation
- 24/7 assistance and claim handling with online claim submission and reimbursement within 24 hours
- Transparent contracts without hidden clauses, with price adjustments and guarantee changes possible at any time via the customer portal
- Integrated cancellation service for the customer’s existing insurance contract
- Multi‑product offering covering scooters, motorcycles, electric bicycles, electric scooters, and residential property (owner‑occupied, non‑owner occupied, and rent‑guarantee)