Our products are simple but new. We've got answers to your questions
Cleverea is a digital insurance company within Property and Casualty (we do not provide neither Life nor Health insurance) with the mission of making insurance easier, more transparent and digital for your own benefits. We want to make insurance so sexy that you might even buy it as a gift 🎁 for your mum 😊, you get the idea right?.
If you are from the insurance industry or VC world, we are what is known as a tech-enabled MGA within P&C.
Cleverea is very close to an insurance company in the sense that we do manage end-to-end your whole experience: we design our own products, we price them, we distribute them and we manage your claims and complaints. Difference is we do it with ❤️ love ❤️, and having you at the center of everything we do.
In case you want to know more, we operate under a MGA model, by which we then partner with a risk-carrier, i.e. the former (re)insurance company bearing the risk of having compensations higher than the revenue generated.
Super simple, we aim to make insurance easier, more transparent and digital for you! We are proactive in telling you when you are covered and thus when you can use your insurance in order to receive your compensation.
We design every single product from scratch, having you at the center of everything we do. Thus, minimizing by all means the inherent conflict of interest of the insurance industry, that is, between insureds (you) and the insurer (Cleverea).
This the reason why our products are so simple and easy to use, with very friendly policies. We want you to understand and use your insurance!
Super simple, we trigger compensations and services both at departure and at arrival.
Yes! Cleverea covers you no matter the reason of the delay or the diversion. Your plane was abducted by aliens? Covered too. Sounds good eh? 💪
There are however some circumstances that we can’t really cover you 😔... these very specific situations are: airline bankruptcy, war or military actions and terrorist attacks affecting air traffic and airport operations. You can read all the details in your policy before purchasing any insurance product from us.
We love being proactive, so if your layover time is reduced too much due to a delay in the previous flight we will notify you and ask you whether you lost or not your connecting flight.
In case of missing your connecting flight, you’ll have to submit only the new boarding pass departing from the connecting airport.
Since we do indeed value proactivity, if your effective layover time is reduced to less than 15 minutes, we pay you right-away, no need for submitting a formal claim.
You can submit a baggage delay claim online on our website by signing in with your email address and accessing your User Dashboard. In the Policies tab of your User Dashboard you can see all your policies. If you purchased baggage coverage for any flight you will see a link to access the Baggage Claim form. Two main phases:
We work with many different partners, the most relevant are:
Our API allows our partners to offer our insurance to their clients through their own website, mobile application or software system.
Additionally, Traditional Travel Agents and Insurance Brokers can purchase our insurance through Cleverea website on behalf of their clients with a Corporate account.