AI-Driven vehicle Inspections for underwriting and claims

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Reduce costs, prevent fraud, and win user love.

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

Industry Solutions

benefits for your business

Friendly UI

01

Deliver great
user experience

Guide your clients through an intuitive, step-by-step process to capture their vehicle’s condition using just a smartphone – anytime, anywhere.

Prevent fraud

02

Prevent Fraud
Before It Happens

Catch fraud in real time by verifying photo authenticity and matching submitted vehicle data to the policy – ensuring only genuine claims and underwriting data make it through.

Save time and cut costs

03

Save Time
AND Cut Costs

Streamline your operations with smart automation across underwriting and claims, reducing manual work and driving down operational expenses.

InstaCover solution

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

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 benefits

Make the app your own

Own the Experience,
End-to-End

Customize the full flow to reflect your brand and deliver results via API into your systems – your process, upgraded by AI.

Vehicle info mining

Capture and Verify
Vehicles Remotely

Collect complete, validated photos from customers with all key angles captured, instantly matching license plate, VIN, brand and model to policy records to prevent fraud.

Vehicle info verification

Prevent AI-Generated
or Edited Photos

Ensure every inspection photo is authentic, captured live, and free from manipulation, protecting you from costly fraud.

Vehicle damage detection

Spot Damage
in Seconds

Use real-time AI to detect and highlight visible damage, categorize its severity, and support faster underwriting and claim decisions.

Vehicle parts detection

Get Clear Insights
on Damaged Parts

Know exactly which exterior parts are affected, helping your team estimate costs and make decisions without waiting for manual inspections.

Windshield damage detection

Decide Quickly
on Windshield Repairs

Automatically assess windshield damage and get repair vs. replacement recommendations, backed by image analysis.

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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