InShared
Digitale Dienste & Streaming
Inshared.de is a German digital-only insurer that sells private liability, household contents, bicycle, drone and dog liability policies. All products are modular, priced in the low-to-mid range and sold exclusively through the bilingual German/English online configurator; no branches or agents are used. The brand lets customers toggle individual cover elements, see the price change in real time and share up to 40 % of the remaining premium back at year-end if claims stay below a set threshold. Transparent dashboards, chat-based claims handling and a one-hour feedback promise position Inshared as “insurance you can control.” Typical buyers are 25-45-year-old urban professionals who rent flats, cycle to work and expect app-level convenience and fairness; sustainability and cost control matter more than face-to-face advice. They value the ability to turn coverage on/off monthly and the visible reward for careful behavior. Inshared competes with both incumbent direct insurers and newer insurtechs by combining incumbent-grade regulatory security with a profit-share model that traditional players do not offer, while undercutting most digital-first rivals on headline price and speed of payout.
Insurance that rewards you for staying careful
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