Take Control of Your Risks, Finances & Insurances

Using our Robo-Advisory Platform


Are you a broker, advisor or an insurer?

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How Does It Work?

Start with a few simple steps


You enter minimal details or connect services.


We analyze apples‑to‑apples for your situation.


See the results and take action or get in touch.


Some of our most powerful features, specifically designed to help you.

  • All-in-One Overview

    Use it as an individual or a household, share with room mates or scale out to your side gig, freelance or small business - it's up to you!

  • Scan & Dematerialize

    Take a picture of your assets, claims or scan your policies and contracts to upload it to our platform to have it analyzed and key data extracted.

  • Compare & Optimize

    We compare the products you own against the market and people in the same context, and see where to find savings or make optimizations.

  • Trusted Advisors

    Increase your knowledge with bite-sized nudges or have your questions answered by trusted advisors via the web, mobile chat or email.

  • 100% Safe & Secure

    No need to feel nervous. We work hard to keep your information and communication secure and encrypted, just as it is with your bank.

  • Excellent Support

    We designed an intuitive user experience, yet support is available should you need it.

Hublio App Screenshot

Do you want more information? Talk to us!

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For Brokers, Financial Advisors & Insurers

Regain trust and time to focus on your advice or underwriting capability. Increase efficiency, get to know your customers and be more compliant.

Bridge Digital Gaps and Expectations

Access cutting edge technology previously only available for 'insurtech' startups or large IT budgets and connect with your customers.

Know Your Customers and Their Risks

We keep track of key life events and lifestyle changes triggering insurance needs based on customer profile, social media or 3rd party data.

Increase Sales, Efficiency and Profits

We find existing gaps in your portfolio, help you acquire new customers and improve profits and efficiency of your operations.

Prepare for Merger or Acquisition

Grow your book of business or prepare to retire. The ideal tool to assess and report the value and potential of your book of business.

From Price to Advice and Prevention

Instead of working solely on price, focus on the added value of your advice and proactively work with your customers to lower their risk scores.

Compliant with Privacy and Regulation

Be compliant with the EU General Data Protection Regulation (GDPR), IDD and related legislations to protect your customers.

Do you want more information or a demo?

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Put Your Business On Autopilot

An opportunity to transform. From price to advice and prevention. Compliant with GDPR, MiFID and IDD.

Policy Gap Analysis & Review

We automate the fact finding process and analyze gaps based on customer needs and coverages.

Cloud-based SaaS and API

No need to install or maintain anything, that way everything is always up-to-date and available.

White Label Solution

Use your own brand, visuals and identity or integrate our plugins into your own website.

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Frequently Asked Questions

About our products, our services and our company.

Why are you building this?

We got frustrated with the poor customer experience and slow innovation by the incumbent insurance service providers.

Instead of complaining and waiting patiently on the sidelines, we decided to do something about it.

What makes you different?

We work together with brokers and financial advisors, instead of competing with them.

We provide a platform and API where policyholders, brokers, financial advisors and insurers can connect with each other.

What products are supported?

We started with the most common insurance lines: motor, home, health & travel insurance.

We want to additional product lines like life insurance, pensions and employee benefit plans really soon.

Can I use it offline?

It depends. We offer a cloud-based solution and you need an Internet connection to access and use it.

Some functionalities however are available for offline use, and you are able to export and download all of your data at any time.

Is my data secure?

Yes! We made security our top priority and use the best security practices and tools to protect and safeguard your data, as your bank does.

We have strict internal policies, are in line with GDPR requirements and implemented access controls that prevent unauthorized access.

Cool! Where do I sign up?

We are finishing our next version that will be available in Ireland, UK and Benelux.

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Can't find the answer to your question? No worries.

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Don't just take our word for it

Insurance and finance are in need of long-overdue innovation.
Meet some of the industry leaders and what they think needs to be done.

Constrained by their siloed cultures, major corporations and insurance providers are unable to keep up with new customer demands & digital technology.

Sabine VanderLinden Alchemy Crew / SBC InsurTech

Providers of mobile-first insurance solutions drive change in the insurance industry with a clear focus on advisory automation & service experience.

Matteo Carbone IoT Insurance Observatory

Sadly, the industry has lost its way with the evolution of mass scale personal lines in the 20th century. The insured and the insurer both chasing the same money.

Rick Huckstep The Digital Insurer

The key changes here for me are the added convenience enabled through technology and business models that have changed to deliver micro experiences.

Nigel Walsh Google

Insurance companies can see the damage done to Telecom operators by over the top messaging services such as Whatsapp.

Minh Q. Tran Mandalore Partners

We should be focusing on the insight from data via IoT and telematics combined with machine learning, artifical intelligence and cognitive computing.

Paolo Cuomo InsTech London / Brit Insurance

We receive help from these partners

Below is a selection of partners that help us build and grow.

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We built an online advisor for Ireland, UK and Benelux.

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