Innovation intelligence brief
Innovation intelligence brief
By driving safely you can save up to 20% on your premium
What became of it
Reviewed · Medium confidence · Last verified 2026-10-17
As catalogued
A Dutch app-based car insurance launched under Aegon's Kroodle label (created by Aegon's innovation team, first known for Facebook-based sign-up) that used smartphone driving data to give safe drivers up to 20% off their premium.
2026 reality
Kroodle (The Hague) describes itself as a provider of 'connected insurance technology and product development'. It offers CarKroodle, a connected-car app for insurers or fleet owners, and FitKroodle, a connected-health app, plus custom product development. The site does not present a consumer car-insurance offer.
Kroodle began as an Aegon innovation label and was taken over by its management in a buy-out reported in March 2018, becoming an independent insurtech. It then stopped launching insurance products under its own brand and refocused CarKroodle on lease companies and fleet managers and on white-label connected-car and connected-health solutions for insurers.
after Aegon and Kroodle agreed to part ways, the independent company lacked a carrier balance sheet and turned its telematics and health-data apps into white-label technology; management stated the aim of becoming a supplier of data-driven insurance solutions.
a small Dutch connected-insurance technology vendor with both car and health engagement apps; one of many telematics-app suppliers.
Third taxonomy
REVIEW · Verified the 2018 management buy-out from Aegon, the end of own-brand products and the B2B refocus via Emerce (2018-03-05), and confirmed kroodle.nl still presents CarKroodle and FitKroodle to insurers and fleets. Removed the placeholder 2026 milestone and changed maturity from 'established' to 'unclear' because no clients or post-2018 traction were found.
Documented evidence
Save on the premium
Understanding
Trip registration
Prevent problems
Compare your scores with others
Save on your premium
Kroodle
CarKroodle
FitKroodle
How it works
Research interpretation
Classification paths, as catalogued, connect this example to the original insurance digitalization research models.