Innovation intelligence brief
Innovation intelligence brief
Mit unserer Marke AppSichern und unser SituatiVe Plattform helfen wir Ihnen, schnell und günstig im Bereich Mobile Insurance aktiv zu werden.
What became of it
Reviewed · Low confidence · Last verified 2026-10-17
As catalogued
German platform (brand AppSichern) that let insurers and distributors launch mobile, situational, short-duration insurance quickly, alongside its own consumer day-cover policies.
2026 reality
SituatiVe GmbH (HRB 109460, Amtsgericht Saarbrücken, seat St. Ingbert, founded 2012-10-29) is listed in liquidation with a liquidator in place, with liquidator Dirk Wittling, per a company-register database. situative.com has no DNS record and appsichern.de hosts unrelated online-casino content (checked 2026-10-17).
Founded in 2012 and run from Düsseldorf by founder and managing director Lennart Wulff, SituatiVe sold short-term micro-policies under the AppSichern brand (e.g. school cover from EUR 1.49, golf under EUR 3, Oktoberfest EUR 5.99) as a 'micro-insurance enabler' with binding authority from carriers including Die Bayerische, ARAG, Würzburger and Kiln, and offered its infrastructure and product development to insurers and intermediaries. Consumer advocates (Verbraucherzentrale) criticised the cost of repeated short-term cover. The company later moved its seat to St. Ingbert and entered liquidation; the date is not established.
an early German example of situational micro-insurance and white-label 'insurance as a service'; relevant mainly as a historical reference for the limits of single-occasion cover.
Third taxonomy
REVIEW · Verified the liquidation listing (HRB 109460, liquidator named) on Implisense, the missing DNS for situative.com and the casino content on appsichern.de. Corrected prices and the carrier list against IT Finanzmagazin (2014) and changed market positioning from broker to MGA because the company sold under binding authority. Kept low confidence: the liquidation rests on a database, not a register extract.
Documented evidence
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Research interpretation
Classification paths, as catalogued, connect this example to the original insurance digitalization research models.