Innovation intelligence brief
Innovation intelligence brief
Online non-life insurer that works on fair insurance.
What became of it
Completed · High confidence · Last verified 2026-10-17
As catalogued
Fully online Dutch non-life insurer by Achmea with a 'fair insurance' proposition, digital-only servicing and claims.
2026 reality
InShared is a trade name of Achmea Schadeverzekeringen N.V. and sells car, moped, motorcycle, bike, home, travel, legal, liability, accident and pet insurance online. It retains a year-end refund of unused claims money ('JaarBalans'). Achmea also runs InShared in Germany and launched it in Spain in 2025.
Expanded geographically: active in Germany for several years and launched online car insurance in Spain in January 2025 under the InShared brand, reusing the InShared platform (Romania's Anytime launch uses Interamerican's platform). The fair-insurance refund mechanism remains.
Achmea treats InShared as an exportable direct-digital platform, which distinguishes it from purely domestic incumbent online labels.
Third taxonomy
REVIEW · Verified the January 2025 Spain launch via Achmea's release and current products/JaarBalans refund on inshared.nl. Corrected the claim that Spain was built on Interamerican's platform (that applies to Romania's Anytime); replaced a terms PDF URL that returned a generic page with the official 'aanvullende informatie' document naming Achmea Schadeverzekeringen N.V.
Documented evidence
P2P Annual Reward
Online damage report
Research interpretation
Classification paths, as catalogued, connect this example to the original insurance digitalization research models.