With a white label digital platform for Auto insurance, sharing and leasing.

A turnkey end-to-end car insurance solution that doesn't require IT-integration.

Powered by our AI-driven premium model that price each trip driven.

Our AI correlates the driver score to a specific claims frequency for each trip driven.

For insurance carriers For consumers AI premium model

We put an end to the ever-increasing claims frequency
And we do that by using real-time data instead of historical data and replace a 100-year-old malfunctioning premium model with an inspiring and fair model where we use individual pricing instead of pooled premiums.

We make your auto insurance consumer-friendly
By gamifying it and making it a transparent and responsive insurance solution.

We digitalise your business easy
Through a turnkey with no IT-integration that gets you up and running in less than a week. The product we offer is yours entirely in the end by a white label end-to-end product that includes many different insurance solutions, including claims reporting.

Because pooled pricing fails wherever it's being used
It is repeatedly proven. Wherever pooled prices are being used, consumption is higher than with individual pricing. In apartment blocks, pooled power meters are causing 30 to 40% higher energy consumption than with individual meters. When nobody is accountable for the outcome, and when people can’t influence their situation, the incentive to save or improve is lost. That is exactly how a car insurance work today, nobody has the incentive to reduce claims costs.

A digital platform for auto insurance, sharing and leasing

We are a third party full-service provider. Our platform is a complete turnkey solution that enables you to digitalise in less than a week.


We provide full digital car insurances to the entire world, with AI-driven individually priced premium models that bring revolutionary advantages to both carriers and consumers. Enerfy, the White Labeled plug and play solution that enables traditional companies all over the world to leap-frog into digitalization in less than a week.


  • Annual premium
  • Annual cash back for safe driving
  • AI price & risk assessment per trip
  • Sticky
  • Frequent consumer communication
  • For demographics 50+


  • Annual premium
  • Monthly cash back for safe driving
  • Monthly cash back for less driving
  • AI price & risk assessment per trip
  • Sticky
  • For demographics 40+


  • Exemplify - live dynamic
  • Insurance as a service
  • Pay per mile – fixed and flexible premium
  • Lower premium per trip for safe driving
  • AI price & risk assessment per trip
  • Highly transparent
  • Gamification
  • For demographics 20+


  • Insurance package
  • Web portal
  • Vehicle & Driver overview
  • Cost per vehicle in Pareto
  • Live map for position
  • Management reports
  • Detailed reporting

CO2 is what an average driver saves by using our technology.


reference profiles collected over 13 years from over 19 countries.


tonnes of carbon dioxide emissions can be reduced globally each year with our technology.


We make insurance part of the drivers life. With our individualized premium model, we see an evident migration in driver behavior. Measurable, we see that everybody in the sample improve their behavior on the road, resulting in a 40% reduction in claims frequency. Consumers of today expect to pay for themselves and real usage.





Our Business Model

Greater Than provide an individually priced car insurance as a turn key solution for insurance carriers who wish to digitalize in order to reduce claims costs. A service that we only charge a low fixed fee for per user and month.

AI-based premium model

Our AI correlates the driver score to a claims frequency, with the help of over 325 million reference profiles. This enables an individually priced premium model that evidently changes the driver behavior leading to a 40% reduction in claims frequency.

Plug n Play insurance platform

The platform is a full digital car insurance that requires no IT integration with our customers and works with all car brands in the whole world.

Connected Car services

On top of our insurance solution, we got a library of services to make your offering unique. Car sharing and car financing among the most popular ones. Or feel free to add any third party services to the Enerfy platform.


Awarded the Climate Solver 2017 Prize by WWF