Aviva Insurance Ireland DAC and insureMO, a global provider of insurance middle office platforms, have announced a new partnership to deliver embedded insurance solutions across Aviva’s European business, making protection simpler, more relevant, and easier for customers to access.
The partnership combines Aviva’s insurance expertise with insureMO’s digital insurance platform to create a new embedded insurance proposition that automatically provides customers with relevant cover when they need it, without requiring them to buy, activate, and manage multiple insurance policies.
Developed by Aviva Insurance Ireland DAC and enabled by insureMO’s technology, the first implementation is now live in Norway. Through distribution partner Kvikk Forsikring, Kvikk customers automatically benefit from day-to-day travel cover while in Norway, with travel insurance activating automatically when they travel abroad. Customers do not need to notify Aviva, activate cover, or manage separate policies for different locations.
The launch supports Aviva’s strategy to expand embedded insurance solutions across Europe. By integrating insurance into partner services and customer journeys, Aviva can deliver cover at the point of need and accelerate new propositions and distribution partnerships across markets. The solution reduces complexity by automatically adjusting cover to suit customers’ needs and activities, with partners, brokers, and service teams benefiting from simpler administration and claims handling.
The initiative also creates a scalable foundation for future innovation. Using insureMO’s platform, Aviva can introduce new embedded insurance offerings, connect with partners more efficiently, and expand into new markets without significant changes to its core systems.
Claire Ryan, head of accident and health at Aviva Insurance Ireland DAC, said the proposition marked an important step forward.
“At Aviva, we’re focused on making insurance simpler, more relevant and easier for customers to access. This proposition represents an important step forward in how protection is delivered, providing accident, illness and travel cover seamlessly through trusted partner relationships,” said Ryan. “By removing unnecessary complexity and ensuring customers have the right protection when they need it, we’re creating a more intuitive insurance experience while creating a scalable foundation for future embedded insurance solutions across Europe.”
Rajat Sharma, chief revenue officer of insureMO, said the industry was moving towards embedded, ecosystem-driven experiences.
“The insurance industry is increasingly moving toward embedded, ecosystem-driven experiences. Aviva’s vision shows how insurers can improve customer experiences while modernising at speed,” said Sharma. “By decoupling innovation from core systems, insurers can launch new business models faster, scale partnerships efficiently and build future-ready digital insurance ecosystems.”
insureMO provided end-to-end capabilities, spanning product configuration, rating, policy administration, claims management, and customer servicing, in collaboration with MSG Global, insureMO’s applications partner.
