Own the insurance product.
✓ Underwriting✓ Product terms✓ Regulatory insurance responsibility✓ Claims decisions and settlement
FOR INSURERSReach the journey
Reach the journey
at the moment it happens.
DFKover connects licensed insurers to intercity road journeys through structured trip and passenger data captured at the point of departure.
DISTRIBUTION FLOW
01
PassengerBoards an intercity journey
02
Transport operatorCreates the trip record
03
DFKoverConnects trip data to protection
04
Licensed insurerUnderwrites the insurance product
THE DISTRIBUTION GAPThe insurance product can exist.
The insurance product can exist.
The connection to the journey may not.
Intercity road transport is fragmented across parks, operators and informal departure processes. Even where suitable insurance products exist, insurers may not have an efficient way to connect the product to the exact traveller and journey at the point of boarding.
DFKover is building that distribution and data layer rather than asking insurers to operate the transport workflow themselves.
CLEAR ROLESInsurers underwrite.
Insurers underwrite.
DFKover connects the journey.
DFKover is not an insurance company. Insurance products distributed through the platform are underwritten by licensed insurance partners.
Own the trip connection.
✓ Transport distribution workflow✓ Passenger and trip data capture✓ Policy request orchestration✓ Trip-linked operational evidence
THE INFRASTRUCTURE LAYER
Distribution with evidence attached.
Point-of-journey distribution
Connect suitable insurance products to travellers at the operational moment when a real journey is being created.
Structured trip data
Link passenger, route, driver, vehicle and departure information to the insurance workflow.
Policy issuance visibility
Track whether cover requests have been received, processed or require operational attention.
Reconciliation support
Keep trip and cover status connected so operations teams can investigate failed or incomplete issuance.
Incident evidence
Retain a structured journey record that can support incident verification and claims workflows.
Distribution infrastructure
Reach fragmented transport operators without building a separate operating system for every park.
TRIP-LINKED DATAKnow which journey
Know which journey
the policy belongs to.
The value is not simply that a policy exists. It is that the cover can be connected to a specific passenger, vehicle, driver, route and departure record.
PassengerWho travelled
TripWhich journey
RouteWhere they travelled
VehicleWhat they travelled in
DriverWho operated the journey
Cover statusWhat protection was attached
PARTNER WITH DFKOVER
Talk to DFKover →Extend insurance distribution into the journey.
Speak with us about product integration, pilot distribution and intercity transport partnerships.