The Spanish insurance sector has spent a decade promising to digitalise the end customer, and the insurers that pulled it off have concrete results to show: lower acquisition cost, higher retention and fewer calls to the contact centre. The ones that have not usually share a cause — they treated the app as a front end over an unchanged core system, instead of rethinking the journey the customer actually goes through.
Rastreator is one of our reference projects in the sector: an insurance comparison site with millions of active users that has to quote in real time against dozens of carriers with different APIs, heterogeneous data formats and wildly variable response times. The technical answer is not calling faster — it is quoting in parallel, degrading gracefully when a carrier times out, and showing results progressively so the user never waits on the slowest link in the chain.
Insurance distribution regulation — the IDD, transposed in Spain as the insurance distribution law — imposes specific requirements on pre-contractual information, documentation and consent logging. An app that does not implement those flows correctly is not a product with a compliance gap: it is a product that cannot be sold. That is why we build them from the first sprint rather than retrofitting them once legal reviews the release candidate.
Telematics for usage-based insurance is one of the fastest-growing areas in InsurTech. Motor cover priced on how someone actually drives — rather than on their statistical profile — shows higher retention and lower claims frequency. The engineering difficulty is not capturing sensor data: it is doing it without draining the battery, transmitting it with the privacy guarantees driving data demands, and giving the driver feedback they find useful rather than punitive.
