InsurTech apps for insurance digitalisation.

Insurance apps in Spain must comply with DGSFP (Dirección General de Seguros y Fondos de Pensiones) regulations, GDPR for personal data including special health categories, and IDD (Insurance Distribution Directive) for intermediary apps. Dribba incorporates these requirements in the Product Discovery architecture before any development begins.

AI can automatically assess damage from photos (vehicle, property), classify claim type, extract relevant policy data from documents with RAG systems, and route the claim to the right adjuster. The result is an average handling time reduced from 15 days to under 48 hours in straightforward claims — direct cost saving.

Yes. We build alternative scoring models that use behavioural data (driving behaviour via telematics, payment history, digital engagement patterns) to complement or replace traditional actuarial models. These systems require careful GDPR design to ensure lawful processing of the data — Dribba handles both the AI and the compliance architecture.

A customer-facing insurance app (policy management, claims, document repository) starts at €60,000–90,000. A full platform with distribution portal for intermediaries, AI scoring and claims automation ranges from €150,000 to €350,000 depending on the number of lines of business. See our pricing guide.