🇪🇺 Europe's first robot insurance comparison siteHelp centreClaims hubFor partners

Compare robot insurance.
Insured in 3 minutes.

One quick form. Quotes from 12+ leading insurers. From home humanoids to industrial fleets — we compare so you don't have to.

✓12+ insurers compared ✓Free & unbiased ✓AI photo recognition ✓Policy issued same day
★★★★★4.8/5 · 12,400+ reviews on Trustpilot

Get your robot quote

AI identifies the model — quotes in seconds
📷
Upload a photo of your robot
or scan the barcode — we'll do the rest
or select manufacturer
🛡️ EU-licensedintermediary (IDD)*
🏦 12+ insurersAXA · UNIQA · Allianz · Generali…
⚡ 3 minutesfrom photo to policy
💷 Save up to €312on annual premiums**
🇪🇺 EU-27one policy, 27 countries

Popular robots we insure

Live pricing on the most-quoted models this month.

Tesla Optimus Gen 2

Tesla Optimus Gen 2

Tesla · USA · Home & factory
Height173 cm
AutonomySemi-autonomous
Comprehensive from €64/mo
1X NEO

1X NEO

1X Technologies · Norway · Home
Weight30 kg
Price€16k / €395 pm
Comprehensive from €38/mo
Figure 03

Figure 03

Figure AI · USA · Industrial
Use caseManufacturing
StatusPilot fleets
Comprehensive from €112/mo
Unitree G1

Unitree G1

Unitree · China · Research & light industrial
Units sold~5,500
Pricefrom €12k
Comprehensive from €29/mo

What would you like to insure?

Whatever robot you run — at home, in the warehouse or on the street — we'll find cover that fits.

Most popular
🏠

Home robot insurance

Humanoid helpers & companions — NEO, Optimus and more
🏭

Industrial robot insurance

Manufacturing, warehouse & logistics robots
⚖️

Robot liability cover

Third-party injury & property damage — EU AI Act ready
🚚

Robot fleet insurance

Multi-unit discounts for operators of 5+ robots
🔧

Breakdown & repair

Mechanical failure, battery cover & spare parts
🧠

Software & cyber

Hacking, malicious updates & AI malfunction
📦

Delivery robot cover

Last-mile bots on pavements & public roads
🐕

Quadruped insurance

Spot, Unitree Go2 and other four-legged robots

Why compare with InsureTheBot?

We built the first pan-European robot insurance platform — so you get real choice, not one quote.

01

AI identifies your robot

Upload a photo or scan a barcode — our AI recognises the manufacturer, model and spec instantly. No paperwork.

02

12+ insurers, one form

AXA, UNIQA, Allianz, Generali and more compete for your premium. One form, every quote, side by side.

03

AI claims, handled end-to-end

24/7 claim intake, remote AI damage assessment and fast settlement recommendations. No call centres.

04

Priced on real robot data

The first robotics loss dataset in Europe means fairer pricing by manufacturer, model and use case.

Save up to €312 a year on robot insurance**

Customers who switched via InsureTheBot in the last 12 months saved an average of €186 — and 51% saved €312 or more on comprehensive humanoid cover.

What our customers say

Rated 4.8 out of 5 from 12,400+ reviews.

★★★★★

"Uploaded a photo of our NEO, had 12 quotes before my coffee was ready. Switched from a manual broker and saved €290 a year."

Sophie M. · Home robot owner, Amsterdam
★★★★★

"We run 14 Digits in our warehouse. Fleet quote in one afternoon, and the AI claims flow settled our first incident in 48 hours."

Jonas T. · Operations Director, Munich
★★★★☆

"Finally a comparison site that actually understands robots. The liability cover options for the EU AI Act were exactly what our lawyers asked for."

Krisztina K. · Robotics start-up founder, Budapest

Robot insurance FAQs

Do I legally need robot insurance?
If your robot operates in public spaces or a workplace, liability cover is increasingly required under the EU AI Act and updated product liability rules. For home robots it's optional — but a single humanoid repair can cost €3,000+.
What does comprehensive robot cover include?
Accidental damage, theft, mechanical breakdown, battery failure, third-party liability, and software/cyber cover including malicious updates and AI malfunction. Exact cover varies by insurer — compare the feature icons on your results page.
How does the AI photo identification work?
Upload one photo or scan the barcode. Our AI matches it against 80+ humanoid and quadruped models from 19 manufacturers and pre-fills the spec — height, weight, autonomy level and typical value — so your quote takes under 3 minutes.
How are claims handled?
Through our AI claims platform: 24/7 intake, remote damage assessment from photos and telemetry, automated documentation and a payment recommendation to your insurer — who approves and pays out. Most straightforward claims settle within days.
Can I insure a fleet of robots?
Yes — fleet policies cover 5 to 5,000+ units with per-unit discounts, and cross-border cover is available across all EU-27 countries via a single group policy with FOS passporting.
🔒 Your data is encrypted
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Robot
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Usage
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Cover
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Quotes

Tell us about your robot

Pick the manufacturer and model — we pre-fill the rest from our database of 80+ robots.
✨ AI database match: select a model to see its spec
🔒 Your data is encrypted
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Robot
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Usage
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Cover
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Quotes

How do you use it?

Usage affects risk — and your price.
✨ Tip: robots with geofencing and remote kill-switch enabled qualify for up to 12% discount with 8 of our insurers.
🔒 Your data is encrypted
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Robot
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Usage
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Cover
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Quotes

Choose your cover

You can still compare all levels on the results page.
🔒 Your data is encrypted

Your quotes are ready

SORT: FILTER:
Quotes are illustrative and based on the details you provided. Final premiums are subject to insurer underwriting. InsureTheBot is free to use — we receive a commission from the insurer you choose, which never affects your price.
🔒 PCI-DSS secure checkout

Secure payment

Review your policy and pay — cover starts immediately.
🔒 Demo checkout — no real payment is processed. In production: 3-D Secure, SEPA mandate and instant policy issuance.
PARTNERS · BROKERS

Sell robot insurance — even before your market has it

Plug into Europe's first robot insurance platform as a sub-agent and offer a category-defining product to your existing client base, with zero IT investment.

1🚀

Sell products your market doesn't even have yet — with zero development cost

Robot insurance barely exists in most EU countries: local markets are too small for any single insurer to justify product development for an emerging asset class. Our cross-border EU group products, passported under Freedom of Services (FOS), change that — you can offer robot cover in your market on day one, ahead of every local competitor, even if no domestic insurer has a product.

And it costs you nothing to launch. No IT project, no product build, no underwriting negotiations, no compliance marathon. You join as a sub-agent on our platform, your advisors get access the same week, and every quote is automatically placed with the winning insurer from our panel of 12+ European carriers. You bring the client relationship — everything else is already built.

✓First-mover advantage in your national market
✓Live in days: onboarding, training and portal access included
✓Commission share on every policy, from day one
2⭐

A customer experience your clients will talk about — automated end-to-end

Your client photographs their robot; our AI recognises the manufacturer, model and spec from a database of 80+ humanoid and quadruped robots, pre-fills the risk data and returns 12+ comparable quotes in seconds. Policy documents are issued within 3 minutes of first contact. No paper forms, no call-backs, no waiting for underwriters.

The automation doesn't stop at the sale. Claims are handled by Ins3, our AI claims agent: 24/7 intake, remote damage assessment from photos and telemetry, automated documentation and a payment recommendation to the insurer — straightforward claims settle in as little as 48 hours. Your back office does nothing, and your clients experience the fastest claims process they've ever seen, under your relationship.

✓3-minute quote-to-policy, photo-based AI identification
✓E2E automation: quoting, issuance, endorsements, claims
✓Claims handled by Ins3 — a value-add you offer clients for free
3🏷️

White-label: your brand on the front, our engine underneath

For brokers who want more than a referral fee, we license the entire platform white-label: your logo, your domain, your colours — our quoting engine, insurer panel, policy administration and AI claims underneath. To your clients it's simply your new robot insurance product; to you it's a new business line without a single line of code written.

White-label partners also get co-marketing support, API access for embedding quotes into their own client portals, and priority access to new product lines (fleet, cyber, liability extensions) as we roll them out across the EU.

✓Full platform under your own brand
✓API access for your existing portals and tools
✓Priority rollout of new covers and markets

Interested? Join the broker programme

Leave your details and our partnerships team will contact you within one business day with onboarding options and commission terms.
Demo form — no data is transmitted. In production this feeds our partnerships CRM. By submitting you agree to be contacted about the partner programme.
PARTNERS · INSURERS

One product. One platform. All 27 markets.

Full EU coverage of an emerging niche — without building it 27 times. We bring the distribution, the automation and the first robotics loss data in Europe.

1🇪🇺

Full coverage of a niche market — across the entire EU, from day one

Robot insurance is the definition of a market that's too small locally and too big to ignore globally: 42% annual growth in humanoid robots, a $38B robotics market by 2028, and zero EU-wide insurance platforms serving it. Individually, no national market justifies the investment. Together, they are the next asset class.

Our platform gives you that whole market at once. One panel seat covers all 27 member states through our broker network, retail API integrations and direct channel — with no local subsidiaries, no country managers and no distribution build-out. You take the risk you want, where you want it, with per-market and per-segment controls.

✓EU-27 distribution from a single integration
✓Policy-driven demand: EU AI Act & liability reform push operators to insure
✓Granular appetite controls by country, segment and robot class
2💶

Develop the product once — not twenty-seven times

The single biggest cost of entering an emerging line is repeating product development in every jurisdiction: local wordings, local filings, local pricing, local IT. For a category that doesn't exist yet, that math never closes — which is exactly why no one has moved.

Our cross-border group product architecture, passported under Freedom of Services (FOS), lets you build one robot insurance product and sell it EU-wide. We maintain the wordings, the local compliance surface and the country-specific document generation; you own the risk and the rate. The category is being defined right now — the insurer that shapes it first gets the data moat that everyone else will have to buy.

✓One product, one filing strategy, 27 markets via FOS
✓Product development cost cut by an order of magnitude
✓First-mover pricing data: frequency & severity by manufacturer, model, use case
3☁️

Fully automated E2E — delivered as a service

The entire policy lifecycle runs on our platform: quote, bind, issue, endorse, renew and claim. Ins3, our AI claims agent, handles intake 24/7, performs remote damage assessment from photos and telemetry, assembles the documentation and issues a payment recommendation — your team only approves and disburses. Straightforward claims settle in 48 hours with near-zero loss-adjustment expense.

Commercially it's pure SaaS: no capex, no build, no integration project measured in years. You pay a subscription plus a fixed fee per claim, and you're live in weeks. Add our analytics subscription and you get the first pan-European robotics loss dataset — pricing intelligence that will not exist anywhere else.

✓Software as a Service: subscription + per-claim fee, zero capex
✓Ins3 AI claims: intake → assessment → documentation → payment recommendation
✓Analytics add-on: the first robotics claims dataset in Europe

Interested? Talk to us about a panel seat

Join AXA, UNIQA, Allianz and Generali on our panel — or launch a co-branded cross-border product. Our team will respond within one business day.
Demo form — no data is transmitted. In production this feeds our partnerships CRM. By submitting you agree to be contacted about the partner programme.
PARTNERS · RETAILERS

Turn every robot sale into recurring revenue

Embed insurance at your point of sale with one API integration — your customers get instant cover, you get a commission on every policy.

1🔌

One API integration — insurance embedded exactly where the sale happens

Insurance sells best at the moment of purchase, when the customer is already committing to a €15,000–€150,000 machine. Our lightweight REST API and drop-in checkout widget put a pre-calculated quote directly into your purchase flow — online, in-store on a tablet, or in your B2B order system.

Because you already know the exact model being sold, there's no form to fill: the quote arrives pre-filled with the robot's spec from our 80+ model database, the customer taps once to add cover, and the policy is issued before the box leaves the warehouse. Typical integration effort is measured in days — sandbox key, docs and a test environment are ready today.

✓REST API + drop-in widget, sandbox available immediately
✓Pre-filled quotes from the model data you already have
✓Works online, in-store and in B2B order flows
2💰

A new revenue line on hardware you already sell

Every policy written through your checkout earns you a commission share — recurring revenue that renews with the policy, on top of the hardware margin you're already making. No inventory, no risk carried, no service obligations: the insurance contract is between the customer and the insurer, and the entire operation runs on our platform.

Attach rates on high-value electronics insurance at point of sale routinely reach 20–40%. On a €20,000 humanoid with a €40–120/month premium, that is a meaningful, compounding income stream from customers you've already acquired.

✓Commission on every policy + renewal, paid monthly
✓Zero inventory, zero balance-sheet risk, zero servicing
✓Transparent partner dashboard with real-time attach rates
3🤝

Better post-purchase experience — your brand protected, not just the robot

When a €20,000 robot breaks and the owner has nowhere to turn, the frustration lands on the shop that sold it. With cover attached, any incident goes straight to Ins3, our AI claims agent: photo-based damage assessment, automated documentation and settlement in as little as 48 hours. Your support team never gets the angry call.

Insured customers are also better repeat customers: they upgrade sooner, buy accessories with confidence, and rate their purchase experience higher. You're not just adding a revenue line — you're removing the single biggest source of post-purchase regret in high-value robotics retail.

✓Ins3 handles every claim end-to-end, 24/7
✓Fewer support escalations, higher review scores
✓Covers all 80+ models from 19 manufacturers you may stock

Interested? Get your API sandbox key

Leave your details and we'll send API docs, a sandbox key and commission terms within one business day.
Demo form — no data is transmitted. In production this feeds our partnerships CRM. By submitting you agree to be contacted about the partner programme.
⚡ Claims settled in as little as 48h

Meet Ins3 — your AI claims assistant

24/7 intake · remote AI damage assessment · payment recommendation to your insurer
Ins3
● Online — AI claims agent
Demo flow. In production Ins3 assembles documentation and issues a payment recommendation — your insurer approves and disburses. Ins3 never holds your money.
🔒 Your data is encrypted
✓

Coverage active!

Your policy has been issued.
📧 Policy documents sent by email · Issued in under 3 minutes