Insurance infrastructure for every channel

Embed insurance in your brand, your app and AI assistants like ChatGPT and Claude. One platform to quote, sell and service it, from your first customer to your millionth.

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Your websiteWWayfareCheckout

Lisbon, return · 2 adults$412.00Hotel, 4 nights$520.00Travel insurance7 days · EuropeAdd $18

Your appNestlyHome

Home insuranceRenews 6 OctBuildings and contentsAccidental damage +$3/mo

Loyalty programOrbit RewardsMember

Home insuranceMembers save 10%Monthly$21.00$18.90Earn 2 points per $1+380 a yearGet my cover

AI assistantAAcme CoverIn your chat

Sort out my car insurance

console.opengroup.com/policies

PoliciesSold today 1,284BrandChannelCoverPremiumTidewellWebsitePet$14.20WayfareWebsiteTravel$18.40NestlyAppHome$24.00KiteboxWebsitePhone$9.80Orbit RewardsLoyaltyHome$18.90Acme CoverAI assistantCar$38.00LumioAppContents$11.50Pinecrest ClubLoyaltyTravel$22.10

Platform

Your websiteWWayfareCheckout

Lisbon, return · 2 adults$412.00Hotel, 4 nights$520.00Travel insurance7 days · EuropeAdd $18

Your appNestlyHome

Home insuranceRenews 6 OctBuildings and contentsAccidental damage +$3/mo

Loyalty programOrbit RewardsMember

Home insuranceMembers save 10%Monthly$21.00$18.90Earn 2 points per $1+380 a yearGet my cover

AI assistantAAcme CoverIn your chat

Sort out my car insurance

Flexible solutions for every distribution model

A complete set of insurance distribution products, designed to work on their own or together.

console.humanapproved.com/approvals

Approvals4821Search…⌘KAPIDocs

Approval for Sam TaylorDownloadCopy snapshot hash4821ApprovedAcme Travel Insurancev36

Approval

CustomerSam TaylorQuote reference?Q-30417Price$33.16Review created?9 Nov 2026, 15:05:16Quote received?9 Nov 2026, 15:05:18Approved?9 Nov 2026, 15:05:38Marketing emailsNo · 9 Nov 2026, 15:05:38Link expires?10 Nov 2026, 15:05Mobile?•••• 4444Confirmed withOne-time code by SMS to •••• 4444Bot check?HumanBought byAn AI agent, approved by the customer

What the customer sawProduct v36ReviewReceipt

Approved! Now go back to your AI assistant or quote to finish the purchase

Tell your assistant you've approved the purchase, or continue on the quote yourself.

Your approval

Approved9 Nov 2026, 3:05 pmReference4821Confirmed withCode to •••• 4444

9:41

Assistant

Can you find me cheaper car insurance? Mine renews on the 6th.

On it. I'll use the details from last year's policy schedule and compare quotes for you.

Acme Cover is cheaper: comprehensive cover for $434.06 a year. Before I can pay, they need you to check the policy and approve it here: approvals.humanapproved.com/r/rv_1c1bfa7a

Ask anything

Doneapprovals.humanapproved.comAA

Acme CoverPowered byopen

Review your policy

Your assistant wants to buy car insurance from Acme Cover for you. Here's what it covers and what's worth knowing, so you can decide.

Acme CoverComprehensive car insurance$434.06/yrStarts 6 Oct 2026 · 2022 Volvo XC40

Key exclusions

Drivers not named on the policyOnly you and Jo Taylor can drive. Anyone else isn't covered.

Commuting and business useSocial, domestic and pleasure use only. Driving to work isn't covered.

Deliveries, taxis and ride-hailingCarrying people or goods for payment isn't covered.

Alcohol or drugsNo cover if the driver is over the limit or unfit to drive.

From the Acme Cover policy wording.

What your assistant told Acme Cover

!You must answer Acme Cover's questions honestly and with reasonable care. Check every answer below is correct, even if your assistant gave it.

You

Main driverSam Taylor

Date of birth14/03/1988 (38)

Medical conditions affecting drivingNone declared

Your car

Car2022 Volvo XC40 B4

Kept overnightOn a driveway

Driving history

Claims or accidents in 5 yearsNone

Motoring convictions in 5 yearsNone

If anything here is wrong, Acme Cover could reduce or refuse a claim. Ask your assistant to fix it before you approve.

Policy documents

Policy summary (IPID)The main features and exclusions, on two pages.

Policy wordingThe full terms of your cover.

Privacy policyHow Acme Cover uses and shares your personal data.

Terms of businessWho we are, how we sell this policy and how we're paid.

Buying the policy

InsurerAcme Cover

Pay$434.06 today, card ending 4421

Starts6 October 2026

3 things to review$434.06/yr

Start review

Enter your codeWe've texted a 6-digit code to 07••• •••123.

Approve

12ABC3DEF4GHI5JKL6MNO7PQRS8TUV9WXYZ0

Acme CovernowYour Acme Cover approval code is 482190. Don't share it with anyone.

Sell through AI agents

Your products quoted and bought inside ChatGPT, Claude and your own assistant, with HumanApproved putting a person on every decision that matters.

Meet HumanApproved

Explore Open Agentic

Companion

Give every customer a companion

Voice and chat that explains cover in plain language and guides customers through their quote.

Meet Companion

Explore Open Agentic

yourbrand.com/insurance/quote

Your brandCarHomeTravelHelpStep 2 of 4

Choose your coverFor Sam Taylor's 2022 Volvo XC40, starting 6 Oct 2026.

Essentials$14/moFire and theftThird-party damage24/7 claims lineComprehensiveMost popular$21/moAccidental damageWindscreen coverCourtesy carPremium$29/moBreakdown coverLegal expensesKey replacement

Your quote

Car2022 Volvo XC40Starts6 Oct 2026

Monthly$14$21Continue

Launch your own insurance brand

Car, home, travel and landlord cover under your brand, run end to end by Open.

Explore white-label

Explore Open Embedded

Huddle

Embed Huddle, our award-winning car, home and travel insurance brand.

Meet Huddle

Explore Open Embedded

Create a digital broker

A branded marketplace with ranked offers from leading insurers.

Explore digital broker

Explore Open Embedded

Powering brands, insurers and platforms

Put insurance inside the brand your customers already trust

Open StudioOur designers and AI tools help you shape and launch your proposition faster.
Licences, if you need themUse Open's licences and underwriters, or bring your own.
Customer operations, if you need themService, claims and complaints run for you in your brand, or run them yourself.

for brands

A members-only car insurance brokerExclusive to SuperSaveClub members

TravelInsurance that takes you placesTravel, then car insurance that earns Avios

Car and home cover, from quote to claimCar and home insurance in Australia

Four products in 10 weeksCar, home, travel and landlord insurance

Connect to what you already run

Payments, CRM, claims and data feeds, plugged into your systems and your insurers, with one view of every customer.

Website

App

AI agents

CRM

Insurers

Payments

Data feeds

Claims

Platform

Website

App

AI agents

CRM

Insurers

Payments

Data feeds

Claims

Platform

Scale with confidence. Multi-product, multi-channel and multi-region, on cloud-native infrastructure.

US$30bn+: quoted premium
12: insurance partners
4: countries

Latest research

All research

Product & Technology

What new AI rules mean for insurers selling through AI agents

Product & Technology

What happened when an AI agent renewed my car insurance

Product & Technology

Customer experience was built for static screens. Insurance is about to outgrow them.

Product & Technology

Insurance is a chore. Chores get automated first.

Ready to get started?

Tell us what you want to launch and we'll show you how Open can run it.

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