The EU-Native
AI Insurance
Platform
PrizMova Europa is the only insurance agency management platform built ground-up for GDPR, IDD, DORA, Solvency II, and the EU AI Act — with every byte stored in Frankfurt, not Virginia.
Available in 8 EU languages. Certified for UK (FCA) and Netherlands (AFM) launch. Phase 2: Germany, France, Belgium, Ireland.
27+
EU Member States
8
EU Languages
6
Regulations Built-in
100%
EU Data Residency
GDPR Art. 6
Consent + DSAR
IDD 2016/97
D&N gate + IPID
DORA
ICT register + 4h SLA
eIDAS
SES/AdES/QES
EU AI Act
HIGH-RISK · Annex III
Solvency II
QRT reporting
100% EU-Hosted Infrastructure — No US Data Centres in the Stack
Hetzner Frankfurt
App Hosting
Supabase Frankfurt
PostgreSQL Database
EU Data Only
GDPR Art. 44–49
Anthropic EU
AI Inference Region
Brevo Paris
Email Delivery
Vonage EU
Voice (eu-west-1)
Stripe Dublin
EU Payments Entity
Cloudflare EU PoPs
CDN Routing
The Problem
Every US Insurance Platform Has the
Same EU Compliance Gap
EU insurance brokers spend on average 34% of their time on compliance tasks that US-built platforms weren't designed to handle.
US Platforms Store EU Data in Virginia
Legacy insurance tools route your clients' personal data through US data centres — a GDPR Chapter V violation waiting to happen.
IDD Compliance Is an Expensive Bolt-On
Demands & Needs assessments, IPID generation, and Art. 29 distributor disclosure are afterthoughts bolted onto US-first platforms.
No Native Multi-Language Support
Serving Dutch, German, and French clients from an English-only platform means manual translation and compliance risk.
DORA and Solvency II Require Manual Workarounds
ICT vendor registers, incident reporting timelines, and QRT submissions require expensive consultants to patch gaps.
PrizMova Europa Was Built to Solve This
We started from the EU regulations — GDPR, IDD, DORA, Solvency II, EU AI Act — and built the platform around them. Every feature, every data model, every hosting decision starts with EU compliance, not as an afterthought.
Platform Features
Every EU Regulation.
One Platform.
20 EU feature flags, 37 Prisma models, 5 compliance routers — all wired together so you can run an EU-compliant brokerage without a compliance team.
GDPR Consent Engine
Automated consent collection, DSAR processing with 30-day SLA tracking, breach notification, and data retention enforcement. Audit-ready in one click.
IDD Compliance Gate
Demands & Needs assessments before every quote. Automated IPID generation, Art. 29 remuneration disclosure, and distributor Product Oversight.
eIDAS Signatures
SES, AdES, and QES signatures across all 27 EU member states. Auto-routes to DocuSign EU, Certeurope (FR), or Namirial (IT) based on jurisdiction.
DORA ICT Register
ICT third-party vendor register, 4-hour major incident SLA monitoring, operational resilience testing, and automated DORA Board reports.
ARIA — EU AI Assistant
AI-powered correspondence drafting and IDD compliance checking in 8 EU languages. EU AI Act HIGH-RISK system with full Art. 12/13/14 transparency logging.
Multi-Currency + IPT
Insurance Premium Tax rates for 15 EU countries. Live ECB exchange rates. EUR/GBP/CHF/PLN/SEK/NOK/DKK support with automatic IPT calculation.
Solvency II Reporting
QRT (Quantitative Reporting Templates) for all EU member state regulators. Bordereau management, MGA coverholder oversight, and EIOPA feed integration.
PrizMova Voice
GDPR-compliant IVR call logging powered by Vonage EU. Automatic recording consent, ARIA call summaries, and IDD topic compliance flags per call.
EU Regulatory Coverage
Six Regulations.
All Built In. All Live.
Most platforms have a GDPR checkbox. We have six regulation-native modules with dedicated data models, workflows, and audit trails.
GDPR
General Data Protection Regulation 2016/679
- Consent management
- DSAR automation
- Breach notification
- Data retention
- Right to erasure
- Privacy by design
IDD
Insurance Distribution Directive 2016/97
- Demands & Needs gate
- IPID generation
- Remuneration disclosure
- Product oversight (POG)
- Annual review triggers
- Cross-border passporting
DORA
Digital Operational Resilience Act 2022/2554
- ICT vendor register
- 4-hour incident SLA
- Operational resilience
- DORA Board reporting
- Threat intelligence
- Subcontractor oversight
Solvency II
Directive 2009/138/EC + EIOPA
- QRT reporting templates
- SCR calculation inputs
- MCR monitoring
- ORSA indicators
- Bordereau management
- EIOPA feed integration
EU AI Act
Regulation 2024/1689 · Annex III
- HIGH-RISK classification
- Art. 12 logging
- Art. 13 transparency
- Art. 14 human oversight
- Confidence scoring
- EASA AI DB registration
eIDAS 2.0
Regulation 910/2014 + eIDAS 2 (2024/1183)
- SES · Simple signature
- AdES · Advanced
- QES · Qualified
- EU Digital Identity
- 27-country routing
- DocuSign + Namirial + Certeurope
Phase 2 adds: PRIIPS KID · MiFID II suitability · IFM directive · CSRD ESG reporting
EU Data Residency
Your Data Never
Leaves Europe
Every service in our stack — from database to CDN edge node to AI inference — runs in EU data centres. Not EU-compliant US services. Actually EU.
GDPR Chapter V Compliant
No international data transfers. No SCCs needed. No Privacy Shield risk.
Schrems II Proof
Data stored and processed exclusively in EU/EEA jurisdictions with adequate protection.
DORA Data Residency
ICT vendor register shows 100% EU-hosted providers — zero DORA residency risk.
EU-Only Architecture Decision
This wasn't a compliance checkbox — we deliberately excluded every provider that couldn't guarantee EU-only data residency, even when US options were cheaper.
Full Infrastructure Stack
App Hosting
Hetzner Cloud
Nuremberg / Falkenstein, DE
Database
Supabase PostgreSQL
eu-central-1, Frankfurt, DE
File Storage
Hetzner Object Store
eu-central, DE
CDN
Cloudflare (EU PoPs)
EU edge nodes only
Cache
Upstash Redis EU
eu-west-1
Brevo (ex-Sendinblue)
Paris, FR
Auth
Clerk EU residency
EU
Voice
Vonage EU
eu-west-1
AI (Primary)
Anthropic EU endpoint
EU inference region
AI (Fallback)
Mistral AI
Paris, FR
Payments
Stripe (Dublin IE)
EU
eSign
DocuSign EU + Namirial + Certeurope
EU
✓ 12 / 12 providers EU-hosted · ~€100/month (early stage)
Multi-Language AI
ARIA Speaks All
8 EU Languages
Every ARIA task — IDD checks, client correspondence, claim acknowledgements — runs natively in the client's language with jurisdiction-specific regulatory terminology.
English (UK)
LIVEFCA · United Kingdom
Nederlands
LIVEAFM · Netherlands
Deutsch
PHASE 2BaFin · Germany
Français
PHASE 2ACPR · France
Español
PHASE 3DGSFP · Spain
Italiano
PHASE 3IVASS · Italy
Polski
PHASE 3KNF · Poland
Svenska
PHASE 3FI · Sweden
ARIA Task Coverage
8 tasks × 8 locales = 64 optimised prompts
| Task | 🇬🇧 | 🇳🇱 | 🇩🇪 | 🇫🇷 |
|---|---|---|---|---|
| IDD Compliance | ✓ | ✓ | ✓ | ✓ |
| Client Correspondence | ✓ | ✓ | ✓ | ✓ |
| Renewal Reminder | ✓ | ✓ | ✓ | ✓ |
| DSAR Response | ✓ | ✓ | ✓ | ✓ |
+ 4 more tasks × 8 locales
Pricing
Simple EU Pricing.
No Compliance Surprises.
All plans include EU data residency, GDPR compliance, and IDD gate — because they're not optional in the EU.
Prices in EUR inc. VAT for EU businesses. UK pricing in GBP available.
Starter
Solo brokers and small agencies entering the EU market.
- Up to 250 clients
- GDPR consent + DSAR automation
- IDD D&N assessments
- eIDAS SES signatures
- 2 ARIA languages (en-GB + nl-NL)
- ECB exchange rates
- Email support
Professional
Growing brokerages needing full EU regulatory coverage.
- Up to 2,000 clients
- Everything in Starter
- DORA ICT register + incident SLA
- Solvency II QRT reporting
- eIDAS AdES + QES
- All 8 ARIA languages
- PrizMova Voice (Vonage EU)
- Multi-currency IPT calculator
- Priority support + SLA
Enterprise
MGA operators, Lloyd's syndicates, and multi-jurisdiction brokers.
- Unlimited clients
- Everything in Professional
- MGA portal + coverholder oversight
- Bordereau management
- EIOPA feed integration
- EU AI Act conformity assessment
- Custom ARIA prompts
- Dedicated EU data residency SLA
- White-label options
All plans include a 14-day free trial · No credit card required · Cancel any time
Ready to Run a Fully
EU-Compliant Brokerage?
Join EU insurance brokers who are replacing patchwork compliance workarounds with a platform built for the EU from day one. UK (FCA) and Netherlands (AFM) launch ready today.