Our purpose is to make insurance human again

Insurance used to be community-based, a social good protecting you in your most vulnerable moments. Today, you buy insurance from profit-driven institutions.

Instead, we use technology to form a digital community. This digital community in insurance would often be referred to as Peer-to-Peer.

At Swarm, we call it Collective Cover. It allows you to swap out your insurer for our digital community, to give you more human Cover than ever before.

Swap your insurer for the Collective, it’s owned by you

Become a member and owner by paying your contribution for Collective Cover. It’s similar to your Insurance Premium, just much better value.

Swap your insurer for the Collective, it’s owned by you

Become a member and owner by paying your contribution for Collective Cover. It’s similar to your Insurance Premium, just much better value.

Simple claims with swift payment

Simple claims are settled swiftly. Of course, our smart fraud checks protect the Collective from fraudulent claims.

No more loopholes, you decide the complex claims

With Swarm, long lists of exclusions disappear and the Collective decides if a complex claim is fair and reasonable.

No more loopholes, you decide the complex claims

With Swarm, long lists of exclusions disappear and the Collective decides if a complex claim is fair and reasonable.

If you are a no-claimer, the cost of Cover comes down over time

We don’t have the fancy offices and clunky, old systems, we’re lean. We also don’t have to deliver a profit for the fat cats. We get to share all those savings with Swarm members.

Join the Swarm Collective Waitlist today