About Twicover
Building the future of insurance in Africa
Twicover is a digital insurance platform connecting individuals, businesses, and institutions with trusted underwriting partners through one intelligent, straight-through system. We built Twicover because getting insured — and getting paid when something goes wrong — shouldn't require paperwork, branch visits, or weeks of back-and-forth.
Designed for East Africa and built to international standards, Twicover automates the parts of insurance that are usually slow and manual, so our underwriting partners can focus on what actually needs a human judgment call.
How we think about insurance
Digital-first, end to end
Every step — quotation, underwriting, policy issuance, payment, renewal, and claims — happens online, with no branch visit required.
Rules-based, explainable underwriting
Every risk score and premium is computed from transparent, documented rules rather than a black box, so a decision can always be explained.
Built for high-value and specialist cover
Beyond everyday personal and business lines, we specialize in jewelry, fine art, luxury watches, gold, and other assets that need expert-informed underwriting, including independent third-party valuation where it matters.
Partnered, not just platformed
Every policy is backed by an underwriting partner with real balance-sheet capacity — Twicover is the technology and the experience, not a substitute for a licensed insurer.
Where we're headed
We're expanding beyond our current personal and high-value asset lines into motor, medical, and a broader set of business and specialty products — always through the same principle: configure the product once, and let the platform handle the rest, from the first quote to the final payout.