Cristo and UNIQA have joined forces to launch a new, innovative, usage-based casco insurance.
Under the new partnership, UNIQA Liechtenstein will enter the market together with Cristo with a telemetric data based casco insurance that responds to changing car usage and insurance needs. Launched at the beginning of January 2023, the new innovative product was first introduced to the Hungarian insurance market. However, the partners have a joint intention to expand to other European countries in the near future.

Cristo is a car app, available since 2019, that integrates a wide range of services related to driving. Users can pay for parking, tolls and access other services through the app. In addition, a telemetric tool provides feedback on the status of their car and an assessment of their driving habits.

At the end of 2022, Cristo received a digital MGA license to launch its mileage-based casco insurance solution. Under the partnership, Cristo will handle the entire insurance process on behalf of UNIQA, from full administration, customer service, premium collection up to claims settlement.

Cristo Casco - the mileage-based insurance solution

Driving habits have changed dramatically in recent years, especially since the COVID epidemic. Rising costs, the proliferation of working from home and more conscious mobility have all contributed to the decline in car use. Customers have a legitimate expectation that insurers should offer them solutions adapted to their changing needs.

Both Cristo and UNIQA are committed to use new and innovative technologies. Cristo Casco was developed with the aim of targeting a conscious customer base with above-average risk characteristics. The available telemetric data offers further opportunities to mitigate the risk of claims by assessing driving style and customers education.

"Working with UNIQA allows us to offer a casco solution that is not only more fair than traditional insurance, but also keeps pace with changing needs, rapidly evolving technology, all tailored to the real needs of the customer. We are delighted to have found a partner in UNIQA Liechtenstein who is open to new, innovative technologies and has significant experience in cooperating with startups." shared his thoughts Szabolcs Szota, co-founder/CEO of Cristo

Thanks to Cristo's technological and insurance expertise, its growing relationships with the automotive industry, and UNIQA’s experienced team and financial backing, we can make a  significant contribution to making transportation safer.

UNIQA Liechtenstein CEO Carsten Abraham said "We are thrilled to announce our new partnership with Cristo, revolutionizing the auto insurance industry with their cutting-edge pay-as-you-drive technology. This collaboration will allow us to provide our customers with a personalized and cost-effective insurance solution, giving them the flexibility to pay only for the miles they drive. This is the future of car insurance and we are proud to be at the forefront of this change. Join us on this exciting journey towards a smarter and more sustainable way of insuring our vehicles."

About Cristo

Cristo is powered by a start-up based in Hungary, where a team with significant development and insurance experience is working to deliver innovative, modern car services.
Cristo as a car super-app that offers its users convenient features and services for their everyday driving. Our mission is to give everyone the peace of mind to sit behind the wheel and reach their destination in comfort and safety. Check out at

For more information, please contact;

Szabolcs Szota / Attila Zagyi

About UNIQA Liechtenstein

UNIQA Liechtenstein, based in Vaduz, with more than 25 years of expertise in the global risk distribution & diversification market, belongs to UNIQA Insurance Group AG in Vienna. UNIQA Liechtenstein has implemented a new business model two years ago and acts as central risk carrier for digital and alternative MGA models. Check out at

For more information, please contact;

Carsten Abraham / Walter Rasa