MOINsure (brandname Hepster) is a company from Rostock in northern Germany that develops flexible insurance solutions including a completely digital journey with contract conclusion in realtime as well as digital claims services. The product focus is on embedded insurance which includes (e-)bikes, electronics, equipment, pet and travel, with e-bike insurance being the initial growth driver and main target for the company. The company markets and operates its own insurance products, only the risk management is currently still outsourced (MGA-model).