ITC DIA Europe

DOMCURA: the new digital luggage insurance. Quality that sets standards

Written by Roger Peverelli and Reggy de Feniks - Founders The DIA Community on Oct 28, 2019

As an underwriting agent and insurance broker, the DOMCURA Group specializes in selling and developing private and commercial insurance solutions for the German financial services market. Thanks to its continuous growth and a broad sales base, consisting of over 5,000 brokers, multiple agents and financial service providers as well as broker pools and insurance portals, DOMCURA is the market leader among underwriting agents. In dialogue with insurers, brokers and customers, DOMCURA constantly develops new premium coverage concepts, setting new standards for the insurance industry.

Bright Skies is their partner, who helped them to scope, develop and launch their blockchain-based travel insurance within 5 months.

DOMCURA underlines its competence as a digital underwriting agent with the new digital luggage insurance product on blockchain basis. The company is one of the first anywhere in Europe with a viable insurance product on the basis of blockchain technology: the digital DOMCURA baggage insurance. It protects against the financial consequences of baggage being destroyed, damaged or lost.

How it works
The insurance is linked to a smartphone app, using the opportunities provided by Distributed Ledger Technology (DLT), firmly established in the banking sector, specifically the blockchain which stores sensitive customer and transaction data unalterably through a complex system of protection in its capacity as a digital trustee. A characteristic which allowed the product developers and IT specialists from DOMCURA to design specific travel insurance protection which guarantees the integrity of all travel information at all times, thereby meeting the increased demands placed on today’s mobility and data protection on terms and conditions which at the same time are fair.
This is pay-on-demand insurance which is flexibly designed to modify the sum insured and the term of the contract (daily cancellation) on an individual basis. Only the days on which the user actually requires the insurance cover are billed. The cover is automatically activated as soon as the user leaves their home zone (radius of 50 km).

While the movement coordinates determined via GPS tracking are being encoded by the smartphone and continuously stored in the blockchain, the insurer has no knowledge of the traveller’s whereabouts. Their privacy remains one hundred percent protected. Only in the event of a claim, will the customer give DOMCURA details of the day’s travel in question in order to reach a settlement.


  • Blockchain technology is used productively
  • Software defined insurance
  • Situational insurance cover, always fully automatic when traveling
  • Only the customer is able to share his geo-data
  • Ultimate encrypted data protection through keychain technology of the mobile device
  • The customer can limit the insurance sum for each journey through a slider control in his app
  • Right of daily cancellation
  • The claim report happens through the app
  • The customer approves the date of the claim out of blockchain – the DOMCURA AG receives automatically a document with the geo-data from that date
  • The customer doesn’t have to prove the journey for the claim report
  • The billing takes place after the journey and the customer only pays for the days of actual travelling
  • Audit-proof account data out of the blockchain

Why we selected DOMCURA Group for DIA Munich
DOMCURA is laying the basis for a new insurance travel-platform with a blockchain based digital luggage insurance. This is modern. Built around the customer. Insurance as it should be.
At DIA Munich Uwe Schumacher CEO DOMCURA, Kim Nis Neuhauss, CEO Bright Skies and Sven Krause, Product Manager DOMCURA will show and tell about the blockchain based travel insurance.

Check out their live demo here:​

Who is DOMCURA Group and Bright Skies GmbH?
The success story “made in Schleswig Holstein” started in 1980. Nowadays a staff of 300 at the head office in Kiel look after an annual premium volume of 300 million euros.

Bright Skies is a fast growing and independent consulting firm from Hamburg. Founded by Kim Nis Neuhauss, the industry’s first-generation cloud veteran, including VMware and Red Hat, the company has set itself the goal of building an IT consulting firm called Systemhaus 2.0 with a clear focus on cloud and end-user computing. With innovative strategies, they assist in the construction and realization of an exclusive cloud architecture.

Ingenious. Easy. Secure. Three simple words – Description of our business and our way of working… and starting point for our success.” Uwe Schumacher CEO DOMCURA

Planning, consulting, procurement, operation and sourcing: we support you with our consulting services at every stage of the lifecycle of your IT infrastructure.’  Kim Nis Neuhauss, CEO Bright Skies

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