★ 4.9 on Trustpilot · 2.1M policyholders

Insurance that actually shows up when life doesn't go to plan.

Cover for your home, car, health and travels — priced fairly, explained in plain English, and paid out in days, not months.

🏠 Home🚗 Motor✈️ Travel❤️ Health
Dubai Marina, UAE
$850,000
No card required · Average quote: 90 seconds · Cancel anytime
AM Best A+ rated98.6% claims approved72h average payout
Claim #48213 approved$12,400 · paid in 2 days
★★★★★
“They just… paid.”James · London 🇬🇧
Coverage

One app. Every policy.

Mix and match cover across everything you care about — and manage it all from a single, beautiful dashboard.

Most popular

Home & Contents

Villas, apartments and everything inside them — including accidental damage and worldwide valuables cover.

from $24/moAdd cover →
5-min claims

Motor

Comprehensive cover with agency repair, instant courtesy car and zero-depreciation options.

from $39/moAdd cover →
190 countries

Travel

Annual multi-trip cover with medical up to $10M, gadget protection and airside lounge on 4h+ delays.

from $9/moAdd cover →
❤️

Health

Global private medical with direct billing at 1.2M providers — Dubai to New York, no paperwork.

from $89/moAdd cover →
🛡️

Life & Income

Term life and income protection that pays your salary if you can't work. Underwritten in minutes.

from $19/moAdd cover →
💼

Business

Liability, professional indemnity and cyber for SMEs — quoted online, bound the same day.

from $49/moAdd cover →
The 3-Day Promise

File at breakfast.
Paid by the weekend.

Our claims engine pre-approves 70% of claims instantly. A human specialist handles the rest — and you watch every step live in the app.

  • 1
    Snap & sendPhotos, receipts or a video — straight from your phone.
  • 2
    Instant assessmentAI triage plus a named human adjuster for anything complex.
  • 3
    Money in your account72-hour average payout. Track it like a food delivery.
See a Live Claim Demo
Claim #48213 — Water damageLIVE
$12,400.00
Dubai Marina apartment · Filed 14 Jul, 09:12
  • Claim submitted09:12
  • Instantly pre-approved09:13
  • Adjuster confirmed scopeTue
  • Payment processingNow
  • 4Funds in your account~Thu
78% complete · estimated payout Thursday
Why Harbourline

Old-school protection.
New-school everything else.

01

Plain-English policies

Every policy fits on one page. If a clause needs a lawyer, we rewrite it.

02

Fair pricing, always

No loyalty penalty. Renewals are re-priced with the same engine as new customers.

03

Humans in 30 seconds

24/7 phone and chat from Dubai, London and Singapore. No phone trees.

04

Give-back program

Unclaimed premium pool: 5% of surplus goes to causes our members vote for.

$1.4BClaims paid to date
98.6%Claims approved
72hAverage payout time
2.1MPolicyholders in 40 countries
Trust & Compliance

Regulated. Rated. Rock-solid.

Backed by global reinsurers and audited continuously — so a promise made is a promise kept.

🏛
FCARegulated · UK
🏙
DFSARegulated · DIFC
AM Best A+Financial strength
SOC 2Type II
🔒
PCI-DSSLevel 1
🇪🇺
GDPRCompliant
Real Stories

2.1 million members.
Zero fine print surprises.

★★★★★

“Burst pipe on a Friday night. Claim filed from my sofa, assessor video-called Saturday, money landed Tuesday. I've told everyone.”

PW
Priya Wadhwa 🇦🇪Home cover · Dubai Marina
★★★★★

“My old insurer took 11 weeks on a fender bender. Harbourline had a courtesy car at my door the same afternoon.”

TM
Tom Mercer 🇬🇧Motor cover · London
★★★★★

“Hospitalised in Singapore mid-trip. Direct billing meant I never saw an invoice. That's what insurance should be.”

LK
Lena Koh 🇸🇬Travel + Health · Singapore
Simple Plans

Bundle up. Save 25%.

Start with one cover or protect everything at once. Monthly rolling — cancel whenever.

Essential
$24/mo

Solid single-line cover for renters and first-timers.

  • Home contents up to $50k
  • 24/7 emergency helpline
  • App-based claims
  • Worldwide theft cover
Choose Essential
Comfort
$79/mo

Home + motor + travel bundled. Our members' favourite.

  • Everything in Essential
  • Comprehensive motor, agency repair
  • Annual multi-trip travel
  • 3-Day Payout Promise
  • Family cover included
Choose Comfort
Prime
$189/mo

Full-stack protection with global health and concierge.

  • Everything in Comfort
  • Global private medical
  • Life & income protection
  • Dedicated claims concierge
  • High-value items, unlimited
Choose Prime
60-Second Quote

Get covered before
your coffee goes cold.

Join 2.1 million members who stopped worrying about the fine print.