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  • Insurance
  • Innovation
  • United Kingdom

A Weather Insurance for Campers


  • The Insurance-as-a-Service specialist Setoo and Campings.com (campsite booking company) unveil a weather insurance offer for campers.
  • Customers would then:
    • Receive weather forecasts before their trip,
    • Automatically be sent compensation if it rains during their stay,
    • Be able to cancel and be compensated for their holiday 72 hours in advance, at no extra cost.
  • Targets: European travellers booking their holidays on Campings.com in France, Italy, Spain.
  • Setoo built a real-time Premiums calculation model based on meteorological specifics and booking periods. Their AI-powered Machine Learning system is expected to become more accurate and optimised over time.


  • Betting on Big Data. For this proactive service, Setoo uses data from Meteomatics, which specialises in providing weather data.
  • Addressing administrative hassles. Automation applied to compensation processes should contribute to improving Campings.com customer satisfaction, sparing them the trouble of going through tedious and lengthy administrative procedures.


  • Setoo raised €8 million a year ago. They were mostly supported by Kamet, AXA’s InsurTech startup studio.
  • Setoo’s model is API-based for providing highly customisable and configurable insurance offers.
  • In 2018, Covéa started working on an option based on a weather forecasting system, too.