Trasti and Sparados: Transforming Insurance Operations with Virtual Cards
Aktualisiert: 20. Okt.
Paper forms, policy documents kept in a drawer and slow claims reporting – that is still how many customers experience insurance. Trasti, a digital insurer, chose a different path: it uses Sparados virtual payment cards as a digital policy confirmation that customers keep in Apple Wallet or Google Wallet. This case study shows what Trasti needed, how the solution works and what it delivered.
Case Study at a Glance
Client: Trasti, a digital insurer (insurtech)
Industry: Insurance
Challenge: Complex insurance processes, paperwork and no convenient tool for presenting offers and promotions to customers
Solution: Fully branded Sparados virtual Mastercard cards that act as a digital policy confirmation in Apple Wallet or Google Wallet
Result: 3,000 digital certificates and cards issued in 6 months; half of online policy buyers downloaded the card, and claims are reported via a QR code
About the Client: Trasti
Trasti is a digital insurer (insurtech) operating under the slogan “Simply Fair”. Since its inception, the company has focused on modern solutions: instead of following the established path, it builds insurance products that are intuitive and close to the customer’s everyday life, digitizes claims handling and builds customer loyalty with its own branding.
Trasti became a Sparados customer because it was looking for a technology platform for financial management and issuing virtual Mastercard cards that could support this customer-first approach.
The Challenge: Paperwork and Long Waiting Times
The insurance industry is often associated with paperwork, complicated forms and long waiting times. Trasti wanted to stand out by simplifying customer service and building a strong, loyal relationship with its customers.
The company needed a solution that would:
Stand out in the insurance industry with an innovative, digital solution.
Simplify complex insurance processes, including customer contact and claims reporting, without paper forms.
Give customers instant access to policy information, without searching for documents or installing another app.
Present offers and promotions to customers – Trasti lacked a tool for displaying them – and build loyalty and brand strength through a channel customers use every day.
The Solution: Virtual Cards as a Digital Policy Confirmation
Trasti implemented virtual payment cards based on Sparados technology. Each card acts as a digital policy confirmation that the customer can add to a mobile wallet, such as Apple Wallet or Google Wallet. As a result, the most important insurance information is always within reach.
How It Works
The customer completes a short online form and buys a Trasti policy.
Within seconds, the customer receives a branded virtual card – a digital certificate confirming the policy.
The customer adds the card to Apple Wallet or Google Wallet – no additional app is required.
When a claim needs to be reported, the customer uses the QR code embedded in the card instead of filling in a paper form.
Trasti uses the same card to share offers and promotions, run competitions and deliver rewards.
Three Areas of Collaboration
Digital claims reporting: instead of a traditional paper form, Trasti customers receive a digital card. The embedded QR code allows instant claims reporting, which shortens and simplifies the whole process.
Modern marketing: Trasti uses the cards to share offers and promotions and to run competitions. Rewards in the form of digital cards that can be used anywhere have been very well received.
Brand enhancement: full branding on the cards and in the web application has increased Trasti’s visibility and strengthened its image as an innovative, customer-friendly company.
The Results: 3,000 Digital Cards in Six Months
Within six months, Trasti issued 3,000 digital certificates and cards to its customers. The implementation of the Sparados system has also brought other tangible benefits:
Simplicity and speed: customers complete a short online form, and the entire transaction is transferred to their digital wallet in seconds. They no longer need to search for paper documents or install additional apps, and claims can be reported faster.
Customer loyalty and satisfaction: half of the customers who purchased a policy online decided to download the virtual card, and the convenient solution has improved the customer experience.
Innovation and branding: Trasti has solidified its position as an innovative leader in the insurance industry, offering a digital solution that sets it apart from competitors.
New business opportunities: virtual cards have become a new channel of communication with customers, making it easier to promote new products and build lasting relationships.
The idea for digital claims reporting came from Trasti’s own team: as participants in car accidents, they had struggled with filling in traditional paper accident statements. The idea emerged in February 2024, after an accident in the family of board member Tomasz Kasprzak. – Tomasz Kasprzak, Member of the Management Board, Trasti, in an interview with Cashless.pl
Before and After Sparados
Aspect | Before Sparados | With Sparados |
Policy purchase and confirmation | Complex processes and paper documents | Short online form; a digital certificate lands in the mobile wallet within seconds |
Claims reporting | Paper forms | Digital reporting via a QR code on the card |
Access to policy information | Searching for paper documents | Card in Apple Wallet or Google Wallet, always at hand |
Apps to install | Additional applications | None – the card is stored in the mobile wallet |
Offers and competitions | No tool for displaying offers and promotions | Offers, promotions and competition rewards delivered via the card |
Brand presence | Paper policy documents | Fully branded cards and web application |
Why Insurers Choose Sparados
A digital policy confirmation is only one of the ways insurers use the Sparados platform. Sparados solutions for insurance companies also cover:
Insurance Digital Pass: a policy pass in Google Wallet or Apple Wallet with real-time updates, push notifications and a self-service hub with claim forms, emergency contacts and FAQs.
Instant claim settlements: once a motor or property claim is approved, a virtual card is issued to the claimant’s phone within seconds, without collecting an IBAN.
Emergency assistance payouts: funds for transport, hotels or flights delivered straight to the customer’s phone – see how Allianz Partners Polska delivers them in seconds.
Rewards for insurance sub-agents: sales bonuses paid to virtual cards within seconds of reaching a target.
Cards run on the global Mastercard network, and payment services are provided by licensed payment service providers operating in Europe. Read more about how Sparados virtual cards are changing the insurance sector.
FAQ: Virtual Cards for Insurance Customer Service
How does Trasti use Sparados virtual cards?
Trasti issues branded virtual cards that act as a digital policy confirmation. Customers add them to Apple Wallet or Google Wallet and use them to access policy information, report claims via a QR code and take part in promotions and competitions.
How does the QR code speed up claims reporting?
The QR code embedded in the card allows the customer to report a claim digitally, straight from their phone. There is no paper form to fill in, which shortens and simplifies the process.
Do customers need to install a separate app?
No. The card is added to Apple Wallet or Google Wallet, so customers can access their policy information without installing additional applications.
How many digital cards has Trasti issued?
Within six months, Trasti issued 3,000 digital certificates and cards. Half of the customers who purchased a policy online decided to download the virtual card.
Can the cards carry the insurer’s own branding?
Yes. Insurers can brand the card design, the web application where users access their cards and the email templates. Trasti uses full branding on the cards and in the app to strengthen its visibility.
Can other insurers use the same solution?
Yes. Sparados offers virtual cards and digital wallet passes for policy confirmation, claim settlements, emergency assistance and sub-agent rewards, available through a web panel or API integration with the insurer’s systems.
Bring Your Policies to Your Customers’ Phones
Trasti’s story shows that digitization and simple solutions can strengthen relationships with policyholders and bring measurable business benefits. A virtual card in the mobile wallet becomes both a policy confirmation and a direct channel to the customer.
Want similar results for your insurance company? Contact the Sparados team to book a demo.
