Skip to main content
Join us
QES for insurance

Signed. Sealed. Onboarded.

Qualified Electronic Signatures by itsme. Same legal weight as ink. Built on the identity 8 million people in Belgium and The Netherlands already use.

Talk to a QES expert

The right signature for the right moment

Most insurance signing in Belgium and the Netherlands still runs on Advanced Electronic Signatures or SMS OTP. But the workflows where it’s the right answer are getting smaller, because three things are happening at once.

Law

Regulation

According to the EU AMLR Package 2027, the insurer needs to prove identification even when the broker acquires the customer. Only Qualified Electronic Signature provides that proof.

EasyToUse

Customer journey 

Quote, contract by email, sign later. Sometimes hours. Often days. Sometimes never. Signing is the most expensive moment to lose a potential client.

Warning

Fraud

Impersonation and forced verification have outgrown SMS OTP. The signed contract is where that exposure shows up legally.

Smartphone

A unique combination

Your digital identity works only on your smartphone, with the itsme app you’ve installed and your personal secret code. This method is called multi-factor authentication (MFA). Only you have access.

SafeSystem

A passwordless login

You don’t have to create, remember and manage a different password for every website or app. With itsme you log in everywhere without a password. Your itsme is the encrypted, secure authentication key.

PersonalData

No consent? No action

Whatever you do with itsme, you always confirm and enter your secret code yourself. That way your personal data is never shared without your consent.

 

Only the signature that matters.

QES is the right tool when legal weight, regulatory exposure, or fraud risk make a wet-signature equivalent the safe call.

UserAdd

Onboarding and underwriting under AMLR 2027

Strong identification at underwriting, bound to the signature. One identity, one contract, one audit trail.

HR

Employee benefits and group contracts

HR contracts signing for employers. Lower volume, higher stakes. QES without the full re-verification dance.

MessageDispute

Claims involving disputed value

When the amount or the circumstances are likely to be contested, the signature on the settlement protects both sides.

SignDocuments

High-value life and non-life contracts

Pension plans, business insurance, long-term policies. In case of disputes, the signature provides certainty. QES holds in every EU-court.

Beyond contract signing.

QES is not limited to contract signing. It fits across insurance workflows where identity, intent, and legal certainty matter.

Customer interactions

  • Insurance contracts

  • Contract termination

  • Pre-subscription questionnaires

Broker and partner agreements

  • Brokerage mandates

  • Distribution agreements

  • Partnership contracts

Internal and compliance flows

  • Employment contracts

  • Compliance documents

  • Internal approvals

  • GDPR consent

Smartphone

A unique combination

Your digital identity works only on your smartphone, with the itsme app you’ve installed and your personal secret code. This method is called multi-factor authentication (MFA). Only you have access.

SafeSystem

A passwordless login

You don’t have to create, remember and manage a different password for every website or app. With itsme you log in everywhere without a password. Your itsme is the encrypted, secure authentication key.

PersonalData

No consent? No action

Whatever you do with itsme, you always confirm and enter your secret code yourself. That way your personal data is never shared without your consent.

 

Four steps.
No second identity check.

64_Light_UploadDocuments
1. Upload
The document goes to a QES-enabled platform supporting itsme.
Inbox
2. Request
The platform sends the signature request.this is invisible text as a workaround to make the card full width
SignDocuments-1
3. Sign
The customer confirms in the itsme app, the identity they already use.
Certificate
4. Seal
The document is returned with a qualified timestamp and tamper-proof encryption, ready to be archived.
If you already run itsme for authentication, the identity layer is in place. Adding QES is a partner conversation, not a rebuild.

Built for what's in force. Ready for what's coming.

eidas-1
eIDAS
QES is the highest tier under eIDAS, legally equivalent to a handwritten signature across the EU. itsme is an Electronic Identification Means at Level High, which is what qualifies us to issue it. Every signature carries a qualified timestamp, tamper-proof seal, and full audit trail.
AML
AMLR 2027
The Package tightens identification expectations for regulated industries, insurance included. QES by itsme gives you eIDAS-level identity bound to the signature, with the audit trail regulators will look for.
eidas-1
FIDA
FIDA is expected to bring PSD2-grade authentication into insurance. QES by itsme already operates above that bar.
eudiw
EUDIW
The European Digital Identity Wallet shifts the EU toward identity-centric transactions. itsme is the layer that makes wallet credentials usable in real customer journeys, signing included.
Learn more in our Trust Center

Built for what's in force. Ready for what's coming. 

QES is the right tool when legal weight, regulatory exposure, or fraud risk make a wet-signature equivalent the safe call.

eidas-1

eIDAS

QES is the highest tier under eIDAS, legally equivalent to a handwritten signature across the EU. itsme is an Electronic Identification Means at Level High, which is what qualifies us to issue it. Every signature carries a qualified timestamp, tamper-proof seal, and full audit trail.

AML

AMLR 2027

The Package tightens identification expectations for regulated industries, insurance included. QES by itsme gives you eIDAS-level identity bound to the signature, with the audit trail regulators will look for.

FIDA

FIDA

FIDA is expected to bring PSD2-grade authentication into insurance. QES by itsme already operates above that bar.

eudiw

EUDIW

The European Digital Identity Wallet shifts the EU toward identity-centric transactions. itsme is the layer that makes wallet credentials usable in real customer journeys, signing included.

Smartphone

A unique combination

Your digital identity works only on your smartphone, with the itsme app you’ve installed and your personal secret code. This method is called multi-factor authentication (MFA). Only you have access.

SafeSystem

A passwordless login

You don’t have to create, remember and manage a different password for every website or app. With itsme you log in everywhere without a password. Your itsme is the encrypted, secure authentication key.

PersonalData

No consent? No action

Whatever you do with itsme, you always confirm and enter your secret code yourself. That way your personal data is never shared without your consent.

 

The signature is standard. The identity isn't.

Every qualified provider issues legally equivalent QES. What changes the outcome is the identity behind it.

itsme covers 8 million people in Belgium and the Netherlands. Over 90% of Belgian smartphone users above 16. Verified, reused, trusted. At the signing step, there's no second verification. Customers sign with the identity they use for their bank, their tax filings, their public services.

Two things follow. Conversion holds, because the signing step stops being where customers drop. And integration stays cheap, because insurers already running itsme for auth don’t rebuild, they switch QES on through the partner.

User signing User signing

Delivered through the platforms you already use.

Already on one of these? QES runs through the integration you already have. Not yet? Get in touch to discover the right fit for your workflow.

Where QES fits in your flow.

One call to discuss your use case, your current platform, and the right path forward. No strings attached.

Frequently asked questions

When is QES legally required for insurance contracts?

Belgian law requires QES for some document types, including employment contracts, consumer credit, leases, anything notarised. Most insurance contracts aren't on that list. The real question is which of your workflows make QES the right standard given the exposure. That's what the consult is for.

Will QES hurt our conversion?

The current alternative is a multi-day email-and-sign loop responsible for mayor drop-off rates. QES by itsme collapses signing into the app the customer already opens. No re-verification, no extra check, no friction added on top.

We work through brokers. Does QES apply?

Yes, especially under AMLR 2027. The insurer stays accountable at underwriting regardless of how the lead arrived. QES at that moment is one of the cleaner answers. It binds identity to signature when the contract becomes legally meaningful.

We're already on Docusign or Nitro or Penneo. What changes?

Since itsme is the identity layer on top of these platforms, the impact is minor. If you run itsme for auth today, adding QES is a configuration and contract conversation, not a new build.

AES vs QES, what's the actual difference for us?

AES proves an action happened. QES proves who took it, that the document is untouched, and when it was signed, with legal weight that holds in EU courts without further evidence. AES for the routine. QES for the contracts where dispute exposure is real.

How does QES by itsme help with GDPR?

In three ways:

  • Identity verification with full traceability supports accountability.

  • The audit trail covering identity, intent, and timestamp supports lawful processing.

  • Verifying identity without storing extra personal data supports data minimisation.