Post on 22-May-2020
D I S R U P T I O N T R A C K I N G | I N S U R A N C E
InsuranceDisruptionReport2016
D I S R U P T I O N T R A C K I N G | I N S U R A N C E
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“THERE’S AN UNCALCULATED COST OF INSUFFICIENT, OR EVEN ABSENT
INNOVATION”
D I S R U P T I O N T R A C K I N G | I N S U R A N C E
O V E R V I E W
It’swidelyrecognised disruptionistakingplaceacrosstheinsurancemarket.
Insurersneedtoevolvestrategies,planning andbudgetingtoconsiderarangeofeconomicscenarios.Andfindfasterwaystomeettheincreasingdemandsandchangesoftheregulatoryenvironmentdrivenbydigitalinnovation.
Mostbynowhavebuiltinternalinnovationlabs,partneredwithlocalacceleratorsandmayevenbesendingexecsovertoSiliconValley.
Butthisisnotenough.
Thisreporthasbeencreatedincollaborationwithresearchers,industrypractitionersandacceleratorsfromallovertheworld.
Itprovidesthelatestinvestmentdata,trendsandinsightsintoanumberofglobalstartupsperfectlypositionedtodisrupttheentiremarket.
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“MORE AND MORE INSURANCE IS ‘BOUGHT’ BY CUSTOMERS AS OPPOSED TO BEING ‘SOLD’ BY
AGENTS”
D I S R U P T I O N T R A C K I N G | I N S U R A N C E
I N T R O D U C T I O N
Insurersarefacinganumberofchallenges in2016.
Therearetoughnewregulatoryenvironments,ariseinpoweroftheemergingmarketsandarapidevolutionofcustomerexpectations.
Alltheseshapethesector’slonger-termfuture.Andmuchofthischange isfuelled bytechnology,with$2.65bnofVCmoneyinvestedinInsurtech in2015.
Customers(consumersandbusinesses)areincreasinglydemanding simplicity,transparency,mobilityandspeedintheirtransactions.Thisappliesequallytotheirrelationshipsandengagement withinsuranceagents, carriersandbrokers.
Moreandmoreinsuranceis‘bought’ bycustomersasopposedtobeing‘sold’byagents.Understandablyinsurersarenowbeingforcedtore-examine theirrolesandrelevancyandadaptinlightofthesechanges.
Theexpectation forbrandstoengage ata1:1levelisgreaterthaneverbeforebutthetermsofengagement areoftendynamicandunbalanced; exceptional brandexperienceandutilityarebaseline consumerexpectations.
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I N T R O D U C T I O N …
Insurersneedtogetbetterattargetingcustomersandcreatingproductandservicestomeettheirspecificneeds.Catching upwithwhat’shappening todayisnolongertoppriority- thingswillalreadyhavechanged.
Anticipationtochange iscritical,asishavingtheprocessesinplace tosourceandexperimentwithopen-innovation.Programmes ofsustainableinnovationnolongerguarantee growthandlongevity.
Disruptiveinnovationhastobemanaged alongsidecontinuousinnovation.
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“INNOVATION IS THE ONLYINSURANCE AGAINST IRRELEVANCE”
Gary Hamel - Strategos Founder
D I S R U P T I O N T R A C K I N G | I N S U R A N C E
O P T I M I S E . I N N O V A T E .A N D T H E N T H I N K B I G G E R
Technologicaladvanceshaveenabled insurerstooptimiseprocessesandoperations.Allleading togains- somemarginal,somesignificant.Butabusinessbasedoncontinuousoptimisation intoday’sworldissimplynotsustainable.
There’sanuncalculated costofinsufficient, orevenabsentinnovation.
Entireindustriesarebeingdisruptedbynew,oftenwell-fundedproductandservicesthatareabletoquicklyscaleanddisplacelong-establishedcompetitors.
Since2002,52%oftheFortune500companiesarenolongeraround;mostarenowexpected tolastnomorethananother15-20years.
Rethinkingmodels,shiftingawayfromthepoorconsumerexperiencedeeplyentrenchedwithintheinsurancemarketandembracingnewtechnologiesisamustforanyinsurer.And,aswithmanyotherindustries,hasalreadygivenrisetoanumberofnotabledisruptors.
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O P T I M I S E . I N N O V A T E .A N D T H E N T H I N K B I G G E R …
Theinvestmentmarket(bothventureandcorporate)ispouringmoneyintonew,emergentandoftendisruptivebusinessesacrosstheentireinsuranceecosystem.Thisgivesrisetowhatappearsasovernightscale,marketauthorityandsocialinfluence.
Wehaveidentifiedanumberofkeyareasofdisruptionintheinsurancespace,andidentified startupstakingthoseroutesthataregaining notorietyandexperiencingparticularlyhigh-levelsofexternalfunding:
1. OnDemandInsurance p.132. Transparency&Choice p.213. LifestyleEngagement p.294. Data&IoT p.375. SocialSolutions p.456. B2BInsurtech p.51
Whilstcustomersbenefitfromthenewarrayofpersonalised solutionsandinsurersdrivefurtherefficiencies, it’stherethinkingofthemarketplacethatwillgivebrandsacommercialfuture.
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“THE BIGGEST SHIFT IS THE TRANSFORMATION OF INSURANCE FROM A ‘CHORE’ TO A VALUED PART OF
A CONSUMER’S LIFE”
D I S R U P T I O N T R A C K I N G | I N S U R A N C E
AtTälltVentureswecombinedataanalysisofover1Mstartups,onlineresearchandin-depthworldinterviewstoprovidethelatest,accurateandin-depthinsightsintopotentialdisruptors.
Withstudioson5continentsandemployingresearchersacross14countries,weaccessinformationthatsimplycannotbesourcedelsewhere.
Wethencurateourinsights,providingclientswiththeplatformtoinspire,evadedisruptionandspotearlyacquisitionopportunities.
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ON DEMAND INSURANCE
D I S R U P T I O N T R A C K I N G | I N S U R A N C E
Mobileusersarealreadyconnecttoservicesinmanyways - whetherroadsideassistance,fooddelivery,banking ortheconnectedhome– it’sallcontrollablewiththepressofabutton.
It’snowtimefortheinsuranceindustrytocatchup.
Ondemandinsurance,whichcanbeboughtonmobileandunderwritteninseconds,isgainingmomentumandisbeginning toattractseriousattentionfrominvestors
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D I S R U P T I O N T R A C K I N G | I N S U R A N C E
CONCEPTCuvva isaniOSappthatenablestheusertobuyshort-termcarinsurancecoverwithinlessthan10minutes,solelyfromthethesmartphone.Thedriverregisterstheirdetails,thetimetheywouldliketobecoveredfor.Theyarethenpromptedtotakeaphotoofthevehicleandauthorise payment,allowingthemtodriveawayinstantly. Thecreatorsdecidedwhatanhourlongrisklookedliketoanunderwriterandthenworkedwiththeinsurer’sriskcommitteesandtheregulatortodeveloppricing.
INNOVATIONCuvva isagreatexample ofastartupengaging withitscustomerstoprovideaservicewiththeconveniencethemodernconsumerhascometoexpect.Theplatformwasbuiltfromtheground,rethinkingthe‘usual’customerjourneytoprovideamoreengaging,betterconvertingandretainingexperience.
Cuvvabelievethattheirproductsitswithinthecategoryofinsuranceproductpeoplewillwant tobuyandwillpayapremiumfortheconvenience.
COMPANYFUTURE&INVESTMENTCuvva insurancesecuredinvestmentfromAngelandSeed rounds;theirmostrecentinvestmentbeing $400kinJanuary2016.
C U V V ALondon
Cuvva.co
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D I S R U P T I O N T R A C K I N G | I N S U R A N C E
CONCEPTSureisamobileon-demandinsuranceappprovidingmicro-durationlifeinsurancecoverageduringflights.Theappprovidesasolutionforpeoplelookingfortravelprotectionwithouttheexpense andcomplexityofstandardlifeinsurancepolicies.
INNOVATIONTheonlineplatformiselegant andintuitive,providingaframeworkforthecompanytoexpand tootherepisodicinsuranceopportunities.Theapphasasimplemobilesign-upprocedureandfullyintegratedcustomersupport.Planscanbepurchasedupuntilthetimeofflightdepartureandareavailableuptooneyearinadvanceoftravel.
INVESTMENT&THEFUTURESureplanstorolloutworldwideservicein2016andsofarhasearlystagefunding fromventurecapitalfirmsspecialising inearly-stagetechnology-basedcompanies.
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CaliforniaSureapp.com
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D I S R U P T I O N T R A C K I N G | I N S U R A N C E
CONCEPTOrganise,Value,Protect.ThesearethethreeconsumerprocessesthatScottWalchek feltneededtobecombinedwhenhecreatedtheworld’sonlyon-demandinsuranceplatformforthethingsyouown.Themobileappautomaticallyorganises informationaboutthethingspeople arebuying,includingreceiptsandmarketvalues,andstoresitsecurelyinthecloud.
HOWARETHEYINNOVATING?Trov userscanquicklyaccessdetailsabouttheir‘things’whentheyneedthem–particularlyimportantintheeventofaninsuranceclaim.Thecompanyhaspartneredwithproprietarydatasourcestomakesourcingreal-timevalueforcommonitemsnear-instantandpainless.
INVESTMENT&THEFUTURETrov havepartneredwithSunCorp,Australia’sleading insurer,toaddthe‘protect’layertotheirplatformandallowuserstoswitchtheiritemprotectiononandoffattheswipeofafinger.Theyhopetorollthisfeatureoutin2016.TheirmostrecentfundingwasfromtheAnthemis Groupinearly2015.
T R O VCaliforniaTrov.com
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CONCEPTBimaAFYA isamobilemicro-healthinsuranceproductinTanzaniaspecificallytargetingtheeconomicallydisadvantaged. Theplatformallowstheusertomakeenquiries,registerapolicy,selectaffordable cover,makepaymentforthepremiumviamobilemoneyandaccessthebimaAFYA benefitwalletviathemobilephone.
HOWARETHEYINNOVATING?Thestartupisprovidingacompletelypaperlessservicewhichcanbecompletedonanydeviceconnectedtotheinternet.Theyhavedesignedmonthly,tri-monthly,quarterlyandyearlypackstoenable theaverageTanzanian pickanaffordable policythatfallswithintheirincomeatthatparticulartime.Theservicewasdesignedtoalleviatetheissuesofthedynamicincomeofthetargetpopulation.
INVESTMENT&THEFUTUREWithonly12%oftheTanzanianpopulationhavinghealthinsurance– bimaAFYA isprovidingthelongsoughtsolutiontotheremaining 88%ofthepopulationthroughinnovation.Digital integrationcompanyEdgePoint,thecompanyspear-heading thepartnershipdevelopingtheproduct,arehopingtofinalizesimilarstrategicpartnershipsinGhana,Nigeria,Malawi,CongoandotherAfricancountries.
BimaAFYA waschosentobeapartofthe2016StartupBootcampAcceleratorwhichrunsuntilApril.Otherthanthattheyhavereceivednodisclosedoutsideinvestmentsofar.
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TanzaniaEdgepointtz.com/bima
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D I S R U P T I O N T R A C K I N G | I N S U R A N C E
CONCEPTKasko isaGermanstartupprovidingwhitelabel platform(websiteandapp)fordigitalbusinessestosellinsuranceproductsandservices.
HOWARETHEYINNOVATING?Thestartupallowstheircustomerstosellinsuranceproductsatthepoint-of-demandusingapluginorAPI.Theirfocusisonprovidingflexibleinsurancetoallowcompaniestoprovidetheircustomerswithsimpleshorttermpolicies.
Thestartupprovidesanumberofinsuranceoptionsfortestdrivercoverage,carrentalcompanies,carandcampersharing,andflexible travelinsurancetoname afew.ThecompanyoffersanumberofintegrationoptionsrangingfromasimplewebsitelinktofulliFrame integration.
INVESTMENT&THEFUTUREFoundedbackinJanuary2015,Kasko hasmade astrongimpressionontheInsurtechspace.Thestartupparticipatedinthe Seedcamp incubatorbackinMay2015.Theyreceivedequityfundingof$15.04kinDecember2015andwerepickedasoneof16insurancetechstartupstowatchin2016byInsuranceNetworkingNews.
K A S K O
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GermanyKasko.io
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O N E S T O W A T C H …
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Tokio Marine- Japanese insurancegroupoffering aselectionofondemand insuranceproducts.
BerkshireHathaway– UStravelinsuranceprovidercreatingon
demand flightinsurance.
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TRANSPARENCY & CHOICE
D I S R U P T I O N T R A C K I N G | I N S U R A N C E
Insurersmustnowacknowledgethatintoday’sconsumerlandscape thecustomerissavvyenoughto“compare”thedirectplayers.
Andwiththeinsuranceindustryhistoricallylackingtheelementoftrust,insurersmustalsoacknowledge transparencycangoalongwaytogaining andretainingcustomers.
WiththeFCAdemanding clearerproductsthatareeasiertocompare,startupswhichcantargettheoverlapoftransparencyandchoicearesettodowellin2016.
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D I S R U P T I O N T R A C K I N G | I N S U R A N C E
CONCEPTWorry+Peaceisaninsurancebrokerlookingtorebrandtheentireinsuranceprocessbyfocusingoncreatinganexperiencewhichcustomerswillwanttochooseandmostimportantlystaywith.Thecompanycouldeasilyfallbetweenseveralofourkeyareasofdisruption– butwewillgowithtransparencyandchoicefornow.
INNOVATIONFounderofWorry+Peace,James York,wasinspiredtochange thewaywelookatinsurancebycreatingaproductmoreaccessibletoadigitalgenerationofconsumers,andindoingsoreducingthestigmatisation surroundinginsurance.Thebusinessaimstoprovidetransparencyinanindustryfraughtwithmistrust.
Thestartupproduceslifestylecontentwhichuserscanrelateto,creatingaproductthatcustomerswanttoengagewith.Brandingthemselvesasthe21st Centuryinsurancebroker,Worry+Peacearefastontheirwaytocreatingtheblueprintfora‘boughtandnotsold’productwithintheindustry.
INVESTMENT&THEFUTUREIt’safamily-fundedprojectatthisstageandthecurrentfocusisverymuchongettingtheirheadsdownandbuildingoutthecurrentplatform.Theyareopentotheideaoninvestmentopportunitiesinthefuture,ifandwhentheypresentthemselves.
W O R R Y + P E A C ELondon
Worryandpeace.com
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D I S R U P T I O N T R A C K I N G | I N S U R A N C E
CONCEPTInsurify isacarinsurancecomparisoncompanywhichbillsitselfasthefastestwaytocomparequotes.Theycreatedtheplatformwiththeobjectiveofmakingtheshoppingexperience clear,simpleandintuitive,allowinguserstofinduniquerecommendationsfrommobiledevicesinminutes.Onceuserhavedownloadedtheapp,theyfillinsomepersonaldetailsandtakeapictureoftheregistrationplateonthecartheywishtoinsure.
INNOVATIONIt’sthealgorithm– theAI,asfounderZacharia describesit,thatmakesInsurify standout.Thetechnologyusedisproprietaryandincorporates‘conversationalcommerce’,theuseofnaturallanguage interfacestomaketheuserfeelliketheyareliterallyconversingwiththeproduct.Thecompany’saimistobridgethegapbetweendigitallyfocusedconsumersandinsurers,byaddingthisnewconversationlayerofinteraction.
INVESTMENT&THEFUTUREInsurify veryrecentlyreceiveda$2mseedinvestmentfromarelativelyquietventurecapitalfirm.Withtheproductstillinbetaphase,thecompanyhopetorolloutusagein2016.
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CambridgeMAInsurify.com
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D I S R U P T I O N T R A C K I N G | I N S U R A N C E
CONCEPTGiveSurance isafundingplatformthatenables insurerstomakerecurringdonationstocharitiesthroughtheirexistinginsurancepaymentsystems.Thestartuphelpscharitiesandnon-profitorganisationsconvertthepreferencesoftheirsupportbaseintoanewrevenuestream.
INNOVATIONThestartupgivesapercentage oftheinsurancepaymentbacktotheuserintheformofa5%‘donationcredit’.Thiscanthenredeemedwithanyoftheparticipatingcharities.
INVESTMENT&THEFUTUREThecompanywasbornoutof500StartupsinApril2014,thestartupacceleratorprograminSanFrancisco.Theyhavesincereceivedsmallinvestmentsin3seedroundstakingtheirinvestmenttotalto$1m.
G I V E S U R A N C ECalifornia
Givesurance.org
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D I S R U P T I O N T R A C K I N G | I N S U R A N C E
CONCEPTSimpleDisabilityInsurance(SDI)isamobileplatformthatistransformingthepaper-intensive,high-touchpointdisabilityinsuranceprocessintoano-effort,fully-electronicsystem.Thestartupareusingdataanalyticstodefinetargetmarketsandpersonalisemessagestomaximise conversion,creatingasimpleend-to-endexperience.
INNOVATIONSDIaretapping intoanicheinsurancemarketwhichhasbeensomewhatleftbehindininsuranceinnovation.Theyarehopingtoreducethenormal6-monthmarketing,sales,andunderwritingprocessdowntojust30minutes,atthesametimereducingworkloadandmaximising profit.
INVESTMENT&THEFUTURESDIwereinvestedatseedstagebyPlugandPlayInsuranceAcceleratorinNovember2015,andmostrecentlyhadaconvertiblenoteinvestmentof$250kfromCampOneVentures.TheyareplanningtolaunchtheirproductinQ2of2016.
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CaliforniaSimpledisability.com
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D I S R U P T I O N T R A C K I N G | I N S U R A N C E
CONCEPTStrideHealthisahealthinsurancerecommendationengine. Throughaseriesofsimplequestions,itquicklybuildsahealthprofileandafinancialforecastforyour"healthyear".Itsalgorithmthenfilterstofindthebestplanrecommendationwithpreferreddoctors,prescriptiondrugs,andeventheclinicalefficacyofallofthedoctorsincluded.
INNOVATIONTheStridehealthplatformisdesignedtobetailoredtothelifeoftheindividualandseekstoeducate consumersaboutinsuranceinthecontextofpeople’slives.Withaneyeonthemillenials,itprovidesaguidetothingslikehowtofileanappeal forout-of-networkcare,definitionsofkeyhealthinsurancevocabulary,andanexplanation oftheUSgovernment’s“metaltier”healthplanlabels.
Stridegeneratesinsuranceplanrecommendationsbasedonsalaryanddoctorstheywouldprefertostayintheirnetwork,andestimatestheamountauserwillspendeachyearinadditiontotheirmonthlypremiumpayments.
INVESTMENT&THEFUTUREInMay2015Stridereceivedinvestmentof$13mandwillsoonbesteppingintothedentalandopticalinsuranceintheUS.
S T R I D ECalifornia
Stridehealth.com
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O N E S T O W A T C H …
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CekPremi – Indonesianonlineportalthatprovidesinformationand
comparisonofinsuranceproducts.
BayZat – healthinsurancecomparisonplatformbasedinDubai.
ImpactHealth– Californiabasedcomparisonsiteforhealth insurance
packages.
CatDogFish – UKpetinsurancestartuplookingtotransparent,honestandvaluable serviceto
customers.
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LIFESTYLE ENGAGEMENT
D I S R U P T I O N T R A C K I N G | I N S U R A N C E
Weareseeingariseofinsurancestartupsdeliveringatruecustomer-firstexperience.
Thesearecompaniescreatingenvironmentswherecustomersvaluetheirrelationshipwiththeirinsurer.Theyarestartupswhoareconstantlyseekingwaystoengage theirpolicyholderswithrelevantcontentandactivitybasedreward.
Theendgoalistoidentifyandconvertaconsumergroupwhowouldratherbuy,thanbesoldto.Andofcoursetobuildastronglifetimevaluewiththeircustomers.
Developmentofinsuranceasa‘lifestyleproduct’isclearlyanopportunitytodisrupttheindustry.
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D I S R U P T I O N T R A C K I N G | I N S U R A N C E
CONCEPTBrolly isaUK-basedpersonalinsurancemanagement appandbroker,foundedbyCEOPhoebeHugh.Phoebe leftamajorinsurancecompanytotakeontheprojectofcreatingtheinsuranceconcierge,toprovidetheconvenienceandtransparencythatthemoderngenerationhavecometoexpectfromtheirinsuranceproviders.
INNOVATIONBrolly allowsuserstomanagetheirpoliciesinoneplaceandunderstandwheretheyhaveduplicateormissingcoverage. Theappwilltellyouifyou'reoverorunder-insured,andhelpscustomersmanage alltheirinsurancepoliciesinoneplace, providinginstantaccesstodocuments,prices,andcontactnumbers.
COMPANYFUTURE&INVESTMENTTheproductisstillinthebetatestingphase,andalthoughthereislittlepubliclyavailableaboutinvestmentsofar,thestartupisworkingwithintheprestigiousEntrepreneurFirstacceleratorprogramtodevelopitsproduct.
B R O L L YLondon
Heybrolly.com
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D I S R U P T I O N T R A C K I N G | I N S U R A N C E
CONCEPTWeSavvy isaEuropeandigitalplatformthatenables insurerstoengagemoreeffectivelywithpolicyholders.Thecompanyusesamobileplatformwithrewardincentivesforpolicyholders.
INNOVATIONWeSavvy usestelematics,effectiveanalytics,andriskmanagement tocreateaninsuranceproductwhichissimpleandeasytouse.Onceapolicyispurchasedcustomerscantracktheirdailyexerciseactivityandearncashpointsontheirpremiumfrom‘stepstaken’datafromtheirsmartphone,whichcanbeusedtorenewapolicyorpurchaseproductsontheWeSavvy platform.
COMPANYFUTURE&INVESTMENTWeSavvy isoneoffivestartupschosenfortheDesMoines-based100-dayprogrambeginning onFebruary9,2016andwillreceiveseedinvestmentfromGIA.Attheendoftheprogram,theplatformwillbeavailabletothepublic,andthecompanywillhavetheopportunitytopitchitsdigitalinsuranceplatformtomorethan350industryexecutivesattheannual GlobalInsuranceSymposiuminMes-Moines.
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IrelandWesavvy.com
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D I S R U P T I O N T R A C K I N G | I N S U R A N C E
CONCEPTOscarisahealthinsurancecompanythatemploystechnology,design,anddatatohumanise health care. Customerscanviewpastmedicalhistoryinasecure,socialmediatypefeed,ortypeinsymptomsandgettreatmentsuggestions.
INNOVATIONTheproductwascreatedtoaddressthefrustratingconsumerexperienced faced bymanyintheUS.Oscarhaveadoctor-on-callprogrammeallowingcustomerstoconnectwithGPsbyphonewithinanhour,andevenpaymembersupto$20amonthformeeting theirstepgoalsusingaMisfitwearablefitnesstracker.
COMPANYFUTURE&INVESTMENTInSeptember 2015,Oscarraised$32.5millionfromGoogleCapital ata$1.75billionvaluation. InJanuary2016itwasreportedthatnewfunding ledbyFidelitycouldvaluethecompanyat$3billion.TheNewJerseybasedcompanynowserve125,000customersacrossNewYork,TexasandCalifornia.
O S C A RNewYork
Hioscar.com
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D I S R U P T I O N T R A C K I N G | I N S U R A N C E
CONCEPTCircleMedical isaUSstartupenabling peopletobookprimarycaredoctorstovisitthemathomeorwork,throughtheirhealthinsurer.Brandingthemselvesasa‘concierge’ forhealthcare,CircleMedicaldeliversallthethingsyoutypicallyexpecttoreceivefromyourphysician,withtheirhealthcareprofessionalsabletovisityouwhereveryouare.
INNOVATIONUsingtheapp, customersscantheirinsurancecardtocheckforeligibilityandcoverage.Theypickadate,time,andlocationandcantrackthelocationoftheirattendingphysician.ThecompanycurrentlyacceptsAnthemBlueCross,BlueShieldofCalifornia,UnitedHealthcare,Aetna,HealthNet, andCignainsuranceplans.
COMPANYFUTURE&INVESTMENTCircleMedical raiseda$2.9millionseedround,ledbyCollaborativeFund.Newfundswillbeusedtoincreasebrandawarenessandmarketthecompany.OtherparticipantsinthisroundincludeTencent,RealVentures,KimaVentures,andYouTubecofounderJawedKarim.ThestartuparecurrentlyacceptingpatientsinSanFranciscoandarelookingtoexpand.
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CaliforniaCirclemedical.co
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D I S R U P T I O N T R A C K I N G | I N S U R A N C E
CONCEPTRiide areastartupwhichmanufacturesandsellse-bikeswiththeirowninsurancepolicyincludedinthemonthlyprice.RiidePass isaschemerunbythecompanyinwhichuserspay$79amonth,whichincludesthebikealongwiththeftanddamageinsurance.After24monthstheusergainsownershipofthebike.
INNOVATIONAlthoughthecompanymodelissimple,Riide’s packageinsurancemodeliswhatmakesitanexcitingstartupintheinsuranceindustry.Inanagewherelifestylepurchasesarebecomingmoreandmorepopular,Riide havecreatedasimpleinsurancepolicyintegratedseamlesslyintothesaleofanicheproduct.
COMPANYFUTURE&INVESTMENTRiide arepavingthewaytoproblemfocusedsolutionsforthemillenials, byprovidingaproductandinsurancepolicyinonesimplepayment,abusinessmodelwhichservesthebuyingbehaviour ofthe21st Century.Theyhavereceivedfunding from500Startupsinarecentfundingroundlatein2015.
R I I D EWashingtonRiide.com
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O N E S T O W A T C H …
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MelodyHealthInsurance– UShealthinsurancetailoredtoyourlifestyle.
Zugar Znap – UKinsuranceproviderlookingtotargetmillenials witharebrandedinsuranceexperience.
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DATA & IoT
D I S R U P T I O N T R A C K I N G | I N S U R A N C E
Fromasearlyasrecordsbegin,theinsuranceindustryhasbeenbuiltusingdatatomaketacticalandstrategicoperationaldecisions- whichcustomerstotarget,howtopricetherisk,howtoestimatethelosses,etc.
Howeveroverthecomingyearsdatawillstarttoplayanevermorecriticalrole.Largeamountsofreal-timesensordata,unstructureddatafromsocialnetworks,anddatasuchastext,voiceandvideowillneedtobecaptured.
Andassophisticatedartificial,predictiveandaugmented intelligence techniquesevolve,insurerswillstartusingthisunstructureddataacrossallaspectsofthebusinessandcustomerlifecycle.
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D I S R U P T I O N T R A C K I N G | I N S U R A N C E
CONCEPTDomotz isaconciergestyleplatformfortheconnectedhome.Inthedawnofthesmarthomerevolution,theDomotz softwarepicksupanyconnecteddevicewithanIPaddress,regardlessofthemanufacturer. Thesystemworksintandemwithallconnecteddeviceswithinthehouseholdtomonitor,generatealerts,manage powersourcesremotely,andprovidetechnicalsupportamongstotherfeatures.
INNOVATIONTheyarenowlookingtosharethedatafromthereal-time,sensor-sourcedcustomerdataandanalyticswhichthesoftwareplatformobtains,withhouseholdinsurers.
COMPANYFUTURE&INVESTMENTDomotzwasrecentlyselectedtoparticipateinStartupbootcamp’s firsteverInsureTechacceleratortodeployitsmonitoringtechnologyfortheinsurancesector.TheacceleratorstartedinJanuary2016andrunsuntilApril.
D O M O T ZLondon
domotz.com
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D I S R U P T I O N T R A C K I N G | I N S U R A N C E
CONCEPTMetromile iscurrentlytheonlypay-per-milecarinsuranceproviderintheUS.Theychargetheircustomersapremiumrelativetotheactualmilestheydrive,claimingthat65%ofdriversenduppayinghigherpremiumstosubsidisehighmileage drivers.
INNOVATIONThestartuphascreatedamobileplatformwhichusesdatafromthetelematicstechnology‘Pulse’ toprovidetheuserwithusefuldataonthingssuchascarlocationandhealth,creatingopportunitiesfore-commerceAPI’s.InterestinglythecompanyhasalsocreatedacarinsuranceoptionforUber,whichconnectsseamlesslywiththeirplatformtechnologyandprovidesasolutionofinsurancepremiumsdifferingbetweenpersonaluse,being oncall,andcarryingUber passengers.
INVESTMENT&THEFUTUREInvestmentforMetromile hasbeenquietsinceaseriesBstagein2013,howeverwithtelematicstechnologybecomingmoreandmorepopular,pay-per-milestyleinsuranceissettoprovideinsurancewithamobile-makeoverin2016.
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CaliforniaMetromile.com
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CONCEPTFitsense isadataanalyticsplatformworkingwithinsurancecompaniestoreduceinsurancepremiumsforanyonewithasmartphoneorwearable.TheFitSense analyticsplatformallowsinsurancecompaniestointegratedatafromtherapidlyevolvingspaceofwearabledeviceswithtraditionaldataalreadyavailabletothem.Thecombinationsofthesewillallowinsurerstoprovidemoreaccurateriskcalculations.
INNOVATIONThestartuphasalsocreatedaHealthEngagement Platformallowinguserstoearnrewardpointsthroughfitnessgoals,toimproveloyaltyandreduceclaims.Byengagingthecustomersandgivingthemtheabilitytoactivelyreducetheirpremiumcoststheyhopetogainhigherretentionandcustomersatisfaction.Theanalyticsplatformisdesigned toutilise datafromawiderange ofwearables andhealthtrackingsoftware.
COMPANYFUTURE&INVESTMENTFitSense werechosentobeinvolvedinStartupBootcamp’s acceleratorschemeinDecember2015,whichstartedinJanuary2016.
F I T S E N S ESingaporeFitsense.io
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D I S R U P T I O N T R A C K I N G | I N S U R A N C E
CONCEPTInasimilarveintoFitSense, Quantifyle isastartupwhichenablesyoutouseyour wellbeingdatafromwearables andprivaterecordstoearn tailoredandbetterpriced insurance.Thestartupallowscustomerstoshareexercise,dietandhealthdatafromwearabledevicesandprivaterecordswithinsurersinasafeandsecurewaythattheycontrolinexchange forcashincentives,usefulrewardsandtailoredlifeandhealthinsurance.
INNOVATIONThecompanyplacessecurityofinformationanddataattheforefrontofdesignwhencreatingtheirproduct.Thesoftwareisunderpinned byparentcompanyDigitteria’sKybe PersonalInformationManagement System,whichprovidesaconsent-drivensecurityframeworkthatputs‘private-by-design’controlsaroundpeople’sdata.
COMPANYFUTURE&INVESTMENTThereislittleinformationinregardstoinvestmentforQuantifyle, howevertheywereselectedtotakepartintheStartupBootcamp Insurtech AcceleratorwhichstartedinJanuary2016.
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LondonDiggiteria.com
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CONCEPTRoostisastartupwhichhasdevelopedapatent-pending ‘smartbattery’designedtofitmosthouseholdsmokealarms.TheRoostSmartBatteryalertshomeownersviaanappintheeventofanalarm,sotheycantakeimmediateactionwhetherhomeoraway.OwnersconnectthebatterytotheWiFi andcancontactneighbours viatheappiftheyareaway.Orsimplysnoozeanyfalsealarms.
INNOVATIONTheRoostSmartBattery’spotentialtoreducefirelosseshasattractedtheinterestofinsuranceprovidersworldwide.Byprovidingtheopportiunty topartne,Roosthopestohelpsinsurancecompaniesincreasecustomerengagement andbuildloyalty. Thetechnologyenables companiestoextendqualityengagements beyondthesimplecollectionofpremiumsandpaymentofclaims.
COMPANYFUTURE&INVESTMENTThestartuphassofarreceivedatotalof$6.48minequityinvestment,alargepartcomingfromtheirSeriesAroundwhichwascompletedinSeptember2015. OnenotableinvestorwasinsuranceproviderUSAAwhosawanopportunitytoimprovemember’slivesthroughthenewsafetytechnology.
Roostarehopingforfuturepartnershipswithotherinsurancecompanieswhoarelookingtofindnewwaystoincreasecustomerloyaltyandtrust.
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R O O S TCalifornia
Getroost.com
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O N E S T O W A T C H …
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Drox – aSingapore platformthatinsurerscanusetotrackdronesandgaininsights
intotheiroperationalcontext.
StealthHealth– USbaseddigitalradarsoftwaretomonitorhealthfromadistancewithoutwearables.
CityMile – Brazilianusage-basedinsuranceplatformtohelpinsurerscollectdata,increaseadoptionand
change driverbehavior.
AssuredRiskCover– SiliconValleyhurricaneinsurancecoverageusingtechnologyand
science,toalleviateproblemsduetodelayedclaimspayment.
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SOCIAL SOLUTIONS
D I S R U P T I O N T R A C K I N G | I N S U R A N C E
Inrecenttimeswe’veseentheriseofP2Pinsurancemodels,usingpoolsandescrowedcashtomanage claims.Theyunitepeopleinawaythatmirrorseverfamiliarplatformsthattheyoungergeneration ofinsuranceconsumersareincreasinglyaccustomedto.
Thereisalsoasocialsolutiontoinsurancebeing developedbycompanieslikeBoughtByMany,whichutilises collectivebuyingpowertoreducepolicycosts.
It’sfairtosaythere’sanelement ofdoubtastowhetherP2Pinsurancemodelswillstandthetestoftimeandsomemaystruggletoscaleintheircurrentform.Buttheopportunityfordisruptionisverymuchtherewiththecorrectmodelinplace.
SocialInsuranceisinherentlyviral.Customershaveagenuine interesttospreadthewordandrecruitotherfriends.Themodelcandrawonthebenefitsofbothsocialmediaandtraditionalinsurancetocreateasuperiorproduct.
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CONCEPTBoughtByManyisastartupwhichseekstoharnessesthecollectivebuyingpowerofgroupstonegotiate insurancedealsfrominsurersthatwouldn'totherwisebeavailabletoindividuals.Customerssignuptotheintuitivewebsiteandselectthecoveragetheydesire.Whenacriticalmassisreachedtheyapproachinsurerstonegotiatedealsfortheirmembers.
INNOVATIONBoughtByManyisanexample ofaninsurancestartupwhichhasbuilttheirinsurancepropositionfromthepolicyholderoutandcreatedarefreshingcustomer-centricplatform.TheconceptissimilartothatofP2Pinsurance,butdoesn’tbringwithitthepotentialforupsetwithinthecommunitypoolintheeventofaclaim.Savingsaremadefromcollectivebuyingpoweraloneandthecustomersneedn’trelyontheclaims(orlackthereof)ofothersinthegroupwhenconsideringmoneysaved.
INNOVATION&THEFUTUREBoughtByManyworkswithanumberoftheUK’sleading insurerssuchasMoreThan&JohnLewisInsurance.In2015theysigned anagreementwithChineseinsurerPingAntolaunchseventravelinsurancepoliciesinChinafortheonlinebroker'sfirstventureoutsidetheUK.
B O U G H T B Y M A N YLondon
Boughtbymany.com
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D I S R U P T I O N T R A C K I N G | I N S U R A N C E
CONCEPTGatheristheB2BP2Pinsurancestartuplookingtoservesmallbusinessesandprovidethemwiththesameinsurancebenefitslargecorporationsreceive.Businessescaneitherbeautomaticallyplacedinacommunitypool,selectacommunitythemselvesorstartanewoneentirelywithotherlikemindedbusinesses.
INNOVATIONThestartupcreatescaptiveinsurancecompaniesfortheircustomerssothatthebusinessesowntheinsurancecompanythemselves.Untilnow,onlylargecorporationsformedcaptivesbecausethesetupcostsaretoohighforittomakesenseforsmallbusinessestoformthem.
Withanapplicationover10xfasterthantheircompetitors,Gatherreachcustomersthroughcosteffectivechannels, usingdatadrivenmarketing,underwriting,andoperationsdecisions.
COMPANYFUTURE&INVESTMENTFoundedinDecember2014,thereisrelativelylittlepublicinformationoninvestmentintoGathersofar.HoweverastheP2Pmodelcontinuestosuccessfullydisrupttheinsurancemarket,theyareastartuptokeepaneyeonintheB2Bspace.
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MassachusettsGatherins.com
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D I S R U P T I O N T R A C K I N G | I N S U R A N C E
CONCEPTGuevaraasaP2Pcarinsuranceproviderfortheindividual.Theypoolmotorists’premiumssothatanyunusedcashattheendoftheyeargoestowardsloweringrenewalsthefollowingyear.
INNOVATIONBilledas‘socialinsurers’Guevaraclaimstobeabletosavemotoristsupto80%insuccessiveyears.Even ifyou’reinagroupwhereeveryonehasanaccident,there’sacaponpremiumssoyouneverpaymorethanyoudidinthefirstyear,providingyourcircumstancesdon’tchange.
Guevaraalsohasanappthatisusedtocollectdatafromthesceneofanaccidentandgroupshaveamessageboardtodiscusstheirclaimsandmakedecisionscollaboratively.
INVESTMENT&THEFUTUREGuevarareceiveda$400kseedinvestmentroundin2013andpubliclylaunchedinJuly2015.
G U E V A R ALondon
Heyguevara.com
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Friendsurance – OnlineP2Pinsuranceforindividualsfounded in
Berlin
Lemonade – Americantechnology-firstandlegacy-freeP2Pinsurance
carrier.
Uvamo – AmericanP2Pinsurancemarketplacefounded in2014.Setfor
rolloutin2016.
PeerCover – NewZealand basedinsuranceprovider.
InsPeer – FrenchP2Pinsuranceplatform.
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B2B INSURTECH
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OurfinalareaofdisruptionisB2Binsurancetechnology.
Inordertofixtherelationshipbetweenconsumerandinsurer,thereisaneed tospeedupallaspectsoftheinsurancejourney,bothconsumerandbusinessside.
Fromimprovingtheclaimsadjustingprocess,toprovidingriskappetitesearchenginesforbrokers– thereisaclearopportunityforinnovationinthisspace.
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CONCEPTMassUp offersainsuranceAPI andtransactionshopforsmall protectioninsurancetoB2B partners.Thestartuphascreatedawhite-labelplatform,enablingMassUppartnerstoselllowmarginfinancial productsonline.Instantlydeployableacrossalldigitalchannelsanddevices.
INNOVATIONMassUp providesawhite-labelplatformsolutionallowingpartnerstoofferover150annex andnicheinsurancestotheircustomers.Theentireprocessismanaged forthem,allowingeven-microinsurancestobecomeprofitableforinsuranceproviders.
COMPANYFUTURE&INVESTMENTThemobileplatformisreadytobeintegratedintowebsiteandsocialchannels,makingitavaluableoptionforthegrowingmarketoflifestyleproducts.Thereisnodocumentedinvestmentthusfar,howeverMassUp arepartofStartupBootcamp’sInsurtech 2016acceleratorscheme.
M A S S U PGermany
Massup.de
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D I S R U P T I O N T R A C K I N G | I N S U R A N C E
CONCEPTGravie isahealthITstartuphelpingemployersandindividualsselectinsurance.Byusingsmarttechnologyandbybuildinggoodpartnershipswithinsurancecompanies,statehealth careexchanges, banksandoutsourcers,thecompanymakesenseofsomethingthathashistoricallybeenrelativelycomplex.
INNOVATIONTheircorepropositionisemployerfocused- takingawaytheadministrativework,helping employersselectandbuycover,providingongoingcustomersupport,trouble-shootingwithhealthplans,analysisofhealthcarespending, andmanagement ofallhealthcareaffairsononecustomised platform.
INVESTMENT&THEFUTUREHavingraisedjustover$25mmid2015it’shavingnoproblemattractinginvestmentandiscurrentlyexpanding acrosstheUS.
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G R A V I EMinneapolisGravie.com
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D I S R U P T I O N T R A C K I N G | I N S U R A N C E
CONCEPTCollectiveHealthisacloud-basedself-insuranceplatformaimedatemployers.
INNOVATIONEmployerscanpickandchoseahealthcareplanpersonaltothem,underpinning itwithalevelofcustomerserviceandcarethathasnotbeenavailable inthehealthinsuranceindustrybefore.
INVESTMENT&THEFUTURETodatethey’veraisedinexcessof125mandaregettingahugeamountofpress.Itprobablyhelpsthey’rebackedbythesameinvestorsbehindAirbnb,SpaceX andPalantir.
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C O L L E C T V E H E A L T HCalifornia
Collectivehealth.com
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O N E S T O W A T C H …
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Emboker – aUSbusinessinsuranceprovider.
DigitalRisks- aUKspecialistinsuranceproviderfordigitalnative
business
Kodiak– commercialinsurancesearchengine thatkeepsagentsandbrokersup-to-dateoncarrierappetitebasedintheUS.
ArrayHealth- USonlineplatformdesigned toimprovethehealth
insurancee-commerceexperience forconsumers,employersandinsurers.
MaxwellHealth– HRtechnologyplatformcombiningthemanagementandenrollmentforemployeehealthinsuranceintooneexperience. Based
intheUS.
D I S R U P T I O N T R A C K I N G | I N S U R A N C E
“NEW TECH OFTEN COMES WITH THE LACK OF UNDERSTANDING OF REGULATORY
COMPLEXITITES.AS A RESULT IT’S DIFFICULT TO ENTER THE
MARKET EFFECTIVELY”Lee Noon, Group Digital Strategy Director, LV=
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Startupaccelerators,nowpermanentfixturesofthetechcommunity,werehardtocomebyjustafewyearsago.Buttheswellofstartupactivityinrecentyearshaspromptedahuge increaseinacceleratorschemesconstructedtofosterthesenewcomerstosuccess.
We’veidentified anumberofinternationaltechacceleratorsfocusedoninsurance.
It’simportanttonote,thatwhilstkeepinganeyeontheyieldofoneortwodominantacceleratorsisakeypartofanyinnovationprogrammeitmustbeconsideredaspartofamuchwiderstrategy.
Acceleratorschemesarenowpresentonaglobalscale,buteventheystillstruggletostayabreastofthelatesttrends.Thedynamicworldofstartupsrequiresthetrackingofglobal activity,trendsandemerging disruptorsinordertostayonestepaheadofinnovationwithintheindustry.
Notallstartupscomethroughaccelerators.Notallstartupsreceiveexternalfunding.Anddefinitely notallstartupscomefromaroundthecorner…orSiliconValley!
D I S R U P T I O N T R A C K I N G | I N S U R A N C E
TheGlobalInsuranceAcceleratorisamentor-drivenbusinessacceleratordesignedtofosterinnovationintheinsuranceindustry.Investorsareinsurancecarriers,andmentorsareprimarilyinsuranceexecutives.Theacceleratoriscomprisedofa100-dayprogramme,$40kofinvestment,andaccessto80+mentors,culminating inademoday.
Fintech Accelerator,runbyL'Atelier BNPParibasisa4-monthbusinessorientatedfintech andinsurtech accelerationprogram.StartupswillbepairedupwithaBNPParibasbusinesslinetocollaborativelyexperimentforthedurationoftheprogram.Theyreceiveupto$100infunding, alongwithcoachingandmentoringfromaninhouseCTOintheirPairsHQ.
A C C E L E R A T O R S
StartupacceleratorplatformPlugandPlayhaspartneredwithaleadinginsurancecompany.Togethertheiraimistofindthe10mostpromisingtechnologystartupstotakepartinthe3-monthprogramannually. Startupsontheprogramreceiveaccesstoawealthofresources,fundraisingopportunities,networkingopportunities,educationalworkshops,andthreemonthsoffreeofficespaceatPlugandPlay,aswellasthechancetopitchatthePlug andPlayExpoevent.
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VCinvestorsNestteamed upwithAsianinsurancegiantAIAbackin2014tolaunchastartupacceleratorbasedinHongKong.Thecloseproximitytomanufacturing hubslikeShenzhen, China anditssmallbutgrowingstartupecosystem,makesitafertilegrowinggroundforwearabletechstartups,whichtheacceleratorfocusseson.
A C C E L E R A T O R S …
Foundedinsummer2015,StartupBootcamp isaLondonbasedstartupwhichwillsearchfortechcompaniesaroundtheworldwhocanbringnewinnovationtothetraditionalworldofinsuranceanditswell-establishedcompanies. TheacceleratorshasmentorsfrominsurersAllianz,Admiral,ERGO,Momentum&Unipol grouptonamebutafew.
Entrepeneur firstisapre-seedacceleratorwhichrecruitsonbasedontalentandnotnecessarilyideasalone.Theybelievethatsomeofthebestpotentialfoundersmightnotyethavestumbledupontherightideaandarewillingtonurturetheseentrepreneurstocreatesuccessfulstartups.EFtakesan8%stakeineachofthecompaniesitsupportsinreturnforits£16,600investmentoverthehalf-yearperiod.
D I S R U P T I O N T R A C K I N G | I N S U R A N C E
“ADAPT OR PERISH, NOW AS EVER, IS NATURE’S INEXPORABLE IMPERATIVE”
H. G. Wells
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T Ä L L T V E N T U R E S
TälltVentureshelpsbrandsinnovateandgrow.
Wetrackandanalyseover1Mstartupsaroundtheworldprovidingourclientsuniqueinsightsintodisruptivethreatsandopportunities.Withstudioson5continentsandemployingresearchersacross14countries,wegetaccesstoinformationthatcannotbesourcedelsewhere.
Weofferanumberofservicesincluding:
QuarterlyIndustryDisruptionReports
TailoredClientDisruptionReports
DisruptionIdeationWorkshops
DisruptionBriefingSessions
Disruptor&AcceleratorMeet&Greets
Ifyou’dliketoknowmoreaboutTälltorcommissionanyoftheabove,pleasegetintouch:
MattConnollyFounder&CEO
m.+447788711104e.matt@tallt.ventures
HarryClarkeResearcher
m.+447961684878e.harry@tallt.ventures
D I S R U P T I O N T R A C K I N G | I N S U R A N C E
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