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

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“THERE’S AN UNCALCULATED COST OF INSUFFICIENT, OR EVEN ABSENT

INNOVATION”

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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”

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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

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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

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”

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AtTälltVentureswecombinedataanalysisofover1Mstartups,onlineresearchandin-depthworldinterviewstoprovidethelatest,accurateandin-depthinsightsintopotentialdisruptors.

Withstudioson5continentsandemployingresearchersacross14countries,weaccessinformationthatsimplycannotbesourcedelsewhere.

Wethencurateourinsights,providingclientswiththeplatformtoinspire,evadedisruptionandspotearlyacquisitionopportunities.

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ON DEMAND INSURANCE

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Mobileusersarealreadyconnecttoservicesinmanyways - whetherroadsideassistance,fooddelivery,banking ortheconnectedhome– it’sallcontrollablewiththepressofabutton.

It’snowtimefortheinsuranceindustrytocatchup.

Ondemandinsurance,whichcanbeboughtonmobileandunderwritteninseconds,isgainingmomentumandisbeginning toattractseriousattentionfrominvestors

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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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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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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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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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Tokio Marine- Japanese insurancegroupoffering aselectionofondemand insuranceproducts.

BerkshireHathaway– UStravelinsuranceprovidercreatingon

demand flightinsurance.

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TRANSPARENCY & CHOICE

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Insurersmustnowacknowledgethatintoday’sconsumerlandscape thecustomerissavvyenoughto“compare”thedirectplayers.

Andwiththeinsuranceindustryhistoricallylackingtheelementoftrust,insurersmustalsoacknowledge transparencycangoalongwaytogaining andretainingcustomers.

WiththeFCAdemanding clearerproductsthatareeasiertocompare,startupswhichcantargettheoverlapoftransparencyandchoicearesettodowellin2016.

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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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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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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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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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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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CekPremi – Indonesianonlineportalthatprovidesinformationand

comparisonofinsuranceproducts.

BayZat – healthinsurancecomparisonplatformbasedinDubai.

ImpactHealth– Californiabasedcomparisonsiteforhealth insurance

packages.

CatDogFish – UKpetinsurancestartuplookingtotransparent,honestandvaluable serviceto

customers.

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LIFESTYLE ENGAGEMENT

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Weareseeingariseofinsurancestartupsdeliveringatruecustomer-firstexperience.

Thesearecompaniescreatingenvironmentswherecustomersvaluetheirrelationshipwiththeirinsurer.Theyarestartupswhoareconstantlyseekingwaystoengage theirpolicyholderswithrelevantcontentandactivitybasedreward.

Theendgoalistoidentifyandconvertaconsumergroupwhowouldratherbuy,thanbesoldto.Andofcoursetobuildastronglifetimevaluewiththeircustomers.

Developmentofinsuranceasa‘lifestyleproduct’isclearlyanopportunitytodisrupttheindustry.

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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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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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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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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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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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MelodyHealthInsurance– UShealthinsurancetailoredtoyourlifestyle.

Zugar Znap – UKinsuranceproviderlookingtotargetmillenials witharebrandedinsuranceexperience.

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DATA & IoT

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Fromasearlyasrecordsbegin,theinsuranceindustryhasbeenbuiltusingdatatomaketacticalandstrategicoperationaldecisions- whichcustomerstotarget,howtopricetherisk,howtoestimatethelosses,etc.

Howeveroverthecomingyearsdatawillstarttoplayanevermorecriticalrole.Largeamountsofreal-timesensordata,unstructureddatafromsocialnetworks,anddatasuchastext,voiceandvideowillneedtobecaptured.

Andassophisticatedartificial,predictiveandaugmented intelligence techniquesevolve,insurerswillstartusingthisunstructureddataacrossallaspectsofthebusinessandcustomerlifecycle.

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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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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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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

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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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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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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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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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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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A C C E L E R A T O R S

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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!

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TheGlobalInsuranceAcceleratorisamentor-drivenbusinessacceleratordesignedtofosterinnovationintheinsuranceindustry.Investorsareinsurancecarriers,andmentorsareprimarilyinsuranceexecutives.Theacceleratoriscomprisedofa100-dayprogramme,$40kofinvestment,andaccessto80+mentors,culminating inademoday.

Fintech Accelerator,runbyL'Atelier BNPParibasisa4-monthbusinessorientatedfintech andinsurtech accelerationprogram.StartupswillbepairedupwithaBNPParibasbusinesslinetocollaborativelyexperimentforthedurationoftheprogram.Theyreceiveupto$100infunding, alongwithcoachingandmentoringfromaninhouseCTOintheirPairsHQ.

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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

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