The latest developments across the P&C insurance industry regarding fraud, risk and compliance.
03 August 2016

On Demand insurance on the rise

We live in a fast moving, 24/7 economy. In its constant flow of information, people get overloaded with tons of data they do not necessarily need or understand. The same goes for insurance. People need to be insured when buying a house, driving a car or even just exist. In order to cover every part of the risks consumers face, policies are getting more complex and often not understood or covering exactly the risks that fit the purpose.

The gap between covering everything every time and covering precisely the risks faced at a certain moment, called for a new type of insurance. As such, the so called on demand insurers are on the rise. Insurtech companies specialize in covering only those risks faced at a certain moment.

The customer enabledOn-Demand-insurance-on-the-rise

Consumers could think of a number of ways to apply on demand insurance products:

  • Activate a travel insurance at the very moment a flight ticket, cruise or Holiday is booked
  • Car insurance that does not need payment when the car is not used
  • Pay-as-you-stay insurance that only insures the time spent in an apartment

A number of companies is already successful in applying these ideas to the insurance market. Sure developed a mobile app to quickly close flight insurance to cover risks from take-off to landing. Mobile insurance company Trov developed a way to insure the objects that need to be insured, in a specific circumstance. Cuvva enables to insure a car exactly from the moment it starts driving till it reached its destination. These startup companies make insurance easy to understand, quickly accessible and back-to-basics.

Insurance and technology: a great match

The smart ways to apply for insurance will only become more advanced as technology evolves. As FRISS CTO Christian van Leeuwen indicated in his blog, insurance and technology are a match made in heaven. Looking at the future, if a person for instance could be tracked and traced via Wi-Fi this could help him in being insured. An instance could be triggered when you activate the Wi-Fi in a rental apartment and stop when the room is left.  This could exactly determine the start and end of the policy coverage.

For traditional insurance companies, the rise of on demand insurance means they will have to keep a close look at what is going on with the recent startups. The new technologies could help them in lowering costs, increase sales, really be customer centric and perhaps even cover risks they could not cover before. There is still work to be done, but the rise of on demand insurance cannot be denied.

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