Company: Hubilio

1. Simplifying insurance.

2. This is John
John has a problem…

3. Fragmented

4. Complex
2 in 3 are not
covered well
Sources: Insurance Europe, EY, PwC, Accenture, CB Insights
It’s also

5. Real Hassle

6. Meanwhile…

7. Insurance Industry
Doesn’t
really follow
customer
needs & risks
Sources: Insurance Europe, Central Bank of Ireland, FCA, EY, PwC, Accenture, FERMA, SunLife

8. 0%
20%
40%
60%
80%
100%
120%
140%
160%
Total Motor Liability Property PA/Travel Other
Key Insurance Ratios – eg. Ireland 2015
Claims Commissions Mgmt Expenses
High Costs
Declining
Profits
Sources: Insurance Europe, Assuralia

9. Insurance
Robo-Advisor
Introducing Hublio’s

10. Scan, Upload,
or Manual Entry
Capture

11. Your Profile,
Your Risks
& Your Cover
Analyze

12. Understand
How Insured
You Are
Explain

13. Actionable
Advice Right
From the App
Optimize Monday 2:56 PM
Read Wednesday
Tuesday 7:56 AM
Thanks!
Hi John. Sure thing. We’ll let you
know if there is an additional
premium due for covering this.
Can you amend this?
Yes, I bought a computer, an
Apple MacBook Pro.
Hi John. We noticed you changed
your home contents items.
Decline
Agree & Purchase
Hi again John. We recommend
reducing your deductible from
€1,000 to €500 for an additional
premium of €10 per year.
Lib ert y In suran ceMessages
Vodafone IE 22%2 54 PM:

14. For End-Customers
Simple &
Convenient
Digital Concierge

15. From Price
To Advice
For Brokers & Insurers
Holistic Dashboard

16. Growth &
Efficiency
For Brokers & Insurers
Policy Gap Analysis

17. Analysis &
Insights
For Brokers & Insurers
Product & Market Info

18. Coverage
Analysis
Profile
Risk Profile
Policies
Coverage
Life Events
Gaps
Info
leads
advice
actions
Note: Schematic simplification; for illustration purposes only
CRM
policy
admin
external
data/svc
social
feeds
apps
Product &
Market Info
Assets
quoting
service
Comparison & Advisory ComponentsAnalytical Components
How We Do This

19. Ireland
UK
BeNeLux
7500+
brokers, advisors
and insurers
Sources: Insurance Europe, Eurostat, IBA, BIBA, FVF, Assuralia, Portima
32%
commissions
& expenses
€ 360 B
yearly
premiums
Opportunity & Focus

20. Referrals
Brokers & Advisors
Insurers
FREE End-customers
SaaS
& API
Brokers & Advisors
Insurers
SaaS – Software-as-a-Service, monthly subscription for usage of the platform; API – programmatic access to the platform; CPL – Cost per Lead, one-time referral fee for new sale opportunity
B2B2C Approach
Basic
Professional
Enterprise
Monthly Subscriptions

21. Automation
Focus
Advice
Focus
Note: relative positioning for illustration purposes only; non-exhaustive
#InsurTech Landscape

22. +16 yrs
Finance
& ICT
+12 yrs
ICT
+10 yrs
Finance
Founding Team
Mirko InsuaRaphael Wouters Michael Parizel

23. Partners & Advisors

24. Piloting
Brokers & Insurers
Engagement
App for End-customers
Investments
& Growth
Coverage Overview
Personal & Risk Profile
Asset Management
Policy Gap Analysis
Risk Profiling
Data Sources & API
Hire Analytics & Dev Staff
Expand Product Lines
EU Patent Application
Traction & Roadmap

25. Broker & Insurer
Introductions
Welcoming

26. Simplifying insurance.
 hublio.com hello@hublio.com @hublio /hublio