Listen to an experienced, global panel of insurance professionals present, discuss and answer your questions on the theme of “Peer-to-Peer Insurance & Community”. Brought to you by The Digital Insurer and sponsored by KPMG.

1. 1
Why Telematics?
Webinar: Insurance Aggregators In Asia
29th September 2015
Webinar: Peer-to-Peer Insurance & Community

2. Our Panelists

3. Discussion agenda
1 Presentations:
Tim Kunde: How P2P insurance is becoming a market standard
Steven Mendel: Building Insurance Communities – the Bought by
Many Model
Tang Loaec: P2P – Collaborative Risk Sharing
2 Questions and Answers
3 Snap Poll – share your view

4. Questions & Answers
How to participate:
If you have a question please type into the messaging area
and send to the presenters
Session format:
The moderator will use a combination of his own questions
and those from the audience

5. Tim Kunde @Friendsurance:
How P2P insurance is becoming a market
standard

6. How P2P insurance is
becoming a market standard
February 2017 | Berlin

7. P2P insurance companies are spreading throughout world
How P2P insurance is becoming a market standard 7
1
6
1
12
2
5
1
1
5+
# Number of P2P companies

8. P2P is being used more and more as alternative term for innovation
How P2P insurance is becoming a market standard 8
Direct connection
between insurance peers
Indirect connection
between peers
Digital, user-centric
innovation along
value chain
Definition of P2P insurance

9. Steven Mendel @Bought by Many:
Building Insurance Communities – the
Bought by Many Model

10. The Next-Generation Insurance Intermediary
The Digital Insurer
February 2017

11. Copyright © Bought by Many Ltd 2017 - provided in confidence
Volume
per
category
We use data analytics & social media to address specific insurance needs
in the ‘long tail’ of insurance demand
Insurance
Categories
Mainstream ‘head’
Served by price-
comparison websites
and insurers direct
‘Long Tail’ of Insurance Demand
Traditionally served by
small face-to-face brokers
Target for Bought by Many
“Car Insurance”
“Home Insurance”
“Pet Insurance for French Bulldog”
“Travel Insurance with Diabetes Type 2”
“Young Driver car insurance”
Volume per category of insurance demand
11
~40% of insurance premiums (Swiss Re) are
in the “long-tail” but niche consumer needs
are neglected by price-comparison websites

12. Copyright © Bought by Many Ltd 2017 - provided in confidence
We have developed a unique approach to sourcing customers in the
long tail of demand
12
We recruit groups through social media and
Search Engine channels
Fulfilment is via the partner’s website
In-depth
analysis of
>100m lines
of Google
search data
Micro-
targeted
advertising,
tailored for
use on social
platforms
Community
engagement
and viral
marketing,
acting as
‘consumer
advocate’

13. Copyright © Bought by Many Ltd 2017 - provided in confidence
下一代保险中介
4
We have successfully launched 7 white-labelled new products in China in partnership with Ping An, the second-largest
Chinese insurer. These have full online quote & buy journeys and responsive campaign landing pages accessible through
search, WeChat and QQ
Travel Insurance for Self-Drive Holidays: We have created a separate, secure, member database:

14. Tang Loaec @P2P Protect:
P2P – Collaborative Risk Sharing

15. P2P = collaborative risk sharing

16. P2P = collaborative risk sharing
INSURER
Client
1
Client
2
Client
3
Client
4
Client
5
INSURER
Broker P2P
Community 1
Member
1.1
Member
1.2
Broker P2P
Community 2
Member
2.1
INSURER
INSURER
contract
Member
1
Member
2
Member
3
Member
4
Member
5
Insurance
model
P2P broker
model
P2P risk
sharing

17. P2P = collaborative risk sharing
Money back Conflict of Interest User power
P2P
Broker
model
Insurer
model
Paid
Users
MONEY
Returned
Up to
75%
Up to
40%
Never
= 0%
No claim
conflict
Claim
conflicts
Claim
conflicts
User vote
Little power
No power

18. 2
18
Questions & Answers
How to participate:
If you have a question please type into the messaging area
and send to the presenters
Session format:
The moderator will use a combination of his own questions
and those from the audience

19. Snap Poll3
19
Q. Will P2P Insurance change customer behaviour and attitudes
to claims?
1) Yes, significantly improving loss ratios (>15%)
2) Yes, but only marginal impact (<5%)
3) No, business as usual
4) Jury's out
How to participate:
Just respond to the question when it appears on your screen

20. Announcements
SAVE THE DATE: LONDON 20TH SEPT / SINGAPORE 2nd NOV
Following the success of our first Asia conference last year, we will be
holding our second Asia annual conference in Singapore on 2nd
November 2017.
In addition, we will be holding our first annual European conference in
London on 20th September 2017.
Pre-registration for both events will be available soon but in the mean
time, mark your calendars as we expect both events to sell out! Check out
the highlights from our 2016 conference here: http://asia2016.the-
digital-insurer.com/digital-insurer-asia-2016-conference-highlights/
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21. Post webinar activities
Recording will be emailed to registered participants
Next Webinar will be on 29th March 2017 – AI & Machine Learning
Register on our website: http://www.the-digital-
insurer.com/event/digital-insurer-webinar-ai-machine-learning/
Please give us your feedback
If you would like to follow up with any of the panelists
- Murray Raisbeck: murray.raisbeck@kpmg.co.uk
- Tim Kunde: tim.kunde@friendsurance.de
- Steven Mendel: steven@boughtbymany.com
- Tang Loaec: tang@p2pprotect.com
- Rick Huckstep: rick.huckstep@the-digital-insurer.com