The start of a new era: digital retailers and insurance

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22 January 2015


  • I'm surprised we haven't seen an earlier and more prominent transition. Digital business is very efficient and easily accessible. However, insurance across borders could make some interesting and, in some cases, difficult changes.

    Jim |

  • Cross border insurance is difficult indeed. Regulation mainly. At least two models are possible to expand into new countries: 1) digital native companies act as insurance distributors (for which they still have to be licensed locally but with lighter regulation than an insurer); 2) digital native companies become insurers locally (buy or start-up) and they combine it with option 1 or they launch a direct operation.