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Squaring Risk in the Sharing Age How the Collaborative Economy Is Reshaping Insurance Products 02 Innovation Report 2018 Squaring risk in the sharing age How the collaborative economy is reshaping insurance products 02 Lloyd’s of London Disclaimer Deloitte’s Disclaimer This report has been co-authored by Lloyd's and This report has been co-produced by Lloyd’s and Deloitte for general information purposes only. While Deloitte for general purposes only. While care has been care has been taken in gathering the data and taken in gathering the data and preparing the report preparing the report Lloyd's does not make any Deloitte does not make any representations or representations or warranties as to its accuracy or warranties as to its accuracy or completeness and completeness and expressly excludes to the maximum expressly excludes to the maximum extent permitted by extent permitted by law all those that might otherwise law all those that might otherwise be implied. Deloitte be implied. accepts no responsibility or liability for any loss or damage of any nature occasioned to any person as a Lloyd's accepts no responsibility or liability for any loss result of acting or refraining from acting as a result of, or or damage of any nature occasioned to any person as a in reliance on, any statement, fact, figure or expression result of acting or refraining from acting as a result of, or of opinion or belief contained in this report. This report in reliance on, any statement, fact, figure or expression does not constitute advice of any kind. It is provided on of opinion or belief contained in this report. This report an information only basis (without creating a duty or does not constitute advice of any kind. liability on Deloitte LLP or any of its member firms). © Lloyd’s 2018 All rights reserved About Deloitte About Lloyd’s Deloitte is a leader in professional services globally, Lloyd's is the world's specialist insurance and with over 263,000 professionals in more than 150 reinsurance market. Under our globally trusted name, countries. It combines world-class consulting and we act as the market's custodian. Backed by diverse implementation strengths in strategy, operations, people global capital and excellent financial ratings, Lloyd's and technology with advisory, regulatory and works with a global network to grow the insured world – compliance capabilities in audit, tax, legal, risk and building the resilience of local communities and finance. Deloitte's breadth of services and deep industry strengthening global economic growth. knowledge help it to anticipate its clients' needs and deliver exceptional value. Its collaborative culture With expertise earned over centuries, Lloyd's is the fosters an environment where its professionals work foundation of the insurance industry and the future of it. side-by-side with clients to help them solve their most Led by expert underwriters and brokers who cover more complex problems. than 200 territories, the Lloyd’s market develops the essential, complex and critical insurance needed to underwrite human progress. Sharing Economy 03 Key Contacts About the authors Nigel Walsh is a Partner in the Financial Services Trevor Maynard Technology practice at Deloitte, focusing on disruptive Head of Innovation, Lloyd’s technology within the global insurance market. He has a [email protected] background in end to end technology transformation for property and casualty insurers, ranging from core Nigel Walsh systems through to digital transformation, robotics and Insurance Innovation & InsurTech Lead AI. Nigel leads the firm’s proposition for InsurTech [email protected] disruptors, which covers how they engage across the insurance sector and support the enablement of new For general enquiries about this report and Lloyd’s business models including the sharing economy. work on emerging risks, please contact [email protected] Peter Evans is Insurance Research Lead for Deloitte in the UK. He conducts primary research to provide clients with insights into their most important issues. He specialises in understanding the implications of advancing digital technology and shifting customer preferences for strategy. Peter holds the Chartered Insurance Institute Diploma, an MA in history from Edinburgh University and is an MBA student at Imperial College. Sharing Economy 04 Acknowledgements Further thanks go to the following for their expertise, feedback and assistance with the study: Deloitte project team and area of expertise − Robert Moffat, Balderton Capital − Peter Evans, Insurance Research Lead − Richard Laughton, EasyCarClub − Clive Buesnel, Insurance Consulting − Michael Mainelli, Z/Yen − Nigel Walsh, Insurance Innovation & InsurTech Lead − Thomas Cape, Grafter − David Clemente, Cyber Research Lead − Richard Knight, Grafter − Harry Franks, Zego Lloyd’s project team − Benjamin Wilks, Dinghy − Dr Trevor Maynard, Innovation − Charles Palmer, ForestCar − Dr Keith Smith, Innovation − Janthana Kaenprakhamroy, Tapoly − Anna Bordon, Innovation − James Williams, Urban Jungle − James Burchill, Innovation − Ari Kestin, Nimber − Lizzie Lowe, Marketing and Communications − Glenn Wilson, Willis Towers Watson − Linda Miller, Marketing and Communications − Andrew Johnston, Willis Towers Watson − Flemmich Webb, Speech and Studies − Robin Smith, WeGoLook − Louise Birritteri, Inlet The following people were interviewed, took part in − Cornelia Raportaru, TaskRabbit workshops or roundtables, or commented on earlier − Jenna Cane, Sharing Economy UK drafts of the report; we would like to thank them all for − Bentia Matofksa, The People Who Share their contributions: − Clare Kandola, The People Who Share Lloyd’s Market and Innovators Group Further thanks go to the following sharing economy We’d like to thank all those from the market and Lloyd’s platforms for answering our platform questionnaire as innovators group who contributed to this research and provided the valuable insight that made the report part of the study: possible. − Growly − MonsieurParking − Nimber − Flexidrive − Riders Share − GoBaby − Safely − TravelerCar − Shearshare − Snappcar − Stashbee − Olio − Truelancer − DeRev − Salio − KettleSpace Sharing Economy As sharing grows, insurance uptake is on the rise According to survey findings and analysis of consumers across the US, UK, China, Germany, France, and UAE: % 57 500million Proportion of sharers who have Approximate number of insurance cover for taking part people that have shared in the sharing economy. assets or services. 37 % Proportion of home sharers who upgraded their buildings 680 million or contents policy or took out a new one. Approximate number of people that have consumed % sharing economy assets 49 or services. Proportion of ride sharers who upgraded their motor policy or took out a new one. Contents 06 Contents Executive summary ............................................................................................................................................................... 8 1. Sharing economy trends ................................................................................................................................................. 11 1.1 What is the sharing economy? .................................................................................................................................. 11 1.2 2018 Global market trends in the sharing economy ................................................................................................. 12 1.3 What the sharing economy provides ......................................................................................................................... 14 1.4 The future of the sharing economy ........................................................................................................................... 17 2. How insurance can support the growth of the sharing economy .................................................................................... 20 3. Sharing economy sectors and insurance ........................................................................................................................ 23 3.2 Real estate ................................................................................................................................................................ 26 3.3 Finance ...................................................................................................................................................................... 26 3.4 Cross sector .............................................................................................................................................................. 26 4. Lloyd’s ............................................................................................................................................................................. 30 Sharing Economy Executive summary “ This potential market is large, growing quickly yet blurs the boundaries between personal lines and commercial insurance” Executive summary 08 Executive summary The sharing economy is an economic system based on This study, carried out by Lloyd’s, the world’s specialist the use of technology to share assets or services insurance and reinsurance market, and Deloitte scanned between parties (individuals or organisations). the sharing economy for emerging insurance models, Participants in the sharing economy use it because it can conducted a broad review of business and academic provide a more flexible and affordable option than some literature, surveyed 8,527 consumers across the US, other economic systems. In this way,
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