Insurance as a service

by Nikolaus Sühr

KASKO provides ‘insurance as a service’ by creating tailored insurance products embedded at the digital point of demand

KASKO connects digital marketplaces with insurance providers to offer highly tailored policies at the point of demand through easy-to-implement plug-ins. This seizes the opportunity created by major shifts enabled by digitalisation. Consumers worldwide are increasingly going online to purchase goods and services, with global e-commerce sales set to grow from €1.85 trillion this year to almost €3.23tr by 2019.1 At the same time, the demand for insurance products has grown as people seek to secure the goods they buy and activities they undertake: non-life insurance premiums in Europe (including motor, liability, accident and home) are expected to grow from €455bn in 2014 to €487bn in 2020.2


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1 Statista, Global retail e-commerce sales 2014-2019 (Conversion USD:EUR – 1.00:0.90 (as of 9 August 2016), 2016
2 Insurance Europe, European Insurance Key Facts, 2015

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