We believe the time is right to re-define insurance through innovation and connectivity, where insurance products seamlessly recognise the needs of users, subscribers, consumers and businesses, triggering personalisation, automations and recommendations, to adjust insurance levels and modes. In 2025 our objective is to forge strategic partnerships and collaborate with suppliers to deliver pausable car, vehicle, travel, holiday, pay per mile and temporary policies.

Consumer demand for personalization and fairness, coupled with concerns about cost, is driving the appetite for improved insurance services. This trend is evident in the increasing adoption of usage-based insurance (UBI) and per-mile policies. With the advent of technology-driven models, the shift toward controllable, subscription-based insurance services is becoming inevitable. Supporting this shift, polling and feedback reveal that over 90% of consumers are likely—or very likely—to adopt pausable and adjustable car and travel insurance options, underscoring a strong market demand for flexible and dynamic coverage solutions.

Personalization has the potential to revolutionize the insurance industry, making policies significantly more attractive to a broad audience. Few insurance products would not benefit from tailored offerings that adapt to individual needs and circumstances. From adjusting coverage based on real-time data to enabling flexible subscription models, personalized policies resonate with consumers who demand fairness, relevance, and cost-efficiency. This shift could impact millions of policies across various sectors, ensuring that consumers only pay for what they need while fostering stronger customer loyalty and satisfaction. As personalization becomes the standard, insurers who embrace this approach will be positioned to thrive in a highly competitive market. The possibilities are endless, as illustrated below.