The Open and Embedded Insurance Observatory performs research and advisory on the global applications of Open and Embedded insurance.
Embedded insurance promises faster access to customers by integrating cover directly into partner journeys. Because of its convenience and relevance, global consultancies such as McKinsey & Company and Strategy& estimate it could capture 20–25% of the global P&C insurance market by 2030-2035.
In practice, however, insurers often face a trade-off between speed and control when implementing embedded insurance. Working through intermediaries or third-party platforms can expedite initial launches, but it can also limit what insurers can own and learn over time. Common constraints include limited influence over the customer experience, restricted access to the data needed to improve underwriting and conversion, and reduced ability to build repeatable capabilities that make the next partnership easier than the last.
This paper aims to help insurance leaders replace ad hoc decisions with a clear path they can commit to and refine over time.
Most insurers believe embedded insurance requires multi-year core transformation. This white paper demonstrates the alternative: an API orchestration layer that enables embedded programs in weeks without touching legacy systems.
It is published by the Open & Embedded Insurance Observatory in partnership with InsureMO, the API, data, and AI platform powering embedded insurance for 500+ customers across 50+ countries. The case studies and implementation evidence presented in this paper are drawn from InsureMO deployments across Europe and Asia- Pacific, with direct input from carrier executives operating these programmes.
Read on to find out what market experts from OEMs, distributors and insurance carriers have to say about building complete end-to-end embedded value chains, providing the real and tangible value customers desire, and creating an ecosystem fit for the future of embedded motor and mobility insurance.
This paper sets out the opinions of those who agreed to be quoted and responds with the SAS perspective on how to help solve some of the most prominent recurring business and technology challenges.
This report shows how embedded insurance, enabled by digital platforms, is growing
rapidly in Asia, Europe, and North America. Embedded insurance presents the financial
services industry with a major opportunity to generate new revenue streams at low cost,
deepen loyalty, and increase customer lifetime value. Despite regulatory complexity,
legacy IT, and rising competition, banks and fintechs that act now can reap the rewards
So why is embedded insurance so potent in the automotive sector? And how can the OEMs elevate their offering to gain a real competitive advantage? This report reveals the trends at the cutting edge of both the insurance and automotive industries. We take a close look at the dynamics of customer demand. And then analyse a dozen areas in which automakers can improve their insurance offerings. The findings span marketing, strategy, artificial intelligence, and digital platforms which can deliver step-change gains across the entire insurance journey.
Many organizations face the challenge of providing tailored insurance solutions that meet the unique needs of their customers or members and enhance overall customer experience. Securing specialized coverage at an affordable rate can be demanding, often leaving organizations with limited options and higher costs. This not only strains budgets but also hampers their ability to offer competitive, value-added benefits that foster loyalty. Additionally, managing multiple insurance programs independently can be resource-intensive, creating operational complexities and diverting focus from core business priorities.
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The Open and Embedded Insurance Observatory performs research and advisory on the global applications of Open and Embedded insurance.