Reports - The Open & Embedded Insurance Observatory

Reports & whitepapers

Speed vs. Control:
An insurer playbook for scaling embedded insurance while protecting long-term customer value

Most insurers can launch an embedded insurance pilot. The challenge is rarely the first partnership. It is making the second and third materially easier: faster to onboard, faster to iterate, and less dependent on one-off builds that don’t compound into future capability.

Based on expert interviews and a follow-up industry survey with SAP Fioneer, this whitepaper examines why embedded insurance initiatives stall between pilot and scale. It maps the frictions insurers consistently encounter: partner-driven constraints, regulatory complexity, legacy technology, fragmented ownership, and the lack of reusable infrastructure that would make each new partnership easier than the last.

The paper introduces a capability-led framework for scaling at partner speed without ceding control over data, governance, or customer value.

It also compares outsourced, in-house, and hybrid execution models, giving leaders a basis for deciding what to build, what to source, and what to keep under direct ownership as embedded insurance matures from pilot to operating model.

What you’ll take away:

Why most embedded insurance programs stall and the capability gaps that cause it
The building blocks that reduce marginal effort as partner volume grows
A framework for evaluating execution models against your organization’s speed, control, and ownership priorities

Beyond the Core:
How 300+ insurers are launching AI-ready embedded insurance without core transformation

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.

Building Effective Embedded Insurance Journeys in Motor & Mobility

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.

The future of automotive insurance aftersales

The automotive industry is undergoing a seismic change driven by technological advancements, shifting consumer preferences, and evolving regulatory landscapes. As the industry evolves, so too does the automotive extended warranty sector, which is projected to grow 30% between now and 2029 to reach US$43 billion.

By analyzing the various aspects of the rapidly growing aftersales markets, we seek to equip stakeholders with practical insights and strategies for effectively navigating the changing automotive landscape and seizing emerging opportunities within this sector.

Embedding Insurance in Financial Services (Global)

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

The Automotive Advantage

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.

Using captives to unlock value in affinity insurance programs

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.