Marshmallow:专门服务外籍司机的车险平台 - 互联网金融门户 未央网

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Marshmallow:专门服务外籍司机的车险平台

国际资讯基于互联网平台的金融业务

Marshmallow:专门服务外籍司机的车险平台

近日,一家名为Marshmallow的英国创企获得了120万美元的种子资金,投资方为Passion Capital和Investec。

据悉,Marshmallow预计将于今年晚些时候正式走入市场,该平台的目标是利用数字技术为非英籍/移民司机提供物美价廉的汽车保险服务。

Marshmallow创始人Oliver Kent-Braham表示,在英国,出生于外国的司机所获得的车辆保险费率可能比英国公民高51%。很多保险公司不愿意了解居住在英国的外国司机,只是一刀切地对他们采取了高收费的服务模式。而Marshmallow希望通过数字技术和特有的算法模式改变这种市场偏见。

与此同时,欧盟监管机构也在积极推广保险市场平等化进程。据了解,欧盟委员会刚刚提出建议,“要在欧盟范围内规范保险市场,设定最低的保障标准和统一的保险历史纪录模式,确保在欧盟国家购买过保险或者拥有保险历史的用户在其他国家也能得到公平待遇”。

除最低保险额度外,该提议还引发了另外一个争议。那就是各国需要确定到底哪些车辆必须购买保险服务,比如骑乘割草机和电动滑板车这类的产品是否也在服务范围之内。

除保费和赔付模式外,保险市场的另外一大变化就是服务范围的扩大化。近年来,共享经济(例如Airbnb、Uber和Lyft)的迅速崛起也吸引了不少创企企业的关注。比如,一家叫做Slice Labs的企业就专门为此类主体提供保险服务。

A startup in the United Kingdom called Marshmallow has raised $1.2 million in seed funding as it tries to use digital technology to lower auto insurance costs for foreign-born drivers there. The new capital comes amid a wider push in Europe to bring more standardization to the vehicle insurance industry.

Marshmallow, its funding from Passion Capital and Investec, will launch later this year, according to a recent article (June 7) in TechCrunch.

The goal of the company is to build “a product for immigrants/expats who are poorly served by the car insurance market,” the report said. Those products aim to “use better data and technology to provide more fairly priced insurance cover to non-U.K. nationals. To that end, the startup is starting out with car insurance for foreign-born drivers.”

In the United Kingdom, vehicle insurance rates can run 51 percent higher than the market average for foreign-born drivers, according to Oliver Kent-Braham, one of the company’s co-founders, as quoted by TechCrunch. He said, “Unfortunately, a lot of insurers don’t attempt to understand foreign drivers living in the U.K., instead they just overcharge them.”

The company’s underwriting system employs a proprietary algorithm to come up with what Kent-Braham calls a “more accurate price for foreign drivers living in the U.K.” He said the company views its typical customers as those who have already lived in the United Kingdom before needing to buy insurance.

The article said, “The company’s research suggests that after one or two years of living in the U.K., people are ready to settle down, and that this often means buying a car and inevitably getting insurance.”

The funding for Marshmallow comes as regulators in the European Union (EU) seek to bring their own fixes to the vehicle insurance market. According to a recent report from the U.K.-based Shropshire Star, proposals before the European Commission would “standardize insurance across the EU, setting minimum levels of cover as well as creating a set format for insurance histories. This would see those with an insurance claims history in an EU country being treated equally by other member states.”

The proposals also could lead to setting minimum levels of a coverage that are “harmonized” across Europe, and requiring countries to “define which motor vehicles require insurance.” That last part stems from a controversy over whether such vehicles as riding lawnmowers and mobility scooters need insurance, according to the paper.

All this activity around vehicle insurance is hardly the only change taking place in the wider insurance industry. Take the sharing economy — specifically, home and ridesharing. Companies are getting into that space and offering lower-cost products designed to appeal to people like Airbnb hosts, and Uber and Lyft drivers. One such company is Slice Labs, the subject of a recent PYMNTS interview with Karen Webster.


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