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英国保险科技创企Setoo获930万美元融资

近日,保险和保护即服务公司Setoo宣布已完成800万欧元(约合930万美元)A轮融资。

迄今为止,该公司筹集资金总额已经达到1030万欧元(约合1200万美元)。此次和种子轮的主要投资者是AXA的保险科技创业工作室Kamet。

在当今的数字世界中,消费者希望企业能够提供根据其确切需求量身定制的服务,并提供出色的客户体验。而这与Setoo的产品模式不谋而合。

比如,Setoo会与电子商务网站、在线旅行社(OTA)合作,快速轻松地构建和集成定制的简单保险产品,这些产品会自动嵌入到客户的旅程中,直接在其数字资产上进行一键式承保,并为其消费者提供个性化保护和自动补偿。

例如,如果之前的航班被延迟或取消,那么出售来自多家航空公司的转机航班的OTA可以提供保险以弥补错过的航班连接。在这些情况下,Setoo代表OTA向消费者发送自动短信,解释已提供全额退款并提供替代航班建议。

为了提供这项服务,Setoo选择使用管理通用代理(MGA)模型,因此公司的运营是符合FCA许可规定,可以代表欧盟的保险公司分销产品。

Groundbreaking insurance and protection-as-a-service company, Setoo, today announced it has closed an €8 million (±$9.3 million) Series A funding round, bringing the total amount raised to date to €10.3 million (±$12 million). The main investor in this and the seed round is Kamet, AXA’s Insurtech startup studio.

Setoo is disrupting the insurance market by enabling e-businesses to create and sell great protection tailored to the consumers’ needs and fit for the digital age. In today’s digital world consumers expect businesses to provide services that are tailored to their exact needs and deliver a great customer experience. Whilst consumers have concerns for which they would like to buy protection, they are increasingly unwilling to spend money on what they see as irrelevant insurance products that don’t meet their needs. This impacts e-businesses negatively, who consider insurance to be a major component of their ancillary revenues and a means to create a great customer experience.

Setoo is solving this problem by empowering e-businesses, which understand their consumer best, to quickly and easily build and integrate tailor-made, simple insurance products that are automatically embedded into the customer journey. E-businesses benefit from one-click underwriting directly on their digital assets and providing personalized protection with automatic compensation for their consumers.By using these super targeted products, e-businesses such as e-commerce sites and online travel agents (OTAs) are able to meet their specific business goals, whether they are looking to delight their customers, generate new revenue streams, or differentiate within their crowded markets.

The highly scalable platform covers risks that relate to exogenous events that could ruin the customer journey. For example, an OTA selling connecting flights from multiple airlines can provide insurance to cover for missed flight connections if preceding flights are delayed or canceled. In these situations, Setoo sends an automated SMS to the consumer on behalf of the OTA, explaining that a full refund has been provided and offering alternative flight suggestions. In another scenario, a tour operator selling ski holidays could insure against a lack of snow, fully automating payment and removing the hassle of the claims process for the customer.

To provide this service, Setoo opted to use the Managing General Agent (MGA) model, so the company is licensed by the FCA to distribute products on behalf of insurers in the EU. Insurance companies that partner with Setoo benefit from working with the brands employing some of the best marketers in the world, who design and distribute new protections that are highly consumer-centric and innovative.


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