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You established Cover Genius with Chris Bayley. Why did you take the step into embedded insurance?
Cover Genius was founded by myself and Chris Bayley in 2014. At the time, we had built a global online travel agency and found that traditional insurers were difficult to work with. Every country that we wanted to target required a separate insurance agreement with separate country leads. While this was an issue, the larger problem was no solution for the global distribution of insurance. To address this, we worked tirelessly to gain licensing or related authorisations around the world and built XCover – our global insurance distribution platform.
What is embedded insurance and what are the benefits of end-to-end insurance for consumers and companies?
Across the board, customers don’t want to take an inconvenient ‘second step’ to seek out insurance options. They’d prefer tailored protection offered directly at the point of sale or sign-up. By leveraging transactional and real-time data, digital companies can offer customers highly relevant, tailored insurance options.
What is XCover and what does it offer customers and partners?
XCover is our award-winning global distribution platform for any line of insurance or warranty, with an API for instant claims payments that holds an industry-leading Net Promoter Score (NPS) of +65. We work with our partners to co-create solutions that embed protection that’s licensed or authorised in over 60 countries and all 50 US states. XCover makes it simple for digital businesses to offer tailored policies directly to customers and is trusted by some of the world’s largest companies.
Cover Genius has recently added Turkish Airlines and Air Malta to its list of partners. Who is next on the list?
While I can’t share details about pending partnerships, I can share that we plan to continue rapidly expanding the scope of our platform, to move forward in our mission to protect the customers of large digital companies. Our partnerships with Turkish Airlines and Air Malta are great examples of our work with some of the world’s biggest airlines, but we also work across many other industries – including retailers and logistics players, mobility, auto and gig economy companies, banks, fintechs and proptechs, and B2B software and event ticketing.
