Daniel Guasco PH +27 (0)
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1 BUY. INSURE. DIGITALLY. Daniel Guasco PH +27 (0)
2 PROBLEM The consumer purchase of insurance is: Confusing and complex High friction and opaque Dominated by fragmented, physical intermediaries The Broker, Retailer, Lead Generator, Service Provider: Manual, paper-based process Regulatory challenges Complexity at the point of sale (POS) The Insurer, Cell Captive / MGA: Product offering isn t aligned to emerging digital market opportunities and expensive Reliant on traditional broker-led distribution Manual and costly administration processes 2
3 VISION To be a global leading full stack digital insurance platform BROKER / RETAILER / DISTRIBUTOR / SERVICE PROVIDER Open API enabling current channels to be digitised and multiple NEW digital distribution channels 3 ADMINISTRATOR INSURER Automated processing and claims administration with full reporting capability Unique insurance product offering that matches new distribution opportunities and custom needs
4 THESE INSURANCES PROTECT AGAINST LOSS, ACCIDENTAL DAMAGE AND WARRANTY EXTENSIONS. Վվ DISTRIBUTED THROUGH ONLINE AND OFFLINE; RETAILERS, SERVICE PROVIDERS, BROKERS.
5 PRODUCTS, INTEGRATION & DISTRIBUTION Unique Insurance Products integrated B2B2C through various digital processes Electronics Lifestyle Products Sport Equipment 5 Pet Insurance Wearable Technologies Musical Instruments Life Policies Cyber/Identity Theft Income Protection Travel Cancellations Public Liability Medical Gap
6 PRODUCTS, INTEGRATION & DISTRIBUTION Integration Integrated through Widgets, iframe, API Integration, USSD, sms, IOS/Android Distribution Retailers Wholesaler / Distributor Broker / Direct Service Providers Brand Owner Online Offline Source: Swiss Re Institute sigma No 3 / Payment Gateway Party Service Providers Ticketing Provider Mobile Network
7 C2S - PAAS Current model Risk Carrying Bordereau Reporting Insurance Product Develop-m ent Pricing (Actuarial) Policy Issuance Policy Administration Automated Claims Management Customis able Reporting Sales + Marketing Distribution Digital model Risk Carrying Hannover RE / Guardrisk Underwrite the risk Distribution Click2Sure Fullstack Digital Insurance Platform Digital tools, compliant administration processes Bordereau reporting capability Broker / Retailer / Service Provider Enable you to offer unique tailored insurance products Click2Sure has digitised the process of insurance distribution, administration and claims with full reporting functionality. Through our efficient platform, we have radically reduced or mitigated operational costs, enabling far more competitive premiums for the customer and incremental profitability when compared to traditional insurers. We have rebuilt the entire ecosystem of an insurer from scratch: it s now in the cloud and fully digital. As a coverholder of A AA- Global Reinsurer and MMI Group, we manage the relationship with the risk carrier and you have access to unique products and new digital distribution mechanisms. 7
8 PROVIDER PARTNERS 8
9 CLICK2SURE PLATFORM INSURANCE PRODUCTS Electronics Sports Equipment Income Protector Lifestyle Wearable Technologies Travel Cancellations Musical Instruments DISTRIBUTION CHANNELS Retailer Wholesaler Service provider Broker / Direct Pets 9 Travel Cancellations Bulk Policies Cellular API / E-Commerce Mobile Life Policy Public Liability MODULAR/ SCALABLE / SERVICE BASED ARCHITECTURE INTEGRATION MECHANISM Cyber/Identity Theft DISTRIBUTION INTERFACE Medical Gap Widgets i-frame API integration USSD SMS IOS / ANDROID Web Interface In Store Deployment Tablet Direct Mailer
10 PLATFORM ARCHITECTURE 10
11 PLATFORM FEATURES A simple and accessible user interface that empowers our customers to understand and maintain their portfolio of insurance policies. 11
12 PLATFORM PERFORMANCE Key performance indicators for the production platform includes the following: % availability for API s (i.e. not more than 6 hours per year downtime) Less than one hour recovery time in case of catastrophic failure 12 < 200ms response time for API calls No critical issues on black box penetration testing < 2 seconds load time for web pages 80% unit test coverage % availability for websites (i.e. not more than 6 hours per year downtime) A hot failover option is available to core clients, with additional cost implications
13 DYNAMIC PRODUCTS User defined claims handling Custom policy schedule Customisable excess pricing Bulk insured Flexible premium pricing item importcreating PoliciesTracking ClaimsManaging InsurersManaging PoliciesReportingProduccategorisationManagininsurable products վ վ API and Widget integration Customisable claims lodging Product specific input fields 13
14 PLATFORM CAPABILITIES The platform enables Complex workflows API First Economies of Scope 14 Customised Products Scalability Minimal Unit Costs Customised Reporting Modular Enhancement Immediacy
15 INTEGRATIONS UNDERWAY DISTRIBUTION LIVE BY 1st NOVEMBER 2017 Larget e-commerce company in Africa Authorised Apple Reseller (Online and Offline) 2nd Largest e-commerce company in Africa Largest Price comparison website in Africa 15 EARLY 2018
16 Key Factors: 35% Conversion Rate 46% Germany Վվ 20% Initially Settlement takes place once a month, adjusted for cancellation.
17 V C2S FOR THE... Simple, fast and transparent at the POS CONSUMER Single or recurring premium payment Covered immediately Cheaper than typical excess of a household insurance policy Broader coverage than a household insurance policy (not only damage in house) Claim does not affect overall household insurance policy or no claims bonus 17
18 C2S FOR THE... BROKER / RETAILER / SERVICE PROVIDER Digital, simple and frictionless method of distributing insurance Incremental revenue streams Increased conversion as customers have the comfort of insuring the purchase immediately Closed loop claims processing; customer can purchase replacement item from original retailer. Administration and claims process fully digitised and automated 18
19 C2S FOR THE... INSURER / CELL CAPTIVE / MGA Cost effective entry into new insurance markets and new revenue streams A single integration enables insurers to distribute through a wide array of retailers Reduced friction of insurance and claims distribution We aggregate merchant and consumer data 19
20 THANK YOU OPEN DISCUSSION Վվ Վվ
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