Does digital always mean better? Or is simplicity the key to great customer experiences?

Magic runs entirely on SMS messaging, proving that low-tech solutions can be more human, less complicated, and just as effective.

Nick and Toby explore what insurance can learn from this—how cutting complexity and focusing on human-first interactions might be the real innovation.

Is usage-based insurance about more than just lower prices?

UBI is often seen as a way to cut costs, but could it reshape how insurers build trust and engage with customers?

Liberty Mutual is using data-driven pricing to make insurance fairer and more personalised—but what does this mean for the future of the industry?

Nick and Toby explore why UBI is more than just a discount, how it’s changing customer relationships, and what insurers can learn from Liberty Mutual’s approach. Plus, they discuss how innovation techniques can help insurers rethink pricing and engagement.

Can peer-to-peer insurance rebuild trust in the industry?

Trust in insurance is at an all-time low. But what if customers worked together instead of against their insurers?

Friendsurance, a pioneering German insurer, is flipping the model—using peer networks to reward claim-free behaviour and create a fairer system. But can this really fix the trust problem?

Nick and Toby explore why trust in insurance is eroding, how peer-to-peer models work, and what insurers can learn from Friendsurance’s approach. Plus, they dig into how innovation techniques can help insurers rethink risk-sharing and customer relationships.