Global insurance industry is entering a distinct phase of disruptive change driven by the Internet of Things (IoT). While the insurance industry has undergone significant technology-driven change in the last fifteen years, the basic insurance modus operandi has remained the same. However, as the industry enters this new phase, emerging IoT-based insurance propositions threaten to undermine today’s long established insurance offerings particularly in some of the largest mainstream sectors.
The IoT is about a world in which physical objects ranging from gas turbines to mobile phones and television sets are connected to the Internet. That connectivity imbues these devices with intelligence and enables them to collaborate with each other and with people to adapt to the contexts in which we live, work, and play.
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