INSURANCE CONTENT HUB

Differential pricing is transforming insurance. AI, telematics, and embedded channels enable precision pricing—but also threaten the solidarity that keeps coverage fair.

The silent engine behind many insurance lines isn’t margin, it’s cross-subsidy. For decades, insurers have relied on solidarity-based pricing to balance fairness and viability. Now, neo-insurers using data-driven selective underwriting are eroding this foundation. As these cross-subsidies weaken, the sector faces not just margin pressure but a deeper challenge to the social contract that has long underpinned insurance solidarity

Price comparison websites (PCWs) are often seen as margin killers—but that’s a missed opportunity. With the right strategy, insurers can transform PCWs into powerful tools for pricing intelligence, niche acquisition, and digital upselling. This isn’t just about lowering prices. It’s about building a fast, data-driven, and dedicated operating model that turns aggregator pressure into profitable momentum.