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Strategic Intelligence: Embedded Insurance

Publisher GlobalData
Published Oct 02, 2025
Length 90 Pages
SKU # GBDT20495300

Description

Strategic Intelligence: Embedded Insurance

Summary

This report provides a comprehensive overview of the embedded insurance landscape in the UK, combining market analysis with consumer survey insights. It begins by outlining the embedded insurance model and its growing relevance across key product lines, including motor, home, travel, health/life, pet, and specialty insurance. The report explores consumer attitudes and behaviors towards embedded offerings, highlighting preferences, purchase triggers, and perceived value. It also examines the performance of various distribution channels, showing how and where embedded insurance is being adopted. Competitor profiles and market positioning are included to illustrate how insurers and partners are approaching this model. Real-world case studies showcase successful implementations, while the report concludes with a forward-looking view on innovation, emerging opportunities, and the potential challenges that may shape the future of embedded insurance.

Embedded insurance is reshaping how consumers engage with protection products, offering seamless, context-driven coverage at the point of need. By integrating insurance into non-insurance customer journeys-whether buying a car, booking a holiday, or adopting a pet-brands can unlock new value, improve customer loyalty, and tap into previously underserved segments. This model is rapidly gaining traction across product lines such as motor, travel, home, and specialty insurance, driven by shifts in digital behavior, growing consumer demand for convenience, and advances in embedded technology. For insurers and partners, the opportunity lies in delivering relevant cover exactly when and where it is needed-without friction.

Scope
  • Industry insiders view embedded insurance as having the greatest growth potential in the distribution of personal lines insurance over the next five years. A GlobalData poll revealed that 31.6% of respondents believe embedded insurance will experience the most significant growth, placing it well ahead of other channels such as direct-to-consumer models (18.4%) and traditional broker networks (17.2%).
  • Embedded insurance is expected to be most disruptive in the motor insurance space, with 28.4% of respondents to a GlobalData poll conducted in Q3 2023 identifying it as the most likely line to experience significant change.
  • 54.4% of global consumers say they have purchased or would be willing to purchase motor insurance from a car manufacturer, according to GlobalData’s 2024 Emerging Trends Insurance Consumer Survey.
Reasons to Buy
  • Understand how consumers engage with embedded insurance across key product lines.
  • Discover which channels and products offer the strongest growth potential.
  • See how competitors are positioning themselves in the embedded insurance space.
  • Use market insights and case studies to guide strategic decisions.
  • Stay informed on emerging trends and future developments in embedded insurance.

Table of Contents

90 Pages
Executive Summary
Players
Thematic Briefing
What is embedded insurance?
Why now?
Key considerations and challenges
Trends
Technology trends
Macroeconomic trends
Regulatory trends
Industry Analysis
Embedded insurance will see the most growth in personal lines insurance
Motor insurance will be the most disrupted by embedded insurance
Motor insurance
Almost a quarter of motor insurance is purchased through non-insurance companies
Half of consumers would be willing to buy motor insurance from a car manufacturer
Telematics and usage-based insurance
Electric vehicles
Life and health insurance
Consumers are more reluctant to buy life insurance from alternative providers
There is no clear leader for embedded private medical insurance
Wearable technology is a key enabler of embedded insurance
Home insurance
Consumers are willing to purchase home insurance from furniture companies
Embedded insurance can transform how renters access protection
Smart home devices create natural touchpoints for embedded insurance
Travel insurance
Traditional distribution channels dominate the UK travel insurance market
Consumers are more willing to purchase travel insurance from travel-related brands
Specialty lines
Cyber insurance
Crypto insurance
Gadget insurance
Distribution through retailers and OEMs
Telcos and subscription-based coverage models
Gig and sharing economy
Consumers expect insurance to be embedded into gig and sharing platforms
Timeline
Value Chain
Product development
Marketing & distribution
Underwriting & risk profiling
Claims management
Customer service
Companies
Insurance companies
Distribution partners
Sector Scorecards
Life insurance sector scorecard
Who’s who
Thematic screen
Valuation screen
Risk screen
Non-life insurance sector scorecard
Who’s who
Thematic screen
Valuation screen
Risk screen
Glossary
Further Reading
GlobalData reports
Our Thematic Research Methodology
About GlobalData
Contact Us
List of Tables
Table 1: Technology trends
Table 2: Macroeconomic trends
Table 3: Regulatory trends
Table 4: Insurance companies
Table 5: Distribution partners
Table 6: Glossary
Table 7: GlobalData reports
List of Figures
Figure 1: Who are the leading players in the embedded insurance theme, and where do they sit in the value chain?
Figure 2: Embedded insurance will register the strongest growth in the distribution of personal lines insurance
Figure 3: Motor and life will see the most disruption from the embedded insurance trend
Figure 4: The majority of global consumers buy motor insurance from traditional insurance companies
Figure 5: Car manufacturers lead in terms of alternative providers for motor insurance
Figure 6: Digital insurers lead the way for life insurance alternatives
Figure 7: Consumers are most likely to purchase private medical insurance from digital insurers or Big Tech companies
Figure 8: China leads in terms of willingness to share data with an insurance company
Figure 9: Concerns around sharing data are the main barrier to consumers sharing data with an insurer.
Figure 10: 24.5% of global consumers have or would consider buying home insurance from a furniture company
Figure 11: Traditional distribution channels dominate the UK travel insurance market
Figure 12: Consumers are more likely to buy travel insurance from travel-related brands
Figure 13: Consumers are interested in personal cyber insurance
Figure 14: Insurance companies lead the way for cyber insurance
Figure 15: Financial reimbursement is the most desirable feature in a cyber insurance policy
Figure 16: Over 40% of global consumers would buy a cryptocurrency insurance policy
Figure 17: There is great potential for embedded cryptocurrency insurance
Figure 18: Consumers expect insurance to be embedded into sharing platforms
Figure 19: Gig workers expect platforms to embed protection, not leave insurance as an individual burden.
Figure 20: The embedded insurance story
Figure 21: The insurance industry value chain
Figure 22: Who does what in the life insurance space?
Figure 23: Thematic screen - Life insurance sector scorecard
Figure 24: Valuation screen - Life insurance sector scorecard
Figure 25: Risk screen – Life insurance sector scorecard
Figure 26: Who does what in the non-life insurance space?
Figure 27: Thematic screen - Non-life insurance sector scorecard
Figure 28: Valuation screen - Non-life insurance sector scorecard
Figure 29: Risk screen - Non-life insurance sector scorecard
Figure 30: Our five-step approach for generating a sector scorecard

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