EP 39 – How Can Digital Platforms Close the Coverage Gap?
Fri Jan 23 2026
Insurance for the New Possible was joined by Nigel Fellowes-Freeman, CEO of Kanopi, and Richard Bracken, Head of Consumer Partnerships for APAC at Chubb.
Some of the topics they covered in detail included:
Embedded insurance is a response to a surging protection gap. Bringing cover to people where they already are (their everyday apps) is one of the fastest ways to shrink that gap.
• APAC’s large gaps are partly a legacy of face-to-face distribution that focuses on larger tickets and affluent segments.
• Early embedded insurance was making it situational and relevant. Now it is granular, data-driven and personalized.
• Consumer expectations have been reset by digital commerce and invisible payments. They want low-touch, simplified experiences, particularly when the offer is relevant to the task they are already doing.
• Consumers will share data when the value exchange is clear and fair. Be explicit about use; trust will follow.
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Insurance for the New Possible was joined by Nigel Fellowes-Freeman, CEO of Kanopi, and Richard Bracken, Head of Consumer Partnerships for APAC at Chubb. Some of the topics they covered in detail included: Embedded insurance is a response to a surging protection gap. Bringing cover to people where they already are (their everyday apps) is one of the fastest ways to shrink that gap. • APAC’s large gaps are partly a legacy of face-to-face distribution that focuses on larger tickets and affluent segments. • Early embedded insurance was making it situational and relevant. Now it is granular, data-driven and personalized. • Consumer expectations have been reset by digital commerce and invisible payments. They want low-touch, simplified experiences, particularly when the offer is relevant to the task they are already doing. • Consumers will share data when the value exchange is clear and fair. Be explicit about use; trust will follow.