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about=\u0022\/case\/cuvva\u0022 class=\u0022case-study full clearfix case-details-page-wrapper\u0022\u003E\n  \u003Cdiv class=\u0022container-fluid case-details-block green-january full-width-wrapper\u0022\u003E\n    \u003Ca id=\u0022scrolltop_button\u0022\u003E\u003C\/a\u003E\n\n    \u003Cdiv class=\u0022row\u0022\u003E\n      \u003Cdiv class=\u0022col-lg-12 full-width-inner-wrapper\u0022\u003E\n        \u003Cdiv class=\u0022row\u0022\u003E\n          \u003Cdiv class=\u0022col-lg-12 btn-group\u0022\u003E\n            \u003Ca href=\u0022\/search\u0022 class=\u0022btn padding-5 insead-white green-december-text rounded-2 back-to-search-button\u0022\u003E\n              Back to Search\n            \u003C\/a\u003E\n          \u003C\/div\u003E\n        \u003C\/div\u003E\n\n        \u003Cdiv class=\u0022row\u0022\u003E\n          \u003Cdiv class=\u0022col-lg-12 badges-block\u0022\u003E\n           \u003Cspan class=\u0022green-june-text text-uppercase product-type-badges\u0022\u003ECase Study\u003C\/span\u003E\n                                                              \u003Cimg class=\u0022popular-icon\u0022 src=\u0022\/themes\/custom\/case_publishing\/dist\/images\/popular@3x.png\u0022 alt=\u0022popular\u0022 title=\u0022Popular case\u0022\u003E\n                        \n                          \u003Cimg class=\u0022extra-icon\u0022 src=\u0022\/themes\/custom\/case_publishing\/dist\/images\/extra@3x.png\u0022 alt=\u0022extra\u0022 title=\u0022Case with extra material\u0022\u003E\n            \n          \u003C\/div\u003E\n        \u003C\/div\u003E\n\n        \u003Cdiv class=\u0022row\u0022\u003E\n\n          \u003Cdiv class=\u0022col-lg-6 col-md-6 individual-banner-section\u0022\u003E\n            \u003Ch1 class=\u0022green-august-text individual-page-title\u0022\u003E \u003Cspan class=\u0022field field--name-title field--type-string field--label-hidden\u0022\u003ECuvva: Disrupting the Market for Car Insurance\u003C\/span\u003E\n\u003C\/h1\u003E\n            \u003Cdiv class=\u0022row casestudy-fields-block\u0022\u003E\n\n              \u003Cdiv class=\u0022col-lg-4 col-md-4 col-sm-6 col-xs-6 col-6 casestudy-field\u0022\u003E\n                \u003Cspan class=\u0022green-june-text\u0022\u003EBy \u003C\/span\u003E\n                  \u003Cspan class=\u0022green-october-text\u0022\u003E\n                    \n  \u003Cspan class=\u0022field--item author-name-item\u0022\u003E\u003Ca href=\u0022\/author\/brian-rogers\u0022 hreflang=\u0022en\u0022\u003EBrian Rogers\u003C\/a\u003E,\u0026nbsp;\u003C\/span\u003E\n  \u003Cspan class=\u0022field--item author-name-item\u0022\u003E\u003Ca href=\u0022\/author\/karel-cool\u0022 hreflang=\u0022en\u0022\u003EKarel Cool\u003C\/a\u003E,\u0026nbsp;\u003C\/span\u003E\n  \u003Cspan class=\u0022field--item author-name-item\u0022\u003E\u003Ca href=\u0022\/author\/christophe-angoulvant\u0022 hreflang=\u0022en\u0022\u003EChristophe Angoulvant\u003C\/a\u003E\u003C\/span\u003E\n\n\n\n                  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          \u003Cspan class=\u0022green-june-text\u0022\u003ETopic \u003C\/span\u003E\n                  \u003Cspan class=\u0022green-october-text\u0022\u003E\n                    \u003Ca class=\u0022green-october-text\u0022 href=\u0022\/search?f[0]=topic:36\u0022\u003EStrategy\u003C\/a\u003E\n                  \u003C\/span\u003E\n                \u003C\/div\u003E\n              \n                              \u003Cdiv class=\u0022col-lg-4 col-md-4 col-sm-6 col-xs-6 col-6 casestudy-field\u0022\u003E\n                  \u003Cspan class=\u0022green-june-text\u0022\u003EIndustry \u003C\/span\u003E\n                  \u003Cspan class=\u0022green-october-text\u0022\u003E\n                    \n  \u003Cspan class=\u0022field--item industry-name-item\u0022\u003E\u003Ca href=\u0022\/search?f%5B0%5D=industry%3A2991\u0022 hreflang=\u0022en\u0022\u003EInsurance\u003C\/a\u003E\u003C\/span\u003E\n\n\n\n                  \u003C\/span\u003E\n                \u003C\/div\u003E\n              \n         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case-document-link\u0022\u003E\n                \u003Cdiv class=\u0022button-block\u0022\u003E\n                                                            \u003Ca class=\u0022btn green-february-text btn-square green-august no-permission\u0022 href=\u0022#\u0022 title=\u0022Access is not permitted with your account.\u0022\u003E\n                        Inspection Copy\n                        \u003Ci class=\u0022fa icon-square fa-cloud-download green-march-text\u0022\u003E\u003C\/i\u003E\n                      \u003C\/a\u003E\n                                                      \u003C\/div\u003E\n              \u003C\/div\u003E\n              \u003Cdiv class=\u0022btn-group case-document-link\u0022\u003E\n                                                      \u003Ca class=\u0022btn green-february-text btn-square green-august no-permission\u0022 href=\u0022#\u0022 title=\u0022Access is not permitted with your account.\u0022\u003E\n                      Educator Material \u003Ci 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     \u003Cspan aria-hidden=\u0022true\u0022\u003E\u0026times;\u003C\/span\u003E\n                          \u003C\/button\u003E\n                        \u003C\/div\u003E\n                        \u003Cdiv class=\u0022modal-body\u0022\u003E\n                                                      \u003Cdiv class=\u0022button-block\u0022\u003E\n                              \u003Ca class=\u0022use-ajax btn white-text btn-square green-august\u0022 href=\u0022\/watermark-pdf\/get-pdf\/63020\/42276\u0022 \u003E\n                                Cuvva: Disrupting the Market for Car Insurance\n                                \u003Ci class=\u0022fa icon-square fa-cloud-download\u0022\u003E\u003C\/i\u003E\n                              \u003C\/a\u003E\n                            \u003C\/div\u003E\n                                                  \u003C\/div\u003E\n                      \u003C\/div\u003E\n                    \u003C\/div\u003E\n                  \u003C\/div\u003E\n               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\u003Cdiv class=\u0022container-fluid case-page-content full-width-wrapper\u0022\u003E\n    \u003Cdiv class=\u0022row\u0022\u003E\n      \u003Cdiv class=\u0022col-lg-8 col-md-8 insead-light-grey-other pb-4 full-width-inner-wrapper\u0022\u003E\n\n        \n        \u003Cdiv class=\u0022individual-main-block\u0022\u003E\n          \u003Cdiv class=\u0022page-content-tab\u0022\u003E\n                          \n              \u003Cul class=\u0022nav nav-tabs gradient-border-left-right\u0022 id=\u0022sortable_tab\u0022 role=\u0022tablist\u0022\u003E\n                \u003Cli class=\u0022active nav-item\u0022\u003E\u003Ca data-bs-target=\u0022#home\u0022 data-bs-toggle=\u0022tab\u0022 href=\u0022#home\u0022 class=\u0022nav-link active\u0022\u003EHome\u003C\/a\u003E\u003C\/li\u003E\n                                  \u003Cli class=\u0022nav-item\u0022\u003E\n                    \u003Ca href=\u0022\/ajax\/microsite\/42276\u0022 class=\u0022nav-link disabled\u0022 rel=\u0022tooltip\u0022 title=\u0022Only users logged in as Educators can access this page.\u0022\u003ERestricted Material for Instructors\u003C\/a\u003E\n                  \u003C\/li\u003E\n                              \u003C\/ul\u003E\n              \u003Cdiv class=\u0022tab-content\u0022 id=\u0022sortable_tab_content\u0022\u003E\n                \u003Cdiv class=\u0022tab-pane fade show active\u0022 id=\u0022home\u0022 role=\u0022tabpanel\u0022 aria-labelledby=\u0022home-tab\u0022\u003E\n                  \u003Cdiv class=\u0022addthis_inline_share_toolbox\u0022\u003E\u003C\/div\u003E\n                                      \u003Cdiv class=\u0022tab-content-block\u0022\u003E\n                      \u003Cdiv class=\u0022tab-subtitle green-july-text\u0022\u003ESummary\u003C\/div\u003E\n                      \u003Cdiv class=\u0022p-14 insead-grey-dec-text\u0022\u003E\n                        \u003Cp\u003E\n                          \u003Cp\u003EThe case describes how 30-year old Freddy Macnamara (CEO) launched Cuvva, a start-up in the UK car insurance industry in 2014, which pioneered mobile-only car insurance via a pay-as-you-ride application. Initially targeted at drivers who wanted to drive someone else\u2019s  car (Cuvva for Sharers), it then developed mobile-only insurance for owners willing to buy insurance only for the rare occasions that they used their cars (Cuvva for Owners). As the Cuvva model gains traction with customers, its impact is tracked by incumbents such as Admiral, that begin developing rival products. The case chronicles Cuvva\u2019s origins, milestones, and competitors in the UK car insurance industry up to early 2017, as well as explaining the economics of car insurance.\u003C\/p\u003E\n\n                        \u003C\/p\u003E\n                      \u003C\/div\u003E\n                    \u003C\/div\u003E\n                  \n                  \n                                      \u003Cdiv class=\u0022tab-content-block\u0022\u003E\n                      \u003Cdiv class=\u0022tab-subtitle green-july-text\u0022\u003ETeaching objectives\u003C\/div\u003E\n                      \u003Cdiv class=\u0022p-14 insead-grey-dec-text\u0022\u003E\n                        \u003Cp\u003E\n                          \u003Cp\u003EThe case was developed for an MBA course on FinTech and the Disruption of Financial Services but has also been used with executive audiences. Cuvva, an example of \u201cInsurTech\u201d, is disrupting the insurance industry with a digital business model. While Cuvva for Sharers only extends the insurance market, the Cuvva for Owners product is a genuine disrupter (as defined by Clay Christensen). The case allows discussion of the economics of the (UK) car insurance industry, key success factors that create a value-creating insurer, the viability of new business models that challenge these factors, and how a specific disrupter can develop a viable, value-creating competitive position.\u003C\/p\u003E\n\n                        \u003C\/p\u003E\n                      \u003C\/div\u003E\n                    \u003C\/div\u003E\n                  \n                                      \u003Cdiv class=\u0022keyword-content-block\u0022\u003E\n                      \u003Cdiv class=\u0022tab-subtitle green-july-text\u0022\u003EKeywords\u003C\/div\u003E\n                      \u003Cdiv class=\u0022p-14 insead-grey-dec-text\u0022\u003E\n                        \u003Cul class=\u0022individual-page-keywords\u0022\u003E\n                                                      \u003Cli\u003E\n                              InsurTech\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              FinTech\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              insurance industry\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              disruption\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              digital business model\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              startup\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              digital platform\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              insurance eco-system\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              insurance supply chain\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              pay as you go insurance\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              challenging industry leaders\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              competitive advantage\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              economics of insurance\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              competition in UK car insurance\n                            \u003C\/li\u003E\n                                                      \u003Cli\u003E\n                              Q21718\n                            \u003C\/li\u003E\n                                                  \u003C\/ul\u003E\n                      \u003C\/div\u003E\n                    \u003C\/div\u003E\n                  \n                \u003C\/div\u003E\n                                  \u003Cdiv id=\u0022microsite-47581\u0022 class=\u0022tab-pane fade\u0022\u003E\n                    Loading please wait.\n                  \u003C\/div\u003E\n                              \u003C\/div\u003E\n                        \u003C\/div\u003E\n\n\n        \u003C\/div\u003E\n\n\n      \u003C\/div\u003E\n      \u003Cdiv class=\u0022col-lg-4 col-md-4 insead-white individual-right-sidebar\u0022\u003E\n\n        \n        \u003Cdiv class=\u0022sidebar-block\u0022\u003E\n          \u003Cspan class=\u0022sidebar-heading\u0022\u003E\n                          About the Author(s)\n                      \u003C\/span\u003E\n          \u003Chr\u003E\n                      \u003Cdiv class=\u0022sidebar-block-body\u0022\u003E\n              \u003Cdiv class=\u0022author-image-wrapper\u0022\u003E\n                              \u003C\/div\u003E\n              \u003Cdiv class=\u0022sidebar-content\u0022\u003E\n                \u003Cdiv class=\u0022sidebar-sub-title green-july-text\u0022\u003E\n                  \u003Ch4\u003E\n                    \u003Ca href=\u0022\/author\/brian-rogers\u0022 class=\u0022green-july-text\u0022 target=\u0022_blank\u0022\u003E\n                      Brian\u0026nbsp;Rogers\n                    \u003C\/a\u003E\n                  \u003C\/h4\u003E\n                \u003C\/div\u003E\n                \u003Cdiv class=\u0022sidebar-sub-content green-december-dark-text author-designation\u0022\u003E\n                  \n                \u003C\/div\u003E\n              \u003C\/div\u003E\n            \u003C\/div\u003E\n                      \u003Cdiv class=\u0022sidebar-block-body\u0022\u003E\n              \u003Cdiv class=\u0022author-image-wrapper\u0022\u003E\n                                  \u003Cimg src=\u0022\/sites\/publishing\/files\/Karel-Cool-13941_10.jpg\u0022 alt=\u0022Cool\u0022 class=\u0022rounded-circle\u0022\/\u003E\n                              \u003C\/div\u003E\n              \u003Cdiv class=\u0022sidebar-content\u0022\u003E\n                \u003Cdiv class=\u0022sidebar-sub-title green-july-text\u0022\u003E\n                  \u003Ch4\u003E\n                    \u003Ca href=\u0022\/author\/karel-cool\u0022 class=\u0022green-july-text\u0022 target=\u0022_blank\u0022\u003E\n                      Karel\u0026nbsp;Cool\n                    \u003C\/a\u003E\n                  \u003C\/h4\u003E\n                \u003C\/div\u003E\n                \u003Cdiv class=\u0022sidebar-sub-content green-december-dark-text author-designation\u0022\u003E\n                  Professor of Strategic Management\n                \u003C\/div\u003E\n              \u003C\/div\u003E\n            \u003C\/div\u003E\n                      \u003Cdiv class=\u0022sidebar-block-body\u0022\u003E\n              \u003Cdiv class=\u0022author-image-wrapper\u0022\u003E\n                              \u003C\/div\u003E\n              \u003Cdiv class=\u0022sidebar-content\u0022\u003E\n                \u003Cdiv class=\u0022sidebar-sub-title green-july-text\u0022\u003E\n                  \u003Ch4\u003E\n                    \u003Ca href=\u0022\/author\/christophe-angoulvant\u0022 class=\u0022green-july-text\u0022 target=\u0022_blank\u0022\u003E\n                      Christophe\u0026nbsp;Angoulvant\n                    \u003C\/a\u003E\n                  \u003C\/h4\u003E\n                \u003C\/div\u003E\n                \u003Cdiv class=\u0022sidebar-sub-content green-december-dark-text author-designation\u0022\u003E\n                  \n                \u003C\/div\u003E\n              \u003C\/div\u003E\n            \u003C\/div\u003E\n                  \u003C\/div\u003E\n\n      \u003C\/div\u003E\n    \u003C\/div\u003E\n  \u003C\/div\u003E\n\u003C\/div\u003E\n\n","settings":null}]