• Leverages just-in-time, on-demand service trend
  • Regulatory model for insurance permits flexible pricing
  • Creates a robust data platform and aggregation network; can broker data and beat big companies at their own game
  • Serves millennials & `unprofitable’ users—makes car ownership more feasible
  • Freemium distribution based on convenience features
  • Simple web product; graceful integration with mobile network
  • Takes advantage of traditional insurance company relationship failures
  • Hip, urban branding and viral outreach