The vast number of start-ups operating in the home automation or connected car domain represent a wealth of opportunities that insurers can take advantage of. Via IoT, they can offer a new approach to insurance.
In a house, each room can host at least one or a few connected objects. For example, the living room may have a smart thermostat to control energy spending. The front door may be lockable via a smartphone. The smoke detector in the kitchen could communicate through text messaging. Or, there could be sensors in the bathroom to monitor water usage. Lastly, a connected box could be installed in a car to decipher driving behaviour and offer advice.
Deborah Osada & Emmanuel Gambart de Lignières
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