保險公司進(jìn)軍租賃保障
保險公司并不以行動敏捷聞名，但這個行業(yè)不得不跟上這樣一個形勢：在一個租用而非擁有商品的經(jīng)濟(jì)中，客戶往往不再需要長期的保障。
Three years ago, executives from the industry were called into 10 Downing Street to see David Cameron, then UK prime minister, who was concerned that a lack of insurance cover was holding back new rental-based business models.
3年前，保險業(yè)高管們被時任英國首相戴維•卡梅隆(David Cameron)召入唐寧街10號，后者擔(dān)心缺乏保險保障正在阻礙基于租賃的新商業(yè)模式。
Graeme Trudgill, chief executive of the British Insurance Brokers’ Association, which chaired the meeting, said that from an insurance perspective there were very different risks attached to renting compared with ownership — and that insurers did not have much data about these.
英國保險經(jīng)紀(jì)協(xié)會(British Insurance Brokers’ Association)首席執(zhí)行官格雷姆•特魯吉爾(Graeme Trudgill)表示，從保險的角度來看，租賃所附帶的風(fēng)險與所有權(quán)所附帶的風(fēng)險截然不同——而保險公司關(guān)于前一種情況的數(shù)據(jù)并不多。
Humphrey Bowles, an entrepreneur who used to work for accommodation website onefinestay, says: “Insurance was my bugbear. Seeing hosts try to get access to insurance was ridiculous.”
曾經(jīng)為住宿網(wǎng)站onefinestay工作的創(chuàng)業(yè)者漢弗萊•鮑爾斯(Humphrey Bowles)表示：“保險讓我很頭疼。看到業(yè)主怎樣試圖上保險，感覺很荒謬。”
Some of the industry’s bigger companies are now taking an interest in the move towards rental. Allianz organises insurance for Drivy, which allows people to hire their own cars out to others. UK insurer Admiral, meanwhile, has just launched Veygo, which allows people who do not own a car to insure themselves on other people’s cars.
一些較大的保險公司現(xiàn)在有意進(jìn)軍租賃業(yè)務(wù)。安聯(lián)(Allianz)為Drivy提供保險，后者讓人們將自己的汽車出租給其他人。同時，英國保險公司Admiral剛剛推出了Veygo，后者讓使用汽車的非車主能夠為自己投保。
For Mr Bowles, however, the problem was residential home insurance policies, which were all designed for long-term residents or landlords. None of them was designed for properties that were sometimes lived in, and sometimes rented out.
然而，對鮑爾斯來說，問題在于住宅保險條款，這些條款本來都是為長期居民或房東設(shè)計的。它們沒有一個是為那些有時自住、有時出租的房產(chǎn)設(shè)計的。
Mr Bowles now runs Guardhog, one of a number of companies trying to fill that gap. Guardhog’s home insurance is an add-on to traditional policies, covering the homeowner during periods when the property is let out.
鮑爾斯現(xiàn)在經(jīng)營著Guardhog，后者是試圖填補(bǔ)這一市場空白的眾多公司之一。Guardhog推出的住宅保險是對傳統(tǒng)保單的補(bǔ)充，對房主的保障涵蓋房屋出租期間。
“The idea is that we offer on-demand cover to take the uncertainty out of people [renting out] their homes. Insurance has been a big barrier that puts people off,” he said.
他說：“基本思路是，我們按需提供保障，消滅(出租)房屋所蘊(yùn)含的不確定性。保險一直是阻礙人們出租的一大因素。”
Property and car hire are not the only areas insurers are targeting. Others have developed policies for people who want to rent out their possessions or even their pets, or for people who want to earn some extra income with freelance jobs.
保險公司的目標(biāo)不只是房產(chǎn)和汽車租賃。其他保險公司為那些想出租自己物品(甚至是寵物)的人，或者為那些希望通過自由職業(yè)賺取額外收入的人設(shè)計了保單。
Tapoly, a start-up, is about to start offering insurance for freelance workers. Founder Janthana Kaenprakhamroy says: “They only work part-time, or only need work-related insurance for a subset of their contracts, yet the only products available to them are annual policies.”
初創(chuàng)企業(yè)Tapoly即將開始為自由職業(yè)者提供保險。其創(chuàng)始人簡瑟娜•卡恩普拉克哈姆羅伊(Janthana Kaenprakhamroy)表示：“他們只是兼職工作，或者只需要作為用工合同一部分的與工作有關(guān)的保險，但市面上可以買到的只有年度保單。”
