{"id":3509,"date":"2017-10-16T14:28:38","date_gmt":"2017-10-16T11:28:38","guid":{"rendered":"https:\/\/insly.com\/?p=3509\/"},"modified":"2023-08-18T11:56:17","modified_gmt":"2023-08-18T08:56:17","slug":"6-questions-with-insurtech-influencer-james-york","status":"publish","type":"post","link":"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/","title":{"rendered":"6 Questions with InsurTech Influencer James York"},"content":{"rendered":"
<\/div>

James York is an insurtech influencer, the founder of Worry+Peace<\/a>, a tech business and intermediary with an FCA license. With +33k hours of sector experience, he is a frequent commentator and advocate of what he calls #TeamInsurance. A member of the CII’s Broker Faculty Board, BIBA’s Innovation Working Group and POST magazine\u2019s Digital Collective Board, he\u2019s working closely with insurers and specialists across the sector to improve its reputation and opportunities.<\/p>\n

1. Please name 3 most promising Insurtech startups, feel free to add your comments why.<\/h4>\n

Cuvva<\/a>, Kodiak<\/a>, and I’m going to cheat and talk about our two lovely affiliated startups – Flock<\/a> and Jack<\/a>.
\nCuvva have a smart founder and a good team. Their UX is great and in a tough market, they’ve generated premium. Kodiak are a US startup and they\u00a0solve a problem modern insurance probably doesn’t realise it has, one that’s super bad for customers – I like where they position themselves. As for our colleagues – one is pioneering drone insurance via an app and the other is making freelancer insurance services more personal, passionate and beautiful.<\/p>\n

2. What is the biggest obstacle on the way of insurance startups to disrupt the market?<\/h4>\n

Two things, firstly it’s too hard to start a new micro-insurer model in the UK<\/strong>. I would suggest the government provide a 3-year micro-insurer incubator where new insurers have a capped premium limit and their adequacy is provided by QE. I don’t know if that constitutes state aid, but it’s one possible route around S2. Secondly, access to product is still not fluid enough.<\/strong>
\n[bctt tweet=”It’s too hard to start a new micro-insurer model in the UK \/ James York @worryandpeace” username=”insly_com”]
\nWhen we think of UK insurance, we often think of Lloyd’s of London. People also talk about the “London market”. But it’s not really a market that any intermediary can access and stock up on customer solutions<\/strong> – not like, say, Covent Garden flower market is for florists. UK insurance needs a bourse-like institution, a general insurance market where approved intermediaries are guaranteed agencies. I think there would be economics involved in that, but too often insurers cite high costs of operating agencies despite none ever backing their brand and ‘charging’ for one. I think that lack of an actual market for incumbents has a knock-one effect for startups.<\/p>\n

3. Are you betting more on the innovation from insurance companies or from startups, why?<\/h4>\n

Both. Only through collaboration is innovation possible<\/strong> – for the reasons outlined above.<\/p>\n

4. If you were to establish your own insurance startup what problem would you like to solve with that?<\/h4>\n

I have and we’re solving the problem of inconvenient choice<\/strong>. With so many solutions out there, we think there needs to be a site that is the go-to industry vertical to browse or manage your insurance needs as a consumer or business.
\n[bctt tweet=”UK insurance needs a general insurance market where approved intermediaries are guaranteed agencies @worryandpeace” username=”insly_com”]<\/p>\n

5. What is your biggest concern regarding insurance future?<\/h4>\n

That choice dies and consumers continue to subsidise excessive and unnecessary marketing budgets.<\/p>\n

6. What will disrupt the insurance sector in 2017?<\/h4>\n

Well, without blowing our trumpet too loudly – we think our next update, code-named “Sherbet Pips” is pretty epic. I also see new underwriting capital allocation models coming to the table<\/strong>. But there are so many ways the market could be improved, it’s exciting to say – I have no idea! But we’ll be ready…
\nWorry+Peace<\/a>, one of the foremost “insurtech”\u00a0startups in the sector, is billed as \u201cThe 21st Century\u2019s insurance service\u201d and developed the UK’s first trading insurance wallet, Pouch<\/a>.
\nRead other posts from series\u00a0\u201c6 Questions with InsurTech Influencer<\/a>\u201c.<\/p>\n","protected":false},"excerpt":{"rendered":"

James York is an insurtech influencer, the founder of Worry+Peace, a tech business and intermediary with an FCA license. With +33k hours of sector experience, he is a frequent commentator and advocate of what he calls #TeamInsurance. A member of the CII’s Broker Faculty Board, BIBA’s Innovation Working Group and POST magazine\u2019s Digital Collective Board, […]<\/p>\n","protected":false},"author":4,"featured_media":9013,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[348],"tags":[233,201,27,157,229,202,158,159,230,191,203,28,29,204,234],"class_list":["post-3509","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-archived","tag-cuvva","tag-influencer","tag-insurtech","tag-insurtech-influencer","tag-james-york","tag-lemonade","tag-paolo-cuomo","tag-rick-huckstep","tag-sabine-vanderlinden","tag-spiros-margaris","tag-spixii","tag-startup","tag-startupbootcamp","tag-uk-insurance-market","tag-worrypeace"],"acf":[],"yoast_head":"\n6 Questions with InsurTech Influencer James York - Insly<\/title>\n<meta name=\"description\" content=\"James York is an insurtech influencer, the founder of Worry+Peace, a tech business and intermediary with an FCA license.\" \/>\n<meta name=\"robots\" content=\"noindex, nofollow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"6 Questions with InsurTech Influencer James York - Insly\" \/>\n<meta property=\"og:description\" content=\"James York is an insurtech influencer, the founder of Worry+Peace, a tech business and intermediary with an FCA license.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/\" \/>\n<meta property=\"og:site_name\" content=\"Insly - Design & deliver insurance products\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/inslycom\" \/>\n<meta property=\"article:published_time\" content=\"2017-10-16T11:28:38+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-08-18T08:56:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/insly.com\/wp-content\/uploads\/2017\/10\/InsurTech-Influencer-James-York.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"768\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Risto Rossar\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@insly_com\" \/>\n<meta name=\"twitter:site\" content=\"@insly_com\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Risto Rossar\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/\"},\"author\":{\"name\":\"Risto Rossar\",\"@id\":\"https:\/\/insly.com\/en\/#\/schema\/person\/112361c4a4898df7cf387cd313c8135e\"},\"headline\":\"6 Questions with InsurTech Influencer James York\",\"datePublished\":\"2017-10-16T11:28:38+00:00\",\"dateModified\":\"2023-08-18T08:56:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/\"},\"wordCount\":640,\"publisher\":{\"@id\":\"https:\/\/insly.com\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/insly.com\/wp-content\/uploads\/2017\/10\/InsurTech-Influencer-James-York.png\",\"keywords\":[\"Cuvva\",\"influencer\",\"Insurtech\",\"insurtech influencer\",\"James York\",\"lemonade\",\"paolo cuomo\",\"rick huckstep\",\"Sabine VanderLinden\",\"Spiros Margaris\",\"spixii\",\"Startup\",\"StartupBootcamp\",\"UK insurance market\",\"Worry+Peace\"],\"articleSection\":[\"Archived\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/\",\"url\":\"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/\",\"name\":\"6 Questions with InsurTech Influencer James York - Insly\",\"isPartOf\":{\"@id\":\"https:\/\/insly.com\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/insly.com\/wp-content\/uploads\/2017\/10\/InsurTech-Influencer-James-York.png\",\"datePublished\":\"2017-10-16T11:28:38+00:00\",\"dateModified\":\"2023-08-18T08:56:17+00:00\",\"description\":\"James York is an insurtech influencer, the founder of Worry+Peace, a tech business and intermediary with an FCA license.\",\"breadcrumb\":{\"@id\":\"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/#primaryimage\",\"url\":\"https:\/\/insly.com\/wp-content\/uploads\/2017\/10\/InsurTech-Influencer-James-York.png\",\"contentUrl\":\"https:\/\/insly.com\/wp-content\/uploads\/2017\/10\/InsurTech-Influencer-James-York.png\",\"width\":1024,\"height\":768},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/insly.com\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"6 Questions with InsurTech Influencer James York\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/insly.com\/en\/#website\",\"url\":\"https:\/\/insly.com\/en\/\",\"name\":\"Insly - Design & deliver insurance products\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/insly.com\/en\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/insly.com\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/insly.com\/en\/#organization\",\"name\":\"Insly.com\",\"url\":\"https:\/\/insly.com\/en\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/insly.com\/en\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/insly.com\/wp-content\/uploads\/2021\/08\/insly_mainHQ.png\",\"contentUrl\":\"https:\/\/insly.com\/wp-content\/uploads\/2021\/08\/insly_mainHQ.png\",\"width\":4029,\"height\":2083,\"caption\":\"Insly.com\"},\"image\":{\"@id\":\"https:\/\/insly.com\/en\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/inslycom\",\"https:\/\/x.com\/insly_com\",\"https:\/\/www.instagram.com\/workininsly\",\"https:\/\/www.youtube.com\/channel\/UC0njxLdcXgKFKciaoXDF-1A\",\"https:\/\/www.linkedin.com\/company\/inslytech\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/insly.com\/en\/#\/schema\/person\/112361c4a4898df7cf387cd313c8135e\",\"name\":\"Risto Rossar\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"6 Questions with InsurTech Influencer James York - Insly","description":"James York is an insurtech influencer, the founder of Worry+Peace, a tech business and intermediary with an FCA license.","robots":{"index":"noindex","follow":"nofollow"},"og_locale":"en_US","og_type":"article","og_title":"6 Questions with InsurTech Influencer James York - Insly","og_description":"James York is an insurtech influencer, the founder of Worry+Peace, a tech business and intermediary with an FCA license.","og_url":"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/","og_site_name":"Insly - Design & deliver insurance products","article_publisher":"https:\/\/www.facebook.com\/inslycom","article_published_time":"2017-10-16T11:28:38+00:00","article_modified_time":"2023-08-18T08:56:17+00:00","og_image":[{"width":1024,"height":768,"url":"https:\/\/insly.com\/wp-content\/uploads\/2017\/10\/InsurTech-Influencer-James-York.png","type":"image\/png"}],"author":"Risto Rossar","twitter_card":"summary_large_image","twitter_creator":"@insly_com","twitter_site":"@insly_com","twitter_misc":{"Written by":"Risto Rossar","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/#article","isPartOf":{"@id":"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/"},"author":{"name":"Risto Rossar","@id":"https:\/\/insly.com\/en\/#\/schema\/person\/112361c4a4898df7cf387cd313c8135e"},"headline":"6 Questions with InsurTech Influencer James York","datePublished":"2017-10-16T11:28:38+00:00","dateModified":"2023-08-18T08:56:17+00:00","mainEntityOfPage":{"@id":"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/"},"wordCount":640,"publisher":{"@id":"https:\/\/insly.com\/en\/#organization"},"image":{"@id":"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/#primaryimage"},"thumbnailUrl":"https:\/\/insly.com\/wp-content\/uploads\/2017\/10\/InsurTech-Influencer-James-York.png","keywords":["Cuvva","influencer","Insurtech","insurtech influencer","James York","lemonade","paolo cuomo","rick huckstep","Sabine VanderLinden","Spiros Margaris","spixii","Startup","StartupBootcamp","UK insurance market","Worry+Peace"],"articleSection":["Archived"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/","url":"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/","name":"6 Questions with InsurTech Influencer James York - Insly","isPartOf":{"@id":"https:\/\/insly.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/#primaryimage"},"image":{"@id":"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/#primaryimage"},"thumbnailUrl":"https:\/\/insly.com\/wp-content\/uploads\/2017\/10\/InsurTech-Influencer-James-York.png","datePublished":"2017-10-16T11:28:38+00:00","dateModified":"2023-08-18T08:56:17+00:00","description":"James York is an insurtech influencer, the founder of Worry+Peace, a tech business and intermediary with an FCA license.","breadcrumb":{"@id":"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/#primaryimage","url":"https:\/\/insly.com\/wp-content\/uploads\/2017\/10\/InsurTech-Influencer-James-York.png","contentUrl":"https:\/\/insly.com\/wp-content\/uploads\/2017\/10\/InsurTech-Influencer-James-York.png","width":1024,"height":768},{"@type":"BreadcrumbList","@id":"https:\/\/insly.com\/en\/blog\/6-questions-with-insurtech-influencer-james-york\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/insly.com\/en\/"},{"@type":"ListItem","position":2,"name":"6 Questions with InsurTech Influencer James York"}]},{"@type":"WebSite","@id":"https:\/\/insly.com\/en\/#website","url":"https:\/\/insly.com\/en\/","name":"Insly - Design & deliver insurance products","description":"","publisher":{"@id":"https:\/\/insly.com\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/insly.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/insly.com\/en\/#organization","name":"Insly.com","url":"https:\/\/insly.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/insly.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/insly.com\/wp-content\/uploads\/2021\/08\/insly_mainHQ.png","contentUrl":"https:\/\/insly.com\/wp-content\/uploads\/2021\/08\/insly_mainHQ.png","width":4029,"height":2083,"caption":"Insly.com"},"image":{"@id":"https:\/\/insly.com\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/inslycom","https:\/\/x.com\/insly_com","https:\/\/www.instagram.com\/workininsly","https:\/\/www.youtube.com\/channel\/UC0njxLdcXgKFKciaoXDF-1A","https:\/\/www.linkedin.com\/company\/inslytech\/"]},{"@type":"Person","@id":"https:\/\/insly.com\/en\/#\/schema\/person\/112361c4a4898df7cf387cd313c8135e","name":"Risto Rossar"}]}},"_links":{"self":[{"href":"https:\/\/insly.com\/en\/wp-json\/wp\/v2\/posts\/3509"}],"collection":[{"href":"https:\/\/insly.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/insly.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/insly.com\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/insly.com\/en\/wp-json\/wp\/v2\/comments?post=3509"}],"version-history":[{"count":0,"href":"https:\/\/insly.com\/en\/wp-json\/wp\/v2\/posts\/3509\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/insly.com\/en\/wp-json\/wp\/v2\/media\/9013"}],"wp:attachment":[{"href":"https:\/\/insly.com\/en\/wp-json\/wp\/v2\/media?parent=3509"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/insly.com\/en\/wp-json\/wp\/v2\/categories?post=3509"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/insly.com\/en\/wp-json\/wp\/v2\/tags?post=3509"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}