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Insurance and Guest Verification in the Global Sharing Economy "Prevent & Protect"

全球共享经济中的保险和宾客验证“预防

基本信息

批准号：
10056180
负责人：
金额：
$ 17.74万
依托单位：
PIKL INSURANCE SERVICES LIMITED
依托单位国家：
英国
项目类别：
Collaborative R&D
财政年份：
2023
资助国家：
英国
起止时间：
2023 至无数据
项目状态：
已结题

来源：
https://gtr.ukri.org/projects?ref=10056180
关键词：
Insurance Guest Verification Global Sharing

项目摘要

Home-sharing is a significant growing economic sector in the UK, generating £2bn of rental income per annum and expected to grow to £2.6bn by 2027\. The 2027 global equivalent is ~£13bn.Property owners share their homes via technology-based booking platforms and property managers such as Airbnb and booking.com -- used not just by holidaymakers, but also by nomadic workers who do not want a succession of impersonal hotel experiences.This home-sharing economy creates new challenges - property usage changes and unknown guests can sometimes lead to unfortunate damage. Sadly, insurance protection has not kept up, with home-sharing frequently invalidating underlying home insurance. Owners are then out of pocket when their insurance has not covered their loss. Rightly or wrongly, owners see responsibility for this issue sitting with the platforms and property management companies. Some competitors claim to address this market issue, but propositions generally fall short, leaving owners confused and disillusioned, discouraging them to continue to share their properties.Prevent & Protect from Pikl addresses this issue. By firstly verifying a guest's identity, the proposition helps to PREVENT bad things happening. If they do, the proposition will PROTECT the owner and cover any gaps or invalidations in their underlying insurance.Prevent & Protect is sold to the property manager, with their owners as beneficiaries; this creates a unique differentiator for the property manager and supports their business growth, both in the UK and globally.

房屋共享是英国一个重要的增长经济部门，每年产生20亿英镑的租金收入，预计到2027年将增长到26亿英镑。到2027年，全球约有130亿英镑。业主通过基于技术的预订平台和Airbnb和booking.com等物业管理公司分享他们的房屋-不仅是度假者使用，而且不想连续获得非个人酒店体验的游牧工人也使用。这种房屋共享经济带来了新的挑战-财产使用的变化和未知的客人有时会导致不幸的破坏。可悲的是，保险保护并没有跟上，房屋共享经常使基础房屋保险无效。当保险没有覆盖他们的损失时，业主就会赔钱。无论对错，业主都认为平台和物业管理公司对这个问题负有责任。一些竞争对手声称可以解决这个市场问题，但他们的提议通常都不尽如人意，让业主感到困惑和失望，使他们不愿意继续分享他们的财产。通过首先验证客人的身份，该提议有助于防止不好的事情发生。如果他们这样做，该提案将保护业主，并涵盖其基础保险中的任何缺口或无效。预防和保护出售给物业管理公司，业主作为受益人;这为物业管理公司创造了独特的差异化优势，并支持他们在英国和全球的业务增长。