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

在英国，房屋共享是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。2027年的全球等价物约为130亿英镑。业主通过Airbnb和booking.com等基于技术的预订平台和物业管理公司分享自己的房屋——不仅度假者会使用这些平台，游牧工人也会使用这些平台，他们不希望连续不断地获得非个人的酒店体验。这种房屋共享经济带来了新的挑战——房产使用的变化和不知名的客人有时会导致不幸的损坏。不幸的是，保险保护并没有跟上，房屋共享经常使基础的房屋保险失效。当他们的保险没有涵盖他们的损失时，业主就会赔钱。不管是对是错，业主都认为这个问题的责任在于平台和物业管理公司。一些竞争对手声称解决了这个市场问题，但他们的主张通常都达不到要求，让业主感到困惑和失望，使他们不愿继续分享自己的房产。Prevent & Protect from Pikl解决了这个问题。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，该提案将保护所有者并覆盖其基础保险中的任何空白或失效。prevention & Protect出售给物业管理公司，业主为受益人；这为物业经理创造了独特的优势，并支持他们在英国和全球的业务增长。

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.