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The self-governing P2P insurance business
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Resumo(s)
As InsurTechs vieram revolucionar a indústria seguradora através da introdução de
novos modelos de P2P, como o self-governing model. O objectivo principal desta tese é
identificar se o modelo em análise representa ou não uma descaracterização do contrato
de seguro tradicional. As técnicas às quais este modelo recorre oferecem desafios aos
reguladores e ao próprio mercado, apresentando novas soluções aptas para satisfazer a
necessidade de seguro e, contudo, não podendo ser enquadradas no actual quadro
regulatório para efeitos de licenciamento. Uma vez que recorrem a grandes quantidades
de dados através de tecnologia como seja a AI, os seguros P2P metem em causa a
estabilidade do mercado e a protecção dos consumidores, tornando instrumentos
intersectoriais como o RGPD essenciais. O foco não está na existência de um contrato de
seguros mas sim na presença de seguro.
InsurTechs revolutionized the insurance industry introducing new P2P models such as the self-governing model. The main goal of this thesis is to identify if the self-governing P2P business model represents a mischaracterization of the traditional insurance contract. The disruptive techniques such model uses offer the regulators and the market itself challenges by presenting new solutions clearly made to satisfy the need for insurance yet not falling easily under its scope namely for licensing purposes. Given its use of large data sets and technology such as AI, P2P insurance endangers both market stability and consumer protection, making cross-sectoral regulation such as the GDPR essential. The focus shouldn't be on the existence of an insurance contract but on the presence of insurance.
InsurTechs revolutionized the insurance industry introducing new P2P models such as the self-governing model. The main goal of this thesis is to identify if the self-governing P2P business model represents a mischaracterization of the traditional insurance contract. The disruptive techniques such model uses offer the regulators and the market itself challenges by presenting new solutions clearly made to satisfy the need for insurance yet not falling easily under its scope namely for licensing purposes. Given its use of large data sets and technology such as AI, P2P insurance endangers both market stability and consumer protection, making cross-sectoral regulation such as the GDPR essential. The focus shouldn't be on the existence of an insurance contract but on the presence of insurance.
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P2P Insurance Insurance law Data protection Insurance Regulation Artificial intelligence InsurTech