保險(xiǎn)公司進(jìn)軍租賃保障

Insurance companies are not known for being fleet of foot but the industry is having to catch up with the fact that customers often no longer need long-term cover in an economy where goods are rented rather than owned.

保險(xiǎn)公司并不以行動(dòng)敏捷聞名，但這個(gè)行業(yè)不得不跟上這樣一個(gè)形勢(shì)：在一個(gè)租用而非擁有商品的經(jīng)濟(jì)中，客戶(hù)往往不再需要長(zhǎng)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(xiǎn)業(yè)高管們被時(shí)任英國(guó)首相戴維•卡梅隆(David Cameron)召入唐寧街10號(hào)，后者擔(dān)心缺乏保險(xiǎn)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(guó)保險(xiǎn)經(jīng)紀(jì)協(xié)會(huì)(British Insurance Brokers’ Association)首席執(zhí)行官格雷姆•特魯吉爾(Graeme Trudgill)表示，從保險(xiǎn)的角度來(lái)看，租賃所附帶的風(fēng)險(xiǎn)與所有權(quán)所附帶的風(fēng)險(xiǎn)截然不同——而保險(xiǎn)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(xiǎn)讓我很頭疼?？吹綐I(yè)主怎樣試圖上保險(xiǎn)，感覺(jué)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(xiǎn)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(xiǎn)，后者讓人們將自己的汽車(chē)出租給其他人。同時(shí)，英國(guó)保險(xiǎn)公司Admiral剛剛推出了Veygo，后者讓使用汽車(chē)的非車(chē)主能夠?yàn)樽约和侗！?/p>

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(duì)鮑爾斯來(lái)說(shuō)，問(wèn)題在于住宅保險(xiǎn)條款，這些條款本來(lái)都是為長(zhǎng)期居民或房東設(shè)計(jì)的。它們沒(méi)有一個(gè)是為那些有時(shí)自住、有時(shí)出租的房產(chǎn)設(shè)計(jì)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(yíng)著Guardhog，后者是試圖填補(bǔ)這一市場(chǎng)空白的眾多公司之一。Guardhog推出的住宅保險(xiǎn)是對(duì)傳統(tǒng)保單的補(bǔ)充，對(duì)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(shuō)：“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(xiǎn)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(xiǎn)公司的目標(biāo)不只是房產(chǎn)和汽車(chē)租賃。其他保險(xiǎn)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(guò)自由職業(yè)賺取額外收入的人設(shè)計(jì)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(kāi)始為自由職業(yè)者提供保險(xiǎn)。其創(chuàng)始人簡(jiǎn)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(xiǎn)，但市面上可以買(mǎi)到的只有年度保單。”