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Embedded Insurance

Selling Insurance at the Vehicle Point of Sale​

There are two moments when drivers think about their auto insurance - right after an accident, and when buying a car.

Embedded Insurance and Auto Sales

The industry term for selling insurance at a Point of Sale, like at the Vehicle Point of Sale, is Embedded Insurance. The sales flow for the insurance product is embedded in another product's sales flow, such as buying or leasing a new, certified pre-owned, or used vehicle.

Three Pillars of Embedded Insurance​

At Digitus, we believe three pillars are critical to the success of Embedded Insurance in the Auto Industry:

  • The User Experience and Branding must be easy and natural
  • The Price and Features must be compelling
  • The Digital First insurance sales experience must be supported by Licensed Agents who can answer customer questions

For the benefit any engineers in the audience, we also add two additional technical principles to guide our technical architecture.

  • The Backend Architecture must be API driven
  • The Frontend Architecture must respect that Online and In-Dealership sales flows are both critical to the industry.

Digitus equips dealerships, OEMs, insurers and MGAs, and online channels (including 3rd party finance companies) with the tools to help drivers purchase auto insurance at the Vehicle Point of Sale for new and certified pre-owned vehicles.