Much of the potential insurance disruption we are seeing is coming from non-insurance people having ideas they realise may impact insurance. Phoebe Hughs is not that. She started her career in insurance, spotted a gap, and instead of talking about it and then going back to the 9-5 she has made the change to entrepreneur to try and exploit the opportunity.

See the linked article for more information. It will be interesting to follow Hey Brolly's highs and lows over the coming years as it slogs down the challenging path it has chosen. Good luck to Phoebe and Chris, I say!