William C. Wilson Jr. iterates an important point that most of the presenters at our InsTech London event have clearly understood. Namely that insurtechs' and new insurance players' focus should not be about speed-to-buy until the actual cover is the correct one.

Great that people have created a purchase path for travel insurance that spots you're abroad, sends you a message, you reply with a thumbs-up, and then you're covered. Except... when the moment of truth occurs and the insurance is supposed to be there for you, you find out that there was an exclusion or excess, or some other limitation that clearly mismatched the cover with your real need.

Solutions like Flock beautifully manage both - fulfilling a consumer/SME need, and doing it with an intuitive, easy-to-use interface.

Beware chicken nuggets and gummy bears as William points out...