---
title: "Driving Insurance Innovation: Yolo"
url: "https://www.guidewire.com/de/resources/blog/industry-trends/driving-insurance-innovation-yolo-0.md"
language: "de"
locale: "de"
---

# Driving Insurance Innovation: Yolo

2019-02-16T00:00:15Z

This is the final blog in my EMEA insurtech miniseries highlighting unique innovators in the European insurance industry. Enjoy!

## Driving Insurance Innovation: Yolo

### Chief Evangelist

As Chief Evangelist at Guidewire Software, Laura Drabik keeps her finger on the pulse of insurance industry disruption to coach insurers on ways to innovate their business and achieve a competitive advantage.

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/project/guidewire/guidewire/people/blog-author-laura-drabik.jpeg?h=380&iar=0&w=505)

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/project/guidewire/guidewire/people/blog-image-laura-drabik-350w.jpeg?h=350&iar=0&w=350)

[LinkedIn](http://)

As Chief Evangelist at Guidewire Software, Laura Drabik keeps her finger on the pulse of insurance industry disruption to coach insurers on ways to innovate their business and achieve a competitive advantage.

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Laura Drabik

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### Industry Trends

This is the final blog in my EMEA insurtech miniseries highlighting unique innovators in the European insurance industry. Enjoy!

**Who?**

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/project/guidewire/guidewire/blog/images/blog-20190215-yolo-1.png)

Yolo, an insurtech startup based in Milan, Italy, is an insurance broker that distributes on digital channels for major international insurance groups. The organization offers temporary insurance for objects and people. Protection is instantaneous, and consumers are protected from the moment of purchase.

**What is its value proposition?**

The insurance coverage Yolo provides is offered on demand and is both simple and convenient to quote and purchase digitally. The coverage is for as much as customers want for as long as they want – think days or months rather than a 12-month term.

Yolo currently offers 11 different types of coverage, including these:

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/project/guidewire/guidewire/blog/images/blog-20190215-yolo-2.png)

The quote process is super simple. For Smartphone coverage, for example, just select your smartphone brand and model from a drop-down menu and the premium immediately appears.

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/project/guidewire/guidewire/blog/images/blog-20190215-yolo-3.png)

It’s just as simple for travel insurance.

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/project/guidewire/guidewire/blog/images/blog-20190215-yolo-4.png)

**The opportunity?**

Yolo provides insurers with a flexible platform to create and manage their on-demand insurance offerings. The Yolo platform provides the following:

- A marketplace fully integrated with the systems of major insurance companies
- Front-end web technologies, web apps, and native apps (Android and iOS)
- A chat system for “customer happiness”

**Want more details?**

Read an article about Yolo [here](https://www.economyup.it/fintech/yolo-la-startup-dellinsurtech-ora-assicura-anche-cellulari/).

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/project/guidewire/guidewire/blog/thumbnails/driving-insurance-innovation-yolo-0.png?h=337&iar=0&w=590)

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