{"id":9276,"date":"2022-09-28T07:58:21","date_gmt":"2022-09-28T07:58:21","guid":{"rendered":"https:\/\/rebrand2.battleface.com\/?post_type=partner-insights&p=9276"},"modified":"2025-04-07T11:50:37","modified_gmt":"2025-04-07T11:50:37","slug":"embedded-insurance-is-broken-here-is-how-to-fix-it","status":"publish","type":"partner-insights","link":"https:\/\/www.battleface.com\/en-gb\/partner-insights\/embedded-insurance-is-broken-here-is-how-to-fix-it\/","title":{"rendered":"Embedded insurance is broken. Here\u2019s how to fix it"},"content":{"rendered":"\t\t
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From food delivery fees to priority boarding, convenience has always come at a cost.<\/p>

But the cost being borne by travelers is increasingly low-quality products and services when they\u2019ve opted to purchase travel insurance embedded on a flight or hotel booking path.<\/p>

You\u2019ve seen the products, right? Offering you the chance to protect your flight against cancellation, your rental car against a minor bump, your vacation property against a red-wine spillage.<\/p>

No arduous research required, no navigating to another website. Just check that box and the coverage gets added to your existing order. Easy!<\/p>

When that traveler has to make a claim, however, they soon discover the product they paid for is riddled with exclusions and lacking the most basic customer support.<\/p>

Why? Because some of the world\u2019s most popular online booking systems are operating under a business model which is essentially broken.<\/p>

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Sky-high commissions<\/h4>

The world\u2019s biggest travel and accommodation booking platforms generate traffic that can be measured in the tens \u2013 or hundreds<\/i> \u2013 of millions of visitors each month. That makes them awfully alluring for insurance companies hoping to bag a place on their purchase paths.<\/p>

It also means those platforms can command outrageously high commissions \u2013 as much as 60-70% of upfront revenue for any insurance product that is purchased.
How can insurers spare such massive commissions? By cutting costs, of course. That means offering one-size-fits all products, ramping up exclusions, slashing customer support, and finding reasons not to pay out claims.<\/p>

The net effect? The \u2018convenient\u2019 coverage that was purchased on a whim leaves the customer in automated-phone hell and sours their overall perception of travel insurance when their claim is denied.<\/p>

And who gets the blame? Ultimately, the platform where they were offered the product in the first place. Not a good way to generate repeat business, right?<\/p>

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Transforming insurance from purchase to pay out<\/h4>

How is battleface different? We\u2019re committed to carving out a new relationship between insurer, partner and customer by focusing on high-quality, modular travel insurance designed around how people really<\/i> see the world.
That means easy-to-understand customized coverage, clear exclusions, and customer support from people \u2013 not automated systems.<\/p>

Through extensive A|B testing, custom builds, segment benefits and more, battleface\u2019s partners benefit from increased customer satisfaction and higher conversion rates. And a more equitable rate of commission allows us to maintain standards of cover, support, and claims management.<\/p>

We\u2019re set up to partner with insurtech, traveltech, fintech & neobanks, hotels, registration platforms, online booking engines and more.<\/p>

Just get in touch and we can arrange to go through every option and how it\u2019ll benefit your business.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"featured_media":9411,"template":"","partner-insight-category":[123],"partner-insight-tag":[147,146,137],"class_list":["post-9276","partner-insights","type-partner-insights","status-publish","has-post-thumbnail","hentry","partner-insight-category-united-states","partner-insight-tag-embedded-insurance-is-broken","partner-insight-tag-partner-insights","partner-insight-tag-partnering-with-battleface"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.battleface.com\/en-gb\/wp-json\/wp\/v2\/partner-insights\/9276","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.battleface.com\/en-gb\/wp-json\/wp\/v2\/partner-insights"}],"about":[{"href":"https:\/\/www.battleface.com\/en-gb\/wp-json\/wp\/v2\/types\/partner-insights"}],"version-history":[{"count":2,"href":"https:\/\/www.battleface.com\/en-gb\/wp-json\/wp\/v2\/partner-insights\/9276\/revisions"}],"predecessor-version":[{"id":35837,"href":"https:\/\/www.battleface.com\/en-gb\/wp-json\/wp\/v2\/partner-insights\/9276\/revisions\/35837"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.battleface.com\/en-gb\/wp-json\/wp\/v2\/media\/9411"}],"wp:attachment":[{"href":"https:\/\/www.battleface.com\/en-gb\/wp-json\/wp\/v2\/media?parent=9276"}],"wp:term":[{"taxonomy":"partner-insight-category","embeddable":true,"href":"https:\/\/www.battleface.com\/en-gb\/wp-json\/wp\/v2\/partner-insight-category?post=9276"},{"taxonomy":"partner-insight-tag","embeddable":true,"href":"https:\/\/www.battleface.com\/en-gb\/wp-json\/wp\/v2\/partner-insight-tag?post=9276"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}