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INTRODUCING

1st of June 2017, Leiden

INSHARED

Fleur Dujardin

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INSHARED HOLDING

No regular Insurance Company

No regular IT company

Successful challenger

Unrivalled digital platform

THREE LINES OF BUSINESS

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INSHARED & ACHMEA INNOVATION IN THE PERIPHERY

Exceptional position

Short time-to-market

Customer-centric Design

Commitment and Empowerment

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INSHARED

Launched 2009 as a greenfield

Full P&C player

We All Benefit

100% digital

High NPS score in the P&C market

Low cost ratio in the market

> 500.000 policies

40 FTE organisation

10% market share in online car insurances

Up to a 100 people working for InShared, Hema and OutShared

KEY FACTS

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INSHARED

1-6-2017

SOLID DNA AND VISION

InShared has introduced a new standard in insurance and proves that insurance can be more honest, easier and cheaper. We believe self-service is the best service for our clients.

Our digital platform is the core of our honest and digital service. Encouraging and enabling business and IT to continuously collaborate.

This platform is scalable, both for our own operations and for other players in The Netherlands and internationally

In developing new products and services we try to disrupt the market and solve our customers’ and/ or our industry’s issues.

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INSHARED LEVERAGES FOUR ASSETS

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KEY TO BUILD UPON

Brand Data & pricing

Platform Start up Mentality

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Financial red

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TODAY…

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THE ERA OF THE CUSTOMER

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ONLINE GENERATION

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MORE THAN 50% IS SOLD ONLINE

NON – LIFE INSURANCE MARKET THE NETHERLANDS

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AND TWO THIRD RESEARCHED ONLINE

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Light Green

RGB-KLEUREN

Dark Green

R 209 , G 147, B 002

R 082 , G 083, B 135

R 065 , G 127, B 162

R 134 , G 135, B 034

R 074 , G 121, B 076

Financial red

R 210 , G 159, B 165

Orange

Gold

R 229 , G 123, B 003

R 179 , G 143, B 075

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1-6-2017

MEET INSHARED

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HIGH CLIENT SATISFACTION & LOW COST RATIO

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INSHARED - WE ALL BENEFIT IN CASE CLAIMS ARE <75% WE PAY BACK MONEY TO OUR CLIENTS

Launched 2009 as a greenfield, since 2016 Achmea 100% shareholder

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CUSTOMER HAPPY WITH SELF SERVICE DIGITAL POLICY FILE

Launched 2009 as a greenfield, since 2016 Achmea 100% shareholder

FULL INSIGHT - 24/7 ACCESS ONLINE

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Launched 2009 as a greenfield, since 2016 Achmea 100% shareholder

INSTANT ANSWERS - 90% SELF-SERVICE

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MOBILE FIRST STRATEGY

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NO APP YET EASY-TO-USE RESPONSIVE WEBSITE

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50% INTERACTIONS VIA MOBILE INSHARED LEADING WITH 1/3 MOBILE SALES

Launched 2009 as a greenfield, since 2016 Achmea 100% shareholder

14% mobile

33% mobile

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SETTLE A CLAIM ONLINE VIA STP

1-6-2017

60% NOTIFIED ONLINE AND 50% STP

Car Repair

NPS+ 39

Claims overall

NPS+ 29

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EVENT DRIVEN NOTIFICATION OF LOSS TRANSPARENT IN CONSEQUENCES

Launched 2009 as a greenfield, since 2016 Achmea 100% shareholder

Online claims a customer-centric design

Event driven process

Real-time fraud checks

Real-time insight in consequences for client

Real-time appointment repair shop

All correspondence in policy folder

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HIGH CLIENT SATISFACTION & LOW COST RATIO

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(ONLINE) SUCCESS A SIMPLE EQUATION JOINT EFFORT MARKETING, DATA& IT

Traffic Conversion Margin/order Total margin

Brands with highest conversion and margin/order are winners. They will have the most budget to generate extra traffic.

Marketing

People

IT

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PROFILING CONVERSION PROBABILITY RIGHT CHANNEL FOR RIGHT PROSPECT

Launched 2009 as a greenfield, since 2016 Achmea 100% shareholder

Social 1st visit

E-mail 2nd visit

SEA 3rd visit

SEO 4th visit

Which channels used to influence optimally?

Which prospects have highest probability to convert?

Marketing

People

IT

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DYNAMIC PRICING

Smart pricing a continuous process between business & IT

Propensity to conversion

Price sensitivity

Competitor pricing

Granular level historic data

Client value data

Behavioral data

Cost level of products

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PROPENSITY TO CONVERT ELEMENT OF PRICING

Marketing

People

IT

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DIGITIZE WHAT CAN BE DIGITIZED

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ACCEPTANCE FULLY DIGITAL, WEBSERVICES KEY

Webservices

A2SP Car data and pictures

Clearinghouse Loss recovery third party

EDM/ Bisnode Geographic data

Fish Fraud data

Friss Fraud data checks acceptance and claims

iDEAL Payments

InfoFolio Data homes and residences

RDW Car registration

Roy Data Claims free years

Webservices.nl Postcode validation

VWE Data other vehicles

Marketing

People

IT

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PEERLESS PLATFORM, IN HOUSE DEVELOPED

Technical platform

Integrated Architecture

Single source of truth

Webservices

People Platform

A team with a business drive

Way of working

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VITAL TO SELF-SERVICE PROPOSITION

DATABASE

ADMINISTRATION

DATABASE

CMS

WEBSITE

CYNOSURE

WEBSITE

DATABASE

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People

IT

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DIGITAL PLATFORM

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MULTI-LABEL, MODULAR SET-UP

Omni distribution and Brand

Product, Customer en Claims administration InShared N L

Product, Customer en Claims administration HEM A

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Omni distribution and Brand

Product, Customer en Claims administration InShared N L

Product, Customer en Claims administration HEM A

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INSHARED HAS GAINED A POSITION

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IN FINTECH LANDSCAPE

Fuchsia R 193 , G 086, B 131

Yellow

Purple

Blue

Light Green

RGB-KLEUREN

Dark Green

R 209 , G 147, B 002

R 082 , G 083, B 135

R 065 , G 127, B 162

R 134 , G 135, B 034

R 074 , G 121, B 076

Financial red

R 210 , G 159, B 165

Orange

Gold

R 229 , G 123, B 003

R 179 , G 143, B 075

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VOLUME

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VOLUME VOLUME

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VOLUME MODEL: DOUBLING IN SIZE, CONSTANT COSTS

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COST RATIO IMPROVED BY 50% IN FIVE YEARS

New revenue stream: OutShared

offering our platform to others in SAAS

Reinvest profits in growth, innovation

and our platform

Cost Ratio continues to decrease & Profit

Potential increases

MIO

EU

R

years

35 % cost ratio

18 % cost ratio GWP + 100%

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CONVERSION PORTFOLIO TO OUTSHARED PLATFORM

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PROVEN RESULTS IN COST AND LOSS RATIO

Proven results within one year

Cost ratio down by Loss ratio down by Client Churn

cleaning up the risk portfolio

< 4%

GWP

Loss

Operational costs

31M

97%

27.5%

Original situation

30M

82%

12%

After conversion

> 50 %

2017: 75%

Fuchsia R 193 , G 086, B 131

Yellow

Purple

Blue

Light Green

RGB-KLEUREN

Dark Green

R 209 , G 147, B 002

R 082 , G 083, B 135

R 065 , G 127, B 162

R 134 , G 135, B 034

R 074 , G 121, B 076

Financial red

R 210 , G 159, B 165

Orange

Gold

R 229 , G 123, B 003

R 179 , G 143, B 075

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WRAP UP

1-6-2017

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KEY MESSAGES

With a pure digital model InShared is uniquely positioned in the market

Integrated way of working: business and IT go hand in hand

Excellent customer experience at low cost rates

InShared doubled in volume at constant costs

A pure digital organisation means self-service, STP and smart use of data

People and mindset are key

Our scalable platform: key lever of growth and additional revenue

Solution for greenfields and existing portfolios

Reinvesting in growth, platform and innovation

INSHARED