Why Stop at ONE? A Look at Chatbot/Charity Schemes

A look at new insurance schemes that are part chatbot and part charity-slash-giveback.


1. Adam Riese

The German insurer offering personal lines coverage will make occasional donations to betterplace.org.




The Hungarian D2C brand of UNIQA Group offers a chatbot named Emma and allows users to collect ‘cherries’ if they take part in risk-reduction games that can later be used to reduce the insurance premium or to support a charity or a community of choice.



3. eColon 

The Buenos Aires-based digital insurer of Colón offers motorcycle insurance via a chatbot called Julieta. Also, it incorporated a charity component to its offer by donating 10 pesos to a recognized organization for each new policy sold digitally.



4. Hedvig

The Stockholm-based home insurance provider retains a 20% fee and returns any unclaimed money to charity.


5. Huddle

The Sydney-based Certified B Corp offers personal lines insurance (think: car, travel, and home insurance) via a chatbot called Flo. It incorporated a Giveback component in which it shares surplus profits with the causes and charities their customers care about.




6. Lemonade 

The NYC-based Certified B Corp-slash insurer offers renters and home insurance via a chatbot called Maya and the ability to claim via a chatbot called Jim. Also, the insurer incorporated a Giveback component into its scheme, in which any unclaimed money in Lemonade’s piggy bank is donated to a charity selected by the policyholders.



7. Luko

The Paris-based MGA offering a smart home insurance has a giveback scheme, in which it retains a 30% fee with the remaining unclaimed money left being donated to an organization of choice.



8. Naked 

The Johannesburg-based intermediary offers auto insurance via a chatbot called Rose. Also, it incorporated the Naked Giveback, to support positive change in South African communities via unclaimed premiums, after Naked collects its 20% fee.



9. ONE 

The Vaduz, Liechtenstein-based digital insurer by wefox offers household and liability insurance via a chatbot called Miri. Also, it operates a bonus system: anyone who has not caused any damage or refers a friend, gets a bonus point that later can be converted into charitable donations, premium reduction, or cash.