Since 2010, the tech giants—particularly the “3As” (Amazon, Apple, and Alphabet [Google’s parent company])—have begun to expand their horizons in pursuit of new business opportunities. From retail to the automotive sector, these companies have learned to use the colossal competitive advantages built on data analysis, user relationships, and the skills of innovative computer engineers to bring about a profound transformation of certain markets. It was only a matter of time before they began to turn their thoughts to insurance and take their first steps in that world. Here, we will be looking at the specific cases of health, motoring, and home insurance, demonstrating how new partnerships are striving to come up with innovative solutions. We will also be exploring the consequences of these changes, which invite us to reevaluate the role of data, now once again at the core of the insurance profession. Finally, we will consider whether this innovation could in fact be seen as a return to the roots of the very concept of insurance: the pooling and distribution of risk… (to be continued on cairn-int.info)