A better -- but still not really P2P -- example of social insurance is https://wearesosure.com https://wearesosure.com (UK mobile phone only for now) With So-S

A better -- but still not really P2P -- example of social insurance is https://wearesosure.com https://wearesosure.com (UK mobile phone only for now) With So-Sure you link up with friends and are bonused if nobody claims. Of course that means nobody links with that friend that always loses their phone, which in theory reduces their risk and pays for the bonus.