When I started with Neos I was genuinely surprised at quite how on the ball the insurance industry is. I'd had the same impression that it was a bunch of people

When I started with Neos I was genuinely surprised at quite how on the ball the insurance industry is. I'd had the same impression that it was a bunch of people stuck in the 90s throwing together spreadsheets and hoping for the best. What I've actually seen is a lot of companies providing some pretty advanced technology (just a single example, a company which given an address can return the projected cost in claims over a year, broken down by types of claim), and a lot of people who's entire job is to take large amounts of data and extract insight into people's behaviour from it, it really wouldn't surprise me if some of these data teams are on a par with Google's ad-targeting teams. Having said that, there are a great many advantage to doing greenfield development in an industry full of entrenched companies who've been around for a long time, mostly around the level of complexity. We can get away with much simpler solutions because we're currently super focused on home insurance so don't need to deal with all the edge cases around providing fifteen different types of cover.