Viewing profile — zerni

Here’s another one. One day I started an old device which apparently loaded OneDrive and my entire OneDrive (150GB) got wiped. It still showed links under recent files but the actu…

Laka | Full-time | London, Bristol in UK | Senior Software Engineer | https://laka.co or apply directly https://apply.workable.com/laka * Software Engineer (Senior) Feel free to dr…

The root of this problem is the conflict of interest in insurance. You lose money when settling claims. There are some companies addressing this problem for consumers. Look at Lemo…

There are 3 things this article ignores that are crucial to evaluate your risk/value from insurance. 1) The article ignores individual risk and pooling of such risk. Insurance is n…

It’s called first party insurance. You are just insuring your own property and for any damages the insurer will just go after the party at fault if it isn’t you (or “you” as define…

Laka | Full-time | London, Bristol in UK | multiple roles | https://laka.co or apply directly https://apply.workable.com/laka * Digital Product Manager * Product Designer * QA/Test…

What about damage? Can you get any insurance for that?

Maintenance is indeed tricky. Our way out is probably that the minimum bike value has to be £500 but the average customer has a multiple of that value and bikes at home. Passionate…

“What about bicycle insurance? It's fairly expensive here in the UK, usually 10-15% of the bicycle's value annually and insurers typically only pay out when the whole bicycle is ta…

Given the relatively small size of their book, a few outlier claims can destroy all their economics. It should regulate over time.

Working in “InsurTech” myself... I’d say customer acquisition is the biggest cost and insurance companies are terrible at it because differentiation is almost impossible in a price…

Let's assume everyone takes a car instead of public transport. Where do you think people will be parking in cities like New York or London? There is no way cars are the solution to…

Founder of a bicycle insurer here and I can tell you that the only way to deter people is by parking in secure private or public spaces (never, ever semi-public) and by making your…

I was looking for a library who makes creating responsive layouts simple. If they bring some opinion in regards to styling that would be fine too but I would probably look to apply…

There are a multitude of options out there to build your own website/web app from scratch. Looking at Github these are the top 3 repos by stars: - Bootstrap (twbs/bootstrap) - Mate…

Check out unumotors.com

Definitely sendgrid!

If there are outliers and the premium would skyrocket we cap your premium at market rate through an agreement with a reinsurer. It's a standard financial tool insurers are using as…

That's exactly what it is. You benefit on the upside but if there are outliers and the premium would skyrocket we cap your premium at market rate through an agreement with a reinsu…

Very good point. Conflict of interest is the real flaw in the insurance business model. What other industry makes more money when their customers slip up?! Insurers try to protect …

Regulation is based on country instead of changing from state to state. The EU helped to streamline most of it for all European countries so you can float freely by passporting acr…

There are alternatives.. we are setting up an insurer with a new business model in the UK. We earn a flat fee every time we settle a claim for members of our community - they provi…