"P2P in an insurance context means a community, coming together with a common interest, and with that influencing behaviour."

So said Tobi Taupitz, the co-founder and CEO of Laka, when Diccon from Tällt went to meet with him at their offices in London.

With customers paying monthly in arrears for their insurance, and with the potential for a zero premium if their insurance pool makes no claim, Laka has a compelling model which puts the customer at the heart of the business. Tobi talks about why that's a good thing, and how they hope to disrupt the incumbent competition as they expand into new niches.