ETAP Qorus-NTT DATA Innovation in Insurance Awards 2025

ETAP is an innovative insurtech redefining mobility insurance in Africa by making it seamless, rewarding, and accessible. Our AI-powered platform enables users to buy insurance in just 90 seconds, file claims in under 3 minutes, and get rewarded for safe driving. We leverage gamification, embedded insurance, and instant claims processing to drive insurance penetration in a market where over 95% of vehicles remain uninsured.

Our core objectives include: Eliminating friction in insurance through a digital-first approach. Encouraging responsible driving by rewarding safe drivers with discounts and benefits. Enhancing accessibility by enabling flexible premium payments and digital distribution. Expanding mobility insurance adoption through strategic partnerships with insurers and businesses.

Reasons Behind the Innovation The African insurance market faces a major penetration gap due to legacy systems, distrust, and complex claims processes. Many vehicle owners avoid insurance due to cumbersome paperwork and delayed claims payments. ETAP was created to remove these barriers by making insurance as easy as ordering a ride-hailing service—fast, transparent, and rewarding.

State of Competition While traditional insurers dominate the market, most still rely on offline distribution and slow claims processing. Some emerging insurtech players exist, but few focus on mobility insurance with the level of automation, gamification, and seamless user experience that ETAP offers. Our differentiation comes from: -AI-powered instant claims processing, which eliminates long wait times. -Gamified rewards system, turning insurance into an engaging experience. -Embedded insurance partnerships, making coverage more accessible at the point of need. -Seamless digital experience, ensuring end-to-end automation.

Sources of Inspiration ETAP draws inspiration from global pioneers in embedded and digital insurance, as well as fintech platforms that have revolutionized payments and financial services. Companies like Betterfly and Lemonade have influenced our approach. However, we tailor our model specifically for the African market, considering local behaviors, regulatory landscapes, and technology adoption trends.

Departments Involved ETAP operates as a cross-functional organization where multiple departments collaborate to drive innovation: Product & Engineering – Develops the AI-powered platform and user experience. Data Science & AI – Powers risk assessment, dynamic pricing, and claims automation. Marketing & Growth – Educates and acquires users through digital campaigns and partnerships. Sales & Business Development – Expands distribution via partnerships with auto companies, ride-hailing platforms, and insurers. Customer Operations – Ensures a seamless claims experience and customer support.

Main Results So Far ETAP has made significant strides in transforming the mobility insurance landscape: -Expansion into Ghana with regulatory approval and a strategic partnership with Hollard Insurance. -Thousands of policies sold, demonstrating strong demand for our seamless insurance experience. -Industry recognition and partnerships with leading insurers and auto companies. -High customer retention rates, indicating trust and satisfaction in our service.

With our ongoing expansion, strategic collaborations, and continuous platform enhancements, ETAP is set to redefine mobility insurance across Africa.