Driver Earnings Protection Qorus-NTT DATA Innovation in Insurance Awards 2026
SingaporeCategory
Product & Service InnovationKeyword
Car & Mobility insurance, Micro Insurance, Embedded finance & Super apps, AccessibilityBusiness Line
Accident Insurance, Income protectionDistribution Channel
Online / Direct
Innovation presentation
Customer Problem: Gig workers only earn when they work, making it difficult for them to find time during family emergencies or recover when non-standard accidents disrupts their earning period.
Solution Concept: Working with the Driver Benefits team, jointly creating a subscription program with insurance elements that provides i) Compensation when passengers cancel a trip after the driver has spent substantial time on the job, ii) Compensation when a loved one passes away, affording the driver money to take time off, and iii) compensation when vehicles become unfit for work due to vomit or soiling.
Subscription will be done on a per trip basis, making it fractional and fair to both part timers and full timers.
The concept will be customised to the key pain points that drivers face in each market.
Competition: none
Departments Involved: Driver Benefits team, Insurance
Key Results: Surpassed 6 month penetration target by 2x within 3 months, vastly positive investment payback, and positive NPS impact
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