One of the biggest annoyances in this life is when someone puts you in a box which you don’t feel like applies to you. For example, Insurance companies, governments during visa applications, teenagers picking on each other at high school.
Any tech which helps alleviate this pain is most excellent, which is why I think this product might just be the way of the future for insurance: https://www.sanlam.co.za/gocover/Pages/default.aspx
Being able to pick and choose elements of insurance for your specific needs through a mobile phone sounds a lot less box-like to me than the existing models of insurance.