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The concept of P2P insurance: A Review of Literature and EIOPA Report

Peer-to-peer insurance platforms (P2P insurance), in Poland often called “social platform insurance”, are entering the European insurance market. Although this is not the case for the Polish insurance sector yet, the concept keeps evolving rapidly. P2P insurance is often considered an alternative to the traditional form of insurance. As yet, no legally relevant definition of P2P insurance has been created, and no insurance regulation refers to such platforms. This paper seeks to provide an overview of the existing research both in Polish and foreign literature, to analyze various contributions, highlight current research deficits and future research directions. Finally, the paper attempts to address key research questions which have been already raised in respect of P2P insurance, particularly in the context of the Polish insurance regulations.

