Bernard Lunn of Daily Fintech offers the concept of two types of FinTech (InsurTech) start-ups:  those out to eat your lunch, and those who can bring you lunch.

The latter of course fit with Nick Martin's assertion in the recent InsTech London podcast about much of the InsurTech space NOT being a zero-sum game.

The specific example being considered is Allianz' investment in Simplesurance.