The behavioural case for embedded distribution, with numbers from live partner journeys.
Every insurance marketer knows the numbers: standalone insurance sites convert low single digits of the traffic they pay dearly for. Meanwhile, the same customer who ignores an insurance ad will accept cover in one tap when it's offered at the right moment. The difference isn't the product. It's the context.
The intent is already there
A customer completing a car purchase has already decided to own a car — and everything car ownership implies. Insurance at that moment isn't a new decision; it's the completion of one already made. Our partner journeys show attach rates 8–14× higher at checkout than the same offer sent by email one week later.
Friction compounds
Every field you ask a customer to re-enter costs conversion. Embedded journeys start with what the platform already knows — the vehicle, the value, the customer's verified identity — so the quote is one screen and the purchase is one tap.
- Pre-filled vehicle data cuts quote abandonment by more than half.
- A single payment (product + policy together) outperforms split payment flows everywhere we've measured it.
- Instant policy issuance closes the loop: the certificate arrives before the customer leaves the page.
What this means for platforms
If you have the transaction, you have the moment. The question is no longer whether embedded insurance converts — it's whether it's your platform earning the margin on it, or nobody.