zerni

5 ms·

1.
by zerni 3y ago
Here’s another one. One day I started an old device which apparently loaded OneDrive and my entire OneDrive (150GB) got wiped. It still showed links under recent files but the actual files were gone. Customer support said they can’t do anyt
2.
by zerni 3y ago
Laka | Full-time | London, Bristol in UK | Senior Software Engineer | https://laka.co or apply directly https://apply.workable.com/laka * Software Engineer (Senior) Feel free to drop me a line at jens@laka.co.uk
3.
by zerni 5y ago
The root of this problem is the conflict of interest in insurance. You lose money when settling claims. There are some companies addressing this problem for consumers. Look at Lemonade.com, they do not benefit from not paying out as their m
4.
by zerni 5y ago
There are 3 things this article ignores that are crucial to evaluate your risk/value from insurance. 1) The article ignores individual risk and pooling of such risk. Insurance is nothing else than a group of people sharing the cost of
5.
by zerni 5y ago
It’s called first party insurance. You are just insuring your own property and for any damages the insurer will just go after the party at fault if it isn’t you (or “you” as defined in their policy wording). Pretty simple way to keep rates
6.
by zerni 6y ago
Laka | Full-time | London, Bristol in UK | multiple roles | https://laka.co or apply directly https://apply.workable.com/laka * Digital Product Manager * Product Designer * QA/Test Engineer Feel free to dro
7.
by zerni 6y ago
What about damage? Can you get any insurance for that?
8.
by zerni 6y ago
Maintenance is indeed tricky. Our way out is probably that the minimum bike value has to be £500 but the average customer has a multiple of that value and bikes at home. Passionate cyclists buy into our concept. We are looking into how we c
9.
by zerni 6y ago
“What about bicycle insurance? It's fairly expensive here in the UK, usually 10-15% of the bicycle's value annually and insurers typically only pay out when the whole bicycle is taken (so if if your front wheel is nicked, you&#x27
10.
by zerni 6y ago
Given the relatively small size of their book, a few outlier claims can destroy all their economics. It should regulate over time.
11.
by zerni 6y ago
Working in “InsurTech” myself... I’d say customer acquisition is the biggest cost and insurance companies are terrible at it because differentiation is almost impossible in a price driven by extreme price war. It’s not uncommon that 30-50%
12.
by zerni 6y ago
Let's assume everyone takes a car instead of public transport. Where do you think people will be parking in cities like New York or London? There is no way cars are the solution to this.
13.
by zerni 6y ago
Founder of a bicycle insurer here and I can tell you that the only way to deter people is by parking in secure private or public spaces (never, ever semi-public) and by making your bike less attractive than the one next to it. 2 locks is in
14.
Laka raises $1.5m to take crowd insurance model beyond bicycles(techcrunch.com)
9 points by zerni 8y ago|0 comments
15.
by zerni 8y ago
I was looking for a library who makes creating responsive layouts simple. If they bring some opinion in regards to styling that would be fine too but I would probably look to apply my own.
16.
Ask HN: What modern CSS framework for a responsive web project?
2 points by zerni 8y ago|2 comments
17.
by zerni 9y ago
Check out unumotors.com
18.
by zerni 9y ago
Definitely sendgrid!
19.
by zerni 9y ago
If there are outliers and the premium would skyrocket we cap your premium at market rate through an agreement with a reinsurer. It's a standard financial tool insurers are using as well and costs us next to nothing.
20.
by zerni 9y ago
That's exactly what it is. You benefit on the upside but if there are outliers and the premium would skyrocket we cap your premium at market rate through an agreement with a reinsurer. It's a standard financial tool insurers are u
21.
by zerni 9y ago
Very good point. Conflict of interest is the real flaw in the insurance business model. What other industry makes more money when their customers slip up?! Insurers try to protect their margin by finding ways to reject claims. I am actually
22.
by zerni 9y ago
Regulation is based on country instead of changing from state to state. The EU helped to streamline most of it for all European countries so you can float freely by passporting across regions.
23.
by zerni 9y ago
There are alternatives.. we are setting up an insurer with a new business model in the UK. We earn a flat fee every time we settle a claim for members of our community - they provide the funds to cover for each other. No conflict of interes
24.
by zerni 9y ago
We are actually setting up an insurer in the UK which is doing exactly that by changing the business model to taking fees on settled insurance claims instead of betting on an underwriting/investment profit. Have a look. insureathing.co
25.
by zerni 9y ago
Just give yourself a month and don't write a single line of code. Go meet your customers in the first week. Ask lots of whys. Do more structured IN PERSON interviews in the second week. Look at how it has been solved in the past and wh
26.
by zerni 11y ago
I know Startupbootcamp has these deals for their batches. A similar deal is available for Google business users.
27.
by zerni 12y ago
I also thought about this. Something like Hypothesis (chrome extension) but more focused on public commenting.
28.
by zerni 12y ago
"The bug must come from changes colleague XY has made after me! pointingfingers "
29.
by zerni 12y ago
Start by never apologizing in advance. Proceed by talking to people about topics you are familiar with or have common grounds. E.g. if you are a ruby guy go to ruby meetups. To make things even easier you could try finding people speaking y
30.
by zerni 13y ago
Well that's a workaround for now but it could be a little more user friendly (like showing all tags on the top) Another point: Make cards collapsible/expandable to get a quicker overview about topics. (It is also an aid to the pro

More ›