Revving Up Coverage: OEMs and Embedded Insurance

The potential for integrating embedded insurance in automotive finance has reached a critical tipping point as original equipment manufacturers (OEMs) and lenders seek new ways to capture value throughout the vehicle lifecycle. Industry data highlights a striking insight: while traditional insurance models are often fragmented, nearly 92 percent of customers would consider purchasing coverage directly from a trusted automotive brand if offered at the point of sale. By integrating embedded insurance in automotive finance, organizations are not just adding a product; they are evolving into comprehensive mobility providers that address the total cost of ownership in a single, digital-first transaction.

This fireside discussion delves into the technical hurdles of integrating embedded insurance in automotive finance, particularly within the regulatory landscape of North America compared to rapidly adopting global markets. The panel explores how telematics and real-time vehicle data are the engines behind this shift, allowing for personalized pricing and enhanced risk management that static policies cannot match. When integrating embedded insurance in automotive finance, lenders can also see a significant lift in F&I gross profit, as the convenience of a one-stop-shop reduces consumer friction and builds long-term brand stickiness. As we look toward 2026, the strategy of integrating embedded insurance in automotive finance will become the baseline for meeting the expectations of younger, tech-savvy demographics who prioritize seamless, transparent buying journeys.

• Analysis of the 2025 Embedded Insurance Report and its implications for OEM value propositions and risk management.
• Strategies for leveraging real-time telematics data to drive hyper-personalized insurance pricing and fraud prevention.
• Practical advice on navigating regulatory barriers and building strong, non-transactional partnerships between lenders and insurers.

Watch the full fireside chat to learn how to capitalize on this promising frontier and redefine your organization’s role in the automotive value chain.