Course in On-Demand Insurance in Urban Mobility
Online course of 300 h in on-demand insurance in urban mobility. 6 modules covering Directive (EU) 2016/97 (insurance distribution, IDD), Delegated Regulation (EU) 2017/2358 (product governance and oversight) and Guidewire PolicyCenter. Assigned tutor and open enrolment.
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Run a real engineering trade-off from this field. Move the sliders, watch the model react in real time and beat the challenge.
What you will be able to do
Explain the on-demand insurance model and how it differs from the traditional annual policy.
Design a single-use cover product for urban journeys across different modes of transport.
Integrate insurance into mobility applications through APIs and instant purchase processes.
Calculate premiums per trip or per time based on expected frequency and severity.
Apply the IDD requirements and product governance rules to embedded sales.
Assess data protection and the digital operational resilience of the platform.
Prepare a business case for launching an on-demand insurance product in a specific city.
Who it's for
- Digital insurance product manager who wants to specialise in On-Demand Insurance in Urban Mobility.
- Dynamic pricing analyst who wants to specialise in On-Demand Insurance in Urban Mobility.
- Insurtech and mobility specialist who wants to specialise in On-Demand Insurance in Urban Mobility.
- Partnerships manager with mobility operators who wants to specialise in On-Demand Insurance in Urban Mobility.
- Solutions architect for embedded insurance who wants to specialise in On-Demand Insurance in Urban Mobility.
- Compliance analyst in insurance distribution who wants to specialise in On-Demand Insurance in Urban Mobility.
- Engineering or science graduates looking to enter insurtech.
What you'll work with
- Directive (EU) 2016/97 (insurance distribution, IDD)
- Delegated Regulation (EU) 2017/2358 (product governance and oversight)
- Law 50/1980 on Insurance Contracts
- Royal Legislative Decree 8/2004 (civil liability and motor vehicle insurance)
- Regulation (EU) 2016/679 (GDPR)
- Directive (EU) 2023/2673 (distance financial services contracts)
- Regulation (EU) 2022/2554 (DORA)
6 modules · 300 h
1.1User activation and deactivation1.2Difference from usage-based insurance1.3Risks suited to the model1.4Micromobility, rental and occasional use1.5User expectations and simplicity1.6Adverse selection in voluntary activation1.7Role of the app and the platform1.8Sector vocabulary and acronyms1.9Market cases and their outcomes1.10Exercise: choosing risks suited to the model
2.1Unit of cover: trip, hour or day2.2Included and excluded cover2.3Price and how it is presented to the user2.4Context-based automatic activation2.5Waiting periods and anti-fraud measures2.6Cancellation and refunds2.7Simplified contractual documentation2.8Purchase experience in seconds2.9User testing of the flow2.10Practice: designing an on-demand product
3.1Architecture and real-time performance3.2Context detection: location and movement3.3Integration with the mobility platform3.4Recurring payments and micropayments3.5Activation logging and audit3.6Data protection and minimisation3.7Service availability and contingency3.8Fraud prevention at activation3.9Analytics of usage behaviour3.10Practice: technical service specification
4.1Pricing with variable exposure4.2Estimating adverse selection4.3Acquisition and transaction costs4.4Profitability per unit of cover4.5Volatility and the need for reinsurance4.6Minimum scale for viability4.7Usage and retention indicators4.8Effect of micropayments on cost4.9Model sensitivity4.10Practice: product economic model
5.1Pre-contractual information requirements5.2Insurance distribution regulation5.3Consumer protection and clarity5.4Proof of cover at the time of a claim5.5Claims handling for short-term cover5.6Complaints and review of decisions5.7Premium reporting and accounting5.8Supervision and regulatory risks5.9Service indicators5.10Practice: claims management protocol
6.1Choice of risk and segment6.2Complete product design6.3Technical and data specification6.4Actuarial and economic model6.5Regulatory analysis6.6Claims and anti-fraud protocol6.7Launch and testing plan6.8Monitoring indicators6.9Project report6.10Project defence
How you'll learn
100 % online training on the SEIUM campus, with downloadable material, recorded classes and assigned technical tutor. No fixed timetables: students progress at their own pace within the intake, which makes it possible to combine study with work.
Each module combines theory, guided reading of the original standard and applied exercises. The working software is Guidewire PolicyCenter, Python (pandas), Postman (API integration), Power BI, advanced Excel, in free, academic or evaluation versions. Tests are studied through real prototyping procedures for a per-minute purchase flow in a mobile app, and simulated per-trip pricing using urban mobility data. Assessment is continuous, module by module, plus the final integrative project.
Build it end to end
Your final project follows the real engineering workflow, step by step, reviewed by your tutor.
Explain the on-demand insurance model and how it differs from the traditional annual policy.
Design a single-use cover product for urban journeys across different modes of transport.
Integrate insurance into mobility applications through APIs and instant purchase processes.
Calculate premiums per trip or per time based on expected frequency and severity.
Apply the IDD requirements and product governance rules to embedded sales.
Where this takes you
Requirements
- No prior degree is required.
- Internet connection and a computer capable of running the programme's software.
- Sufficient Spanish proficiency to follow technical regulatory texts.
Ready to start?
Send your application today. Our admissions team replies within 72 hours with your study plan and funding options.
Frequently asked questions
The programme totals 300 hours, spread over 3 to 5 months. That is between 10 and 15 hours per week on average, compatible with a full-time job.
You will work with Guidewire PolicyCenter, Python (pandas), Postman (API integration), Power BI, advanced Excel. Free, academic or evaluation versions are used, and the tutor indicates the free alternative where one exists.
SEIUM's own diploma upon passing the continuous assessment and the integrative project. It is in-house training, not an official qualification from the Ministry.
Yes. Modules passed in a course or postgraduate diploma in the same area are recognised in the higher programme. Check the recognition policy when you enrol.
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