InShared, a new Dutch insurance agency, is the first which guarantees refunding of profits to its customers. The money that's been reserved for paying damages, but hasn't been used is paid back to the insurer. The profits are paid to peopl who haven't made any damage claims, causing everyone to profit. That's why the pay-off: "We all benefit". InShared is a new company of Achmea (a company not listed on the stock market).

To inform the insurees of the height of the profit, InShared is the fist insurance company that makes it's premium-damage equation permanently public. On the site you can find exactly how much premium InShared has received in total and how much damage the insurer has had to pay. The figures are actualised each quarter. From the total income, InShared reserves 80% for paying damages; the remaining 20% are reserved for the company and potential losses. All the money in the 80% that's not used for damages goes back to the insured.

Future Vision by Erwin Van Lun on this article

A brilliant example of the brand coming-out: the process in which companies start to operate completely transparentl, and enter society as a network. In a next step, consumers will be stimulated to keep the collective claims as low as possible, for now it’s on an individual basis. Involvement will be rewarded, you can see that reward as salary, through which thousands of employees are found. And in the step after that the salaries of employees will be known too, all bonuses, but also what exactly they do. This is how a brand grows from being a closed system that offers products into a dynamic open network in which people network to add additional value to each other’s lves. And wherein the brand has only become stronger. Much stronger.

• in Dutch