Insurance + Blockchain + P2P seems like a wild dream for tech entrepreneur. To date the p2p models are not so disruptive, but time will tell!
There is a shift going on in the financial sector. The steep rise of the FinTech industry, where investments went up eightfold in the past 5 years to almost $20bn is causing unrest within traditional companies. One of the most interesting developments in the FinTech industry is without a doubt blockchain. There are already many examples of how blockchain could impact the banking industry, especially payments services and security and commodity trading. In the insurance industry it is Internet of Things, big data and crowdfunding that are widely described. Perhaps because of this, the impact of blockchain on the insurance industry hasn't been a strong point of focus for new innovators.