Michael is the founder and CEO of now4cover which is a built from the ground-up fully digital insurance business. The aim is to fix the common consumer gripes about complexity, lack of transparency, dual pricing and excessive fees in insurance products. By combining a deep understanding of the market with big data, technology and pricing expertise now4cover delivers innovative, profitable digital insurance solutions. Prior to the exciting times at now4cover he spent over 14 years at Towergate helping build and shape the organisation. Key to this was the ability to use technology and data transforming it into business value. He speaks regularly on data, analytics and technology and is also a member of the CII Underwriting Faculty Board.