Now there's friendsurance, an initiative that lets you manage your own insurance claims amongst a select group of friends.
German friendsurance enables its users to create communities of up to 15 people who can help cover an insurance claim in the case of an accident.
These friends can be pulled in from a user's Facebook account, and, once they have become a member, they can then provide between EUR 30–50 to help cover a fellow member’s claim. When a claim exceeds the amount the group can provide, friendsurance will then cover the rest of the claim. The “social insurance” model means that many small claims can be handled without the need for involvement from friendsurance itself, which reduces administration costs and thus enables the company to provide cheaper policies. What's more, because the insurance claim is handled by a trusted group of friends, it is also hoped that the model will lead to a reduction in the number of fraudulent claims.

Currently offering home, liability and legal insurance, friendsurance claim that that by using this model their policies are up to 70 percent cheaper than their competitors. As other services and commercial enterprises have already embraced social networking and the 'crowds' wholeheartedly, who knows what insurance ideas could be popping up next? Gillean SmithBusiness Strategies ExaminerFor more than 15 years, Gillean has been using media training, media relations, social media, public relations, internal & external communications and online opportunities to help business professionals and their companies gain media awareness. Mayu Tomita stabbed 20 times by fan who explains why he did itJapanese pop star Mayu Tomita, 20, was stabbed more than 20 times in the neck and chest by her obsessed fan, 27-year-old Tomohiro Iwazaki. In her most recent role as a Communications Director for a family law firm, the practice saw a significant increase in monthly phone contacts as well as a steady rise in caseloads for all attorneys. Gillean has made her mark in such industries as pharmaceutical, OTC, window fashions, food products and more.

Prior to starting her own consulting firm, Gillean worked for several well-respected advertising agencies.
She began her career as a radio news director, am co-host and then TV producer, field reporter and segment producer. Gillean graduated from UNC Greensboro with a Bachelor of Arts Degree in Communications and minor in Broadcasting.

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