Before Zego, Sten Saar sold school notebooks in Estonia. Then a problem at Deliveroo sent him into insurance, where he began by asking why a few hours of work should require a year of cover.

A summer at Norwich Union became a career in insurance. Now CEO of Marshmallow Insurance Ltd in Gibraltar, Paula Griffiths brings underwriting experience and a practical view of how people should work to a digital insurer.
Zego won delivery drivers with cover that clocks on when they do. After an expensive retreat from fleet insurance, it is betting on phone data, safer driving and a much bigger audience.