The title of this article comes from a post, on LinkedIn from Matteo Carbone who is undoubtedly an insurtech thought leader. The question being asked is are we at a point where insurance can be “turned-on” when needed and “turned-off” when not needed? Why do policyholders need to have coverage 24/7 and more importantly, why do they need to pay for that coverage? It’s a good point, which characteristically for posts made by Matteo, got a lot of responses, most of which were supportive of this movement.