KoverNow is a fully digital and mobile insurance platform addressing both the inefficiencies embedded in composite insurers as well as morphing the business of insurance into a millennial customer format. KoverNow will achieve this by building a green-field digital value chain, taking out substantial cost from a traditional underwriting process and by automating insurance cover, with the assistance of its channel partners. As a B2B operator KoverNow will be integrated into the eco-systems of its partners, delivering a convenient and transparent way to deal with insurance. KoverNow's superior cost structure and smart contract design will enhance the customer experience of its channel partners and deliver a win-win co-operation.