The study is divided into five sections. The first is the introduction to the thesis, giving an overview of the peer-to-peer concept. The next section discusses the peer-to-peer lending market, its development in recent years, and the changes since its inception. The third section describes the peer-to-peer insurance market, its structure and the companies that have entered the market so far. The fourth chapter simulates and analyzes the main characteristics of a P2P automobile insurance product with full coverage. Finally, the conclusion of the study will be made in the fifth section.