Postgraduate Diploma in Digital Microinsurance and Urban Mobility
800-hour online Postgraduate Diploma in Digital Microinsurance and Urban Mobility. 8 modules covering Directive (EU) 2016/97 (IDD, insurance distribution), Royal Decree-Law 3/2020 (transposition of the IDD in Spain) and Python (pandas). Assigned tutor and enrolment open.
Postgraduate Diploma in Digital Microinsurance and Urban Mobility — studying from Australia
Australia has a mature insurance and superannuation sector, with major insurers, reinsurers and financial institutions relying heavily on actuarial analysis and risk modelling. Engineers and data specialists contribute to catastrophe modelling, telematics-based pricing and claims analytics, particularly given the country's exposure to bushfire, flood and cyclone risk. The regulatory environment is shaped by prudential oversight and consumer protection frameworks. Employers include general and life insurers, consultancies, reinsurance firms and government risk agencies.
Fees for Australia: A$1,420 (AUD), with instalments and employer sponsorship available.
Relevant bodies in Australia
Typical roles
Questions from Australia
Does this programme lead to recognition by the Actuaries Institute or another Australian professional body?
SEIUM qualifications are private and are not accredited by the Actuaries Institute, Engineers Australia or any national body. The Actuaries Institute sets its own examination and membership requirements, which a private qualification does not replace. Recognition for any role is decided by the employer or the relevant body, so confirm their requirements before enrolling.
Which Australian insurers and risk employers might consider this training?
Insurers, reinsurers, banks, consultancies and risk management teams in Australia employ people with data and risk skills. Whether they consider a private engineering qualification relevant depends on the role and their own hiring policy. Your demonstrated skills, portfolio and final project are often what matter most to them.
Is the course manageable while working, and can my employer fund it?
Yes, the programmes are delivered entirely online in English, with an assigned technical tutor, so you can fit study around work from Australia. Fees can be paid in instalments, and employer sponsorship is possible. Check the total hours for your chosen programme and agree a realistic weekly schedule before you start.
Take the controls.
Run a real engineering trade-off from this field. Move the sliders, watch the model react in real time and beat the challenge.
What you will be able to do
Analyse the risks associated with new urban mobility modes and their insurability.
Apply the insurance distribution regulatory framework to low-value and digitally contracted products.
Design modular microinsurance coverage adapted to users of personal mobility vehicles.
Calculate microinsurance premiums based on exposure data per journey or usage time.
Evaluate technology platforms and APIs for the embedded issuance of policies.
Define agile processes for claims reporting and settlement of low-value claims.
Structure business models and partnership agreements with mobility operators.
Who it's for
- Microinsurance product manager looking to specialise in Digital Microinsurance and Urban Mobility.
- Urban mobility underwriting technician looking to specialise in Digital Microinsurance and Urban Mobility.
- Embedded insurance analyst looking to specialise in Digital Microinsurance and Urban Mobility.
- Partnerships manager with mobility operators looking to specialise in Digital Microinsurance and Urban Mobility.
- Insurtech consultant looking to specialise in Digital Microinsurance and Urban Mobility.
- Digital customer experience specialist looking to specialise in Digital Microinsurance and Urban Mobility.
- Graduates in engineering or science looking to move into insurtech.
What you'll work with
- Directive (EU) 2016/97 (IDD, insurance distribution)
- Royal Decree-Law 3/2020 (transposition of the IDD in Spain)
- Law 50/1980 on Insurance Contracts
- Royal Decree 970/2020 (personal mobility vehicles in the General Traffic Regulations)
- EN 17128 (light personal electric vehicles)
- EN 15194 (electrically power-assisted cycles)
- Regulation (EU) 2016/679 (GDPR)
8 modules · 800 h
1.1Concept of microinsurance and embedded insurance1.2New forms of urban mobility1.3E-scooters, bicycles and shared motorcycles1.4Occasional users and one-off coverage1.5Protection gaps in mobility1.6Digital microinsurance value chain1.7B2B2C distribution models1.8Profitability with small premiums1.9International microinsurance experiences1.10Case study: needs of an e-scooter user
2.1Insurance Distribution Directive (IDD)2.2Royal Decree-Law 3/2020 and distribution2.3Intermediaries, ancillary and complementary insurance distributors2.4Traffic Law and personal mobility vehicles2.5Compulsory insurance for VMPs in Spain2.6Civil liability of operators2.7Pre-contractual information on digital channels2.8Distance contracting and withdrawal rights2.9Consumer protection2.10Practical: compliance analysis of an embedded product
3.1Coverage: accidents, civil liability and theft3.2Duration per journey, day or month3.3Limits, excesses and exclusions3.4User experience at the point of purchase3.5Modular and parametric products3.6Roadside assistance for light mobility3.7Insurance for bicycles and electric vehicles3.8Personalisation using usage data3.9User testing3.10Workshop: designing a per-journey microinsurance product
4.1Exposure per journey and per kilometre4.2Scarce data and the risk of new products4.3Accident frequency in personal mobility4.4Injury severity among vulnerable users4.5Acquisition and operating costs4.6Expense loading on small premiums4.7Adverse selection risk4.8Dynamic price adjustment4.9Credibility and model learning4.10Practical: per-minute usage tariff
5.1Insurance APIs and insurtech architecture5.2Integration with mobility apps5.3Instant policy issuance5.4Digital payments and micro-charges5.5Claims management from mobile5.6Automation and business rules5.7Geolocation and event data5.8Scalability and availability5.9Platform cybersecurity5.10Laboratory: integrating a quotation API
6.1Digital accident notification6.2Assistance for injured persons in the city6.3Traffic and personal mobility assessment scale6.4Theft and vandalism of light vehicles6.5Fraud detection in microinsurance6.6Immediate payment and automatic settlement6.7Customer satisfaction and reviews6.8Communication with the mobility operator6.9Service indicators6.10Case study: managing a shared bicycle claim
7.1Partnerships with operators and city councils7.2Revenue-sharing models7.3Digital marketing and customer acquisition7.4Insurance inclusion for vulnerable groups7.5Insurance and sustainable urban mobility plans7.6Conversion and retention metrics7.7International scaling7.8Reputational risks7.9Business model sustainability7.10Practical: business plan with a shared motorcycle operator
8.1Selecting the mobility segment8.2Needs and risk analysis8.3Coverage design8.4Pricing model8.5Digital integration architecture8.6Regulatory analysis8.7Business plan8.8Pilot plan8.9Report and presentation8.10Final review with the tutor
How you'll learn
100 % online training on the SEIUM campus, with downloadable material, recorded classes and an assigned technical tutor. There are no fixed timetables: students progress at their own pace within the intake, which makes it possible to combine the programme with work.
Each module combines theory, guided reading of the original standard and applied exercises. The working software is Python (pandas), Salesforce Financial Services Cloud, Stripe (integrated payments), Power BI, Postman (API testing), in free, academic or evaluation versions. Practical trials are based on real microinsurance design procedures for e-scooters and shared bicycles, per-journey tariff simulation, and integration of insurance into mobility apps. Assessment is continuous by module plus the final integrative project.
Build it end to end
Your final project follows the real engineering workflow, step by step, reviewed by your tutor.
Analyse the risks associated with new urban mobility modes and their insurability.
Apply the insurance distribution regulatory framework to low-value and digitally contracted products.
Design modular microinsurance coverage adapted to users of personal mobility vehicles.
Calculate microinsurance premiums based on exposure data per journey or usage time.
Evaluate technology platforms and APIs for the embedded issuance of policies.
Where this takes you
Requirements
- Prior technical training or professional experience in the sector. No university degree is required.
- Internet connection and a computer capable of running the programme's software.
- Sufficient Spanish to follow technical regulatory texts.
Ready to start?
Send your application today. Our admissions team replies within 72 hours with your study plan and funding options.
Frequently asked questions
The programme totals 800 hours, spread over 6 to 8 months. That is between 10 and 15 hours a week on average, compatible with a full-time job.
Work is carried out with Python (pandas), Salesforce Financial Services Cloud, Stripe (integrated payments), Power BI, Postman (API testing). Free, academic or evaluation versions are used, and the tutor indicates the free alternative where one exists.
A SEIUM diploma upon passing continuous assessment and the final integrative project. It is in-house training, not an official qualification from the Ministry.
Yes. Modules passed in a course or diploma in the same area can be credited towards the advanced programme. Check the recognition policy when you enrol.
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