Does Lemonade have the secret?

Forget Everything You Know About Insurance. Instant everything. Killer prices. Big heart. That's how US general insurance company ‘Lemonade' describe themselves. They also claim to hold the world record for paying the fastest ever insurance claim at just 3 seconds. Less time that it took to read this sentence. We often talk about the need for something new and Lemonade does seem to be genuinely differently.  They take a fixed fee from the monthly payments, pay reinsurance and expenses, and use the rest for claims. What is more, they return unclaimed remainders via their 'Give...