The way I see it, Tesla don't have an offering. It is a QBE policy that Marsh Avantage - a brokerage service, creatively created what appeared to be Tesla Insurance. That means there are 2 layers of companies doing something that they would need to have motivation to be involved in the process. Marsh would need to improve their bottom line through volume of sales of QBE policies and Tesla - who would know. Usually going direct short term and avoiding the intermediarys can be cheaper but not always. If you can prove you are a good risk by going direct, it should be cheaper.