I’ve noticed that things like contents / phone insurance and some other features linked with plus are in the pipeline as well as some other things that have landed such as energy switching and travel insurance (plus customers). On the face of it there doesnt seem to be any discount or incentive (exclude energy switching) for buying through Monzo and not going direct.
A suggestion would perhaps be to link these sort of other products to Monzo points. As an example if I were to take out contents insurance through Monzo I might get an incentive via Monzo Points for keeping the policy for say 6 or 12 months. Or perhaps offer 2 months of travel insurance for free by exchanging Monzo points for example.
Another idea is to use points towards your Monzo plus fee.
Thereby using Monzo points for Monzo (offered) products.