In recent months major players in the market were launched on the web to market contracts available only on the net dedicated to Internet. If economic models and targets vary, everyone is betting, finally, get off the Internet as a real distribution channel of insurance for clients, on products that meet the needs of mass such as insurance automobile.
Internet would be a new field of action to gain market share? With these products tailored to the Net, insurers compete to sell more creative and better serve their customers.
What are the guarantees of these offers auto insurance?
Insurance contracts on the Internet offer the same guarantees and options contracts as more “traditional”.
The guarantees and options, the formulas (third, third / theft / fire and all risks) are of the same type as for insurance contracts sold through channels more “traditional”. There is no real difference although each brand has its own specifics (number of options, formulas etc.)..
What is the interest in his car on the Internet?
If these offers insurance before seduce people by their extremely attractive price, they also have other advantages: saving time, freedom, and sometimes with real innovation in terms of products and services.
For users, the major advantage of these contracts auto insurance is extremely advantageous prices. Price is in the act of purchasing insurance, an argument must. For 71% of Internet users *, it is the first criterion that encourages purchase insurance online. The rates of these insurance contracts are on average 30% below market. They thus achieve substantial savings.
In addition to this economic aspect, ensure the Internet allows for greater flexibility, freedom and speed .. Indeed, it is convenient not having to move and to subscribe at any time, 24/24 and 7 / 7. And, if need advice or explanation, a web call back (go phone) is always possible. With a few clicks and within a few minutes, anyone can check with him or his office to finish the opening hours.
Moreover, some of the automobile insurance contracts offered only on the Internet offer innovative products, such as insurance Km, the Pay as you drive
The insurance online is still in its infancy in USA and has great potential.
If the net is an information tool, application fee and comparison for car insurance, few Internet users have already made the leap to purchase online. However, this method of subscription, it seems very promising!
If today in All most Europe and America, one in 2 has already visited a discount car insurance site, 1 out of 3 was calculated using an estimate or a comparator, only 8% of Internet users have already purchased insurance *.
The canvas is auto insurance for a model, both for research information for the request for quote or comparison. But the web has not yet convinced all consumers to change to the act of purchase. However today the potential of insurance via the Internet has never been more important, since more than a third of Internet users (34%) intend to purchase their auto insurance on the web *.
