RC car: record of research online to choose the insurance policy

RC car: record of research online to choose the insurance policy

Online searches regarding the RC cars made in the five years 2008-2013 by Italian consumers grew by 185%, a percentage that drops slightly, to a still very good 128%, if one includes all other types of insurance. This was revealed by the study "Digital Insurance In Italy, The Time To Act Is Now" produced by The Boston Consulting Group in collaboration with Google.

Italians, therefore, are more likely to rely on the network to decide which insurance to buy, with a direct impact on the entire sector, even when the final purchase is then completed offline. The result is that insurance premiums influenced by research on the net today are worth 36 billion euro, with a growing trend, while technological innovation and the use of new tools for free in the hands of the users are helping to rewrite the dynamics development and sustainability of the insurance business.

In this context, an increasingly decisive role is played by mobile devices. Today in Italy 24 million people use a smartphone and by 2018 will be 37 million. Consequently, the research carried out by insurance smartphones (of all kinds, from life insurance policies, health and home to the RC car, until the insurance km, etc.) Have grown by an average of 155% per year over the past six years.

Conversely there are still few insurance companies that use digital as a strategic business and seize new growth opportunities. Even today, for example, some of the major insurance groups in Italy do not have a website designed and developed specifically for mobile devices. Yet only on prevention damage, according to the estimates of the report of BCG, for the companies there would be the possibility of increasing the operating margins of up to 2% of the premiums properly exploiting the digital.

Because insurance customers would be able to relate differently with his own company, using more frequently and effectively with new tools that offers digital technology. More than half of those in Italy who owns an insurance damage claims in fact to desire interaction with your company both in person but also online, while a good 15% is ready for a relationship solely through remote channels. Perhaps a boost in this sense will the new Regulation dell'IVASS, approved in recent days, that promotes the use of technological innovation with the obligatory introduction of certified electronic mail, electronic signatures and electronic payment instruments also in form online.