Behaviors and expectations of owners of 2-3 motorized wheels in terms of insurance
168 Pages
French
Release :
2023-08-03
Household 2-3WD equipment and uses
Characteristics of the contracts held, main selection criteria and subscription process
Expectations of policyholders in terms of guarantees and services
Level of attachment to the insurer, levers for winning over and retaining policyholders
Perception of insurers and neo-insurers
Expectations of policyholders in terms of self-care and the subscription process
AUTHOR
Stéphanie RIBAU
Studies project manager
Take stock of the behavior and uses of owners of 2-3 Motorized Wheels and assess the impact of the economic and health crisis on their mobility
Evaluate the rate of use of credit and rental options in the context of vehicle acquisition
Analyze the insurance subscription process of 2-3RM holders and estimate the proportion of policyholders willing to take out 2-3RM insurance remotely
Determine the place given to insurance comparators in the customer journey
Determine what they think are the most important criteria in choosing insurance
Take stock of the current image of neo-insurers among 2-3RM holders and determine their predisposition to subscribe to this category of establishments
Identify the expectations of policyholders in terms of guarantees and services
Evaluate the level of satisfaction and attachment of policyholders to their company and identify the main levers for winning and building loyalty
Estimate the openness of 2-3WD owners to the electric market and the conditions that could possibly convince them to opt for a clean vehicle
Identify the expectations of policyholders in terms of self-care
Objectives of the study
I. OBJECTIVES AND METHODOLOGY
1. Objectives
2. Methodology
3. Socio-demographic profile of the overall sample
4. 2-3WD equipment of the overall sample
5. Profile of the main subpopulations analyzed
II. 2-3WD EQUIPMENT OF INTERVIEWED HOUSEHOLDS AND USES
1. 2-3WD vehicle acquisition process
2. French uses of 2-3WD
3. Equipment with tracker and airbag vest
4. Degree of appetite for electric vehicles
III. CHARACTERISTICS OF CONTRACTS HELD, MAIN SELECTION CRITERIA AND SUBSCRIPTION PROCESS
1. Main characteristics of the contracts held by the policyholders interviewed
2. Insurer selection criteria
3. Subscription process
IV. EXPECTATIONS OF INSURED POLICIES IN RESPECT OF GUARANTEES AND SERVICES
1. Losses most feared by policyholders
2. Hierarchy of guarantees desired by policyholders
3. Expectations of policyholders regarding certain optional guarantees: equipment, accessories, replacement value, etc.
4. Disaster Assistance Expectations
5. General appetite for insurance formulas depending on the use of the 2-3WD vehicle
V. LEVEL OF ATTACHMENT TO THE INSURER AND LEVERS FOR WINNER AND LOYALTY OF INSURED POLICIES
1. Length of relationship
2. Other products held with the insurer
3. Level of satisfaction regarding the cost, quality of coverage, quality of relationships, etc.
4. Main points of dissatisfaction and priority areas for improvement
5. Main loyalty levers
6. Preferences of policyholders to be rewarded for their loyalty
7. Level of competition from the current insurer at maturity and during the year
8. Competitive conditions: quotes in agency, online, use of comparators
9. Levers for winning new customers (excluding pricing)
VI. PERCEPTION OF INSURERS AND NEO-INSURERS
1. Legitimacy of the different categories of operators in 2-3WD insurance
2. Focus on neo-insurers
VII. INSURED POLICY EXPECTATIONS REGARDING SELFCARE AND THE SUBSCRIPTION PROCESS
1. Share of policyholders who have already consulted their management space
2. Functionalities expected within these spaces
3. Online/mobile application claims reporting: fears and perceived benefits
4. Share of policyholders willing to take out 2-3WD insurance remotely without meeting an advisor in an agency: main obstacles and levers
5. Preferred contact channel for selected transactions regarding 2-3 RM insurance needs
Companies analyzed
Study methodologies
Comprendre de quelle manière les réseaux de vente sont organisés, accompagnés et animés pour la vente d’assurances prévoyance individuelles.
Analyser la dynamique commerciale mise en place pour équiper les clients et/ou prospects : temps forts, événements, offres ponctuelles et permanentes.
Relever les différentes pratiques et démarches des conseillers pour commercialiser les offres : ciblage, opportunités commerciales, cycle d’équipement,….
Réaliser des focus par type d’assurances : GAV, temporaire décès, dépendance et obsèques.
Benchmark des pratiques de vente d’assurances prévoyance individuelles en agence
I. ÉLÉMENTS DÉCLENCHEURS DE CHANGEMENT D’ASSUREUR
II. CRITÈRES DE SÉLECTION
III. PROCESSUS SUIVI
IV. VOLATILITÉ POTENTIELLE
Enquête quantitative en ligne auprès de 1000 retraités ayant changé d’assureur santé au cours des 3 dernières années.
Analyse des élements déclencheurs et des parcours clients.
Enquête changement d'assureur santé des retraités 2023
Notre méthodologie ne requiert pas d'analyse de sociétés pour cette étude
Sample
Quantitative survey of 798 policyholders aged 18 to 69.
The people interviewed are domiciled in France.
All are equipped with a 2-3 wheeled motorized vehicle (scooter or motorcycle) for personal use.
Collection of information
PROFIDEO subcontracted the field to a specialist in Internet surveys while remaining the project manager in terms of methodology, definition of the sample, creation of the questionnaire and analysis.
The study questionnaire includes 79 closed questions.
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Study plan
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