Young independent workers and insurance
136 Pages
French
Release :
2023-07-03
Identify young people’s perception of insurance products and insurance players
Evaluate the place given to digital tools and social networks in the relationship with their operators
Understand their appeal for insurance products covering mobile devices
Evaluate their interest in the environmental theme
AUTHOR
Bertrand MINOT
Study project manager
• Investigate young people's perceptions of insurance products and insurers from a global point of view and according to categories of operators.
• Assess their interest in “young offers”, for online comparators, and study their choice criteria to select an operator.
• Study the place of different digital tools in their process of subscribing to an insurance product (HRM and Auto focus) and in the management of their contract after subscription and the interest they give to social networks in the relationship with the operators.
• Understand their interest in environmental issues, their expectations of their insurers in the sustainable field and their interests or not in “green” products.
• Investigate their possible interest in insurance for nomadic products.
Objectives of the study
I. OVERALL IMAGE OF INSURERS AND INSURANCE PRODUCTS
1. Overall image of insurers
1.1. A majority of criticisms addressed to insurers
2. Image of insurance products
2.1. Insurance products known spontaneously
2.2. Those considered essential and secondary by 20-24 year olds
2.3. Those considered essential and secondary by 25-29 year olds
2.4. State of mind when subscribing to an insurance product
2.5. Main motivation for subscribing to HRM and price perceptions
2.6. Main motivation for taking out auto insurance and price perceptions
2.7. Sensitivity or not to “young people’s offers”
II. IMAGE OF CATEGORIES OF OPERATORS AND CRITERIA FOR CHOOSING AN INSURER
1. Image of different types of operators
1.1. Spontaneous perception of a difference between insurers
1.2. Image and legitimacy of traditional insurers with agencies
1.3. Image and legitimacy of online insurers
1.4. Image and legitimacy of neo-insurers
1.5. Image and legitimacy of traditional banks
1.6. Image and legitimacy of online banks
2. Selection criteria for a Home insurer and an Auto insurer
2.1. Criteria for choosing the Auto and MRH operator
2.2 Image of online comparators and role in the choice of operator
III. BEHAVIORS AND EXPECTATIONS TOWARDS DIGITAL TOOLS
1. In the subscription process
1.1. 100% online subscription
1.2. Remote subscription but not online
1.3. Subscription in person
1.4. Importance of the dedicated advisor
1.5. Opening to take out insurance via a mobile application
1.6. Interest in videoconferencing in the subscription process
2. In the management of the contract after subscription
2.1. Frequency of the private space (frequency, use, expected functionalities)
2.2. Most used channel to ask for advice (in MRH or Auto)
2.3. The channel perceived as the most relevant for reporting a home or automobile accident
2.4. Privileged utility for the different channels in contract management
IV. INTEREST OF YOUNG PEOPLE IN EXCHANGING WITH THEIR INSURER ON THE NETWORKS
SOCIAL
1.1. Reactions to the presence of operators on social networks
1.2. Spontaneous predispositions to use social networks to communicate/exchange
with their operators
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
Target 1
10 participants between 20 and 24 years old - 3-hour group interview in Tours
• 50% women / 50% men
• 50% single / 50% in a relationship but without children
• All entered working life (employees)
• Distributed CSP
• All having left their parental home and moved in as tenants (no shared accommodation)
• All having taken out home insurance themselves, and with an operator other than that of their parents or parents-in-law if they are a couple.
• All having at least one year of relationship with their MRH insurer
• All equipped with at least one portable device (smartphone, tablet, laptop, etc.) and not having
take out specific insurance for this/these devices.
• All using social networks (Facebook, Twitter, Messenger, WhatsApp...).
• Mix insurers for MRH insurance and Auto insurance (limit a maximum of 1 MAIF insured whether for 1 or both products).
Target 2
10 participants between 25 and 29 years old - 3-hour group interview in Tours
• 50% women / 50% men
• 50% single / 50% as a couple (possibility of having one or more children)
• All entered working life (employees)
• All having left their parental home and settled in as tenants (no shared accommodation) or owners
• All having taken out home insurance themselves, and with an operator other than that of their parents or parents-in-law if they are a couple.
• All having at least one year of relationship with their MRH insurer
• All equipped with at least one portable device (smartphone, tablet, laptop, etc.) and not having taken out specific insurance for this/these devices.
• All using social networks (Facebook, Twitter, Messenger, WhatsApp...).
• Mix insurers for MRH insurance and Auto insurance (limit a maximum of 1 insured person to the MAIF
whether for 1 or both products).
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Study plan
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