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Marketing levers for VAE insurance

63 Pages

French

PDF

Release :

2023-10-01

How to convince e-bike owners to take out insurance for their vehicle? (quali online study)

AUTHOR

Bertrand MINOT

Studies project manager

  • Understand how cyclists use their e-bike and the main fears related to using this vehicle

  • Determine their knowledge of VAE insurance and their reasons for not purchasing this insurance

  • Determine the main risks they consider important to hedge against, and the guarantees and support services they would prefer

  • Understand the legitimacy they grant to different types of operators to offer them insurance for their VAE

  • Understand the subscription route they would potentially consider - Evaluate their reactions to proposed offers (coverage level / annual cost)

Objectives of the study

I. USES OF VAE BY UNINSURED OWNERS

  • Main uses of VAEs by the owners themselves

  • Possible use of e-bikes by other people

  • Possible parking of VAEs in the street

  • Possession of equipment to limit the risks associated with the use of the VAE

  • Predisposition to repair your VAE yourself and possession of equipment to do so


II. MISAVENTURES RELATED TO THE USE OF THE VAE AND EXPERIENCED FEARS

  • Mishaps/accidents already encountered when using their VAE

  • Spontaneously felt fears

  • Ranking of risks according to the two targets on a proposed list

  • The risks least feared by each target on a proposed list


III. KNOWLEDGE OF VAE INSURANCE, PERCEPTIONS AND REASONS WHY THEY ARE NOT INSURED

  • Spontaneous knowledge of VAE insurance and sources of knowledge for those who know

  • What this spontaneously evokes for those who did not know

  • A priori spontaneous image of such assurance

  • Usefulness/imagined coverage of VAE insurance by non-owners

  • Reasons why they are not insured for their VAE

  • Possible role of the obligation to have an approved padlock in these reasons for non-subscription


IV. REACTIONS TO THE FEATURES OF VAE INSURANCE AND FINAL INTEREST AFTER READING THE PRODUCT

  • Prioritization of guarantees among 5 guarantees offered

  • Interest and prioritization of support services among 4 services offered

  • Possible interest in covering your current bike not yet insured

  • Possible interest in insuring yourself in the event of purchasing a new VAE

  • Maximum annual cost envisaged and possibly accepted

  • Reactions to 4 offers presenting different coverage and prices

  • Predisposition to pay more to also cover the accessories and equipment of the VAE

  • Possible predisposition to pay more for insurance so as not to have to pay a deductible in the event of a claim


V. LEGITIMACY OF OPERATORS TO OFFER AN VAE INSURANCE CONTRACT AND CONSIDERED SUBSCRIPTION PROCESS

  • Considered subscription time

  • Most legitimate operator in the event of a subscription made after purchasing the VAE

  • Preference between a specific contract and an option within the HRM contract

  • Predisposition to encourage competition between operators

  • Subscription terms envisaged

  • Predisposition to subscribe online

Companies analyzed

Study methodologies

Une enquête quantitative auprès de 1 000 français

Comportement et attentes des français en matière de prévention habitation

Benchmark d’une quinzaine d’espaces internet et applications mobiles en épargne salariale et retraite d'entreprise (PEE, PERCOL, PERO)

Benchmark des espaces de gestion en épargne salariale et retraite collective

  • 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

Online qualitative study

Study of 20 owners of VAEs not equipped with insurance for their vehicle
• All owners (and not renters) of an electrically assisted bicycle (VAE and not a conventional bicycle or an electric bicycle)
• All non-professional users of their VAE (not delivery drivers, etc.)
• All having purchased their VAE new
• All using their VAE for at least 6 months
• None having taken out specific insurance for their VAE
• No one hostile to the principle of specific insurance to insure their VAE

Two targets interviewed

ACTIVE (35 - 60 years old / urban / use their VAE mostly during the week and for utility purposes)
RETIRERS (60-70 years old / medium or rural towns / more leisure use)

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