Marketing levers for VAE insurance
63 Pages
French
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
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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Study plan
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