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
• Sensibilité des Français aux thématiques sociales et environnementales
• Attentes des Français vis-à-vis de leur banque et de leur assureur en matière de durabilité et de comportement responsable
• Appétence des Français pour les assurances durables
• Appétence des Français pour l'épargne durable et responsable
Enquête auprès des ménages pour évaluer leur sensibilité aux thématiques sociales et environnementales et comprendre les attentes vis-à-vis de leur assureur et leur appétence en matière d'épargne durable et responsable.
Les Français et la consommation durable et responsable
• Les âges clés et projets des seniors
• Leur situation financière et comportement en matière de crédit
• Leur relation avec l'assureur principal et niveau d'influence auprès de leurs proches
• La préparation de leur succession
• Les transferts intergénérationnels
• Les seniors aidants
• Les contrats de dépendance et obsèques souscrits
Enquête auprès des seniors pour comprendre leurs comportements et attentes en matière de banque, crédit, assurance et prévoyance.
La cible des seniors dans la banque et l'assurance
• Les principales préoccupations et comportements en matière de prévoyance
• La perception de l'équipement et potentiel de développement
• Les aides financières et matérielles entre les générations
• Les donations
• La transmission de patrimoine
• La préparation de sa propre succession
• Les aidants
• L'influence de la famille dans le choix d'établissement
Enquête auprès des ménages pour comprendre les mécanismes existants et les moments de vie les plus opportuns au multi-équipement
La famille et la solidarité intergénérationnelle
• Le contexte d'équipement automobile
• La revente du précédent véhicule
• Le parcours client et la place accordée à l'internet
• Le choix automobile face à la transition écologique
• Le financement du véhicule à crédit
• Les offres locatives
• Le choix d'établissement pour l'assurance
• Les contrats de services
Enquête auprès des automobilistes pour comprendre le process de sélection du véhicule, du financement, de l'assurance et des services associés, ainsi que les tendances à venir.
Le parcours client à l'occasion d'un achat automobile
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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