top of page

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

• 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)

Other studies that might interest you

This study responds
to your needs?

Study plan

How to contact us ?

Ask us all your questions

You have questions ?

We are here to answer you

bottom of page