Magazine date:
Oct 2016 They are not only seeking insurers who help them decide among the products but who also relieve them of the management induced by contract underwriting and claim management.
What does an insured person expect from their insurer?
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Contract underwriting: the insurer is required to supply contract duplicates, print out a set of information meant to simplify the life of policyholders: business cards with emergency numbers, procedures in the event of a claim, phone of certified mechanics in case of accidents, traffic tax, voucher offers for gyms, medical check-ups or dental service, etc.
Claim management: Round the clock assistance, financial help, reinforcement of security measures following theft or accident, expert dispatching if necessary.
- Road crashes: Tow truck dispatching, provision of replacement cars, connecting with approved mechanical garage, etc.
- Bodily injury and health hazards: Health care provision, supplying household service, etc. These few examples show that insurers not only provide financial support in case of occurrence of an insured risk. They also provide solutions designed to cushion the effect of a claim. The provision of related services entails the presence of a structure that is able to respond quickly to the policyholder’s protection needs. This requires the establishment of new professions within the insurance company.
- Legal protection: This additional need of assistance also extends to legal protection, which pushes insurers to enter regularly into litigations against each other.