Users do not assess the services they offer good policies.
Insurers
The possibility that the cost of insurance for your vehicle depends more on how good or bad a driver you that traditional variables used by companies as the year of manufacture and mileage value is closer every day.
Several world-class insurance, with a presence in Colombia, are seizing on the progress of telematics for detailed driving habits of their customers and, based on this information, determine the risk that they can represent them to the When secure.
So, if you are driving with the speeding sites that offer little security, high traffic hours and also usually use your phone while driving, rest assured that around a couple years, it will ensure the car much more expensive if not moderate these habits.
Nicolas Delgado González, president of QBE Colombia, says that the company is already working under those parameters in Australia and is conducting pilots in Argentina and Ecuador before deploying in the country soon.
Its what they do the teams in F1: measure all the behaviors of the pilot while running, braking, accelerated, average speed; this allows to know precisely their driving habits. What is sought with this is to have a more logical offer insurance and the real risk associated not only to the model of car or the like, he explains.
Claims vehicles last year cost the insurance industry about 2 billion Colombian pesos, so the incorporation of this technology will help reduce the cost of claims and the value of policies to people, say insurers.
Telematics and the shift to a more secure based on the use permit insurers to provide customized coverage and pricing based more on risk, in order to achieve greater differentiation from the competition, says Sigma in his analysis secure digital distribution: a silent revolution.
Beyond price
Although the cost of the policy will remain a critical factor, more in Colombia, where it is seen that people prefer to secure your cart before housing or even your life or your family, experts believe that this can not be the most important variable when choosing car insurance, especially amid the fierce competition companies have to innovate in benefits and assists.
Rainer Schellenberg, Vice President of Business Development for AXA Colpatria said the first thing is to know the needs that are depending on whether the vehicle is a working tool or family use.
The second, he says, is not to stay with the first option, as not all policies offered in the market have equal coverage, exclusions, or managed care services the same percentage deductible in case of an accident.
But even in the selection of these added values, we must be very careful, because sometimes these can affect the price of the policy without the person noticing.
Delgado Gonzalez, QBE Insurance, said that we must try to find a balance between the cost of the policy and something that is used or not, that is, if it is a service offered by the company but does not represent a true value it is best not to take or choose one that does think may be useful.
Because the average cost of car insurance for Colombia is falling, about 600,000 pesos in the last seven years, according to estimates Fasecolda guild industry, companies have had to innovate by offering other securities to attract more customer.
In AXA Colpatria, in addition to traditional assists as driver chosen, crane if stranded, benefits and payment (damage) on site, works for accidents single transit in which the insured affects the vehicle is offer third. There he receives specialized to reconcile with the affected, among other assistance.
Other benefits, plus driver chosen, which provides most insurers when the person is not able to drive, are supplying another car while repairs of the insured, rebates deductible as collateral repair time and assistance for home.
When purchasing policy
To design tailored insurance, keep in mind the following:
Insurers
The possibility that the cost of insurance for your vehicle depends more on how good or bad a driver you that traditional variables used by companies as the year of manufacture and mileage value is closer every day.
Several world-class insurance, with a presence in Colombia, are seizing on the progress of telematics for detailed driving habits of their customers and, based on this information, determine the risk that they can represent them to the When secure.
So, if you are driving with the speeding sites that offer little security, high traffic hours and also usually use your phone while driving, rest assured that around a couple years, it will ensure the car much more expensive if not moderate these habits.
Nicolas Delgado González, president of QBE Colombia, says that the company is already working under those parameters in Australia and is conducting pilots in Argentina and Ecuador before deploying in the country soon.
Its what they do the teams in F1: measure all the behaviors of the pilot while running, braking, accelerated, average speed; this allows to know precisely their driving habits. What is sought with this is to have a more logical offer insurance and the real risk associated not only to the model of car or the like, he explains.
Claims vehicles last year cost the insurance industry about 2 billion Colombian pesos, so the incorporation of this technology will help reduce the cost of claims and the value of policies to people, say insurers.
Telematics and the shift to a more secure based on the use permit insurers to provide customized coverage and pricing based more on risk, in order to achieve greater differentiation from the competition, says Sigma in his analysis secure digital distribution: a silent revolution.
Beyond price
Although the cost of the policy will remain a critical factor, more in Colombia, where it is seen that people prefer to secure your cart before housing or even your life or your family, experts believe that this can not be the most important variable when choosing car insurance, especially amid the fierce competition companies have to innovate in benefits and assists.
Rainer Schellenberg, Vice President of Business Development for AXA Colpatria said the first thing is to know the needs that are depending on whether the vehicle is a working tool or family use.
The second, he says, is not to stay with the first option, as not all policies offered in the market have equal coverage, exclusions, or managed care services the same percentage deductible in case of an accident.
But even in the selection of these added values, we must be very careful, because sometimes these can affect the price of the policy without the person noticing.
Delgado Gonzalez, QBE Insurance, said that we must try to find a balance between the cost of the policy and something that is used or not, that is, if it is a service offered by the company but does not represent a true value it is best not to take or choose one that does think may be useful.
Because the average cost of car insurance for Colombia is falling, about 600,000 pesos in the last seven years, according to estimates Fasecolda guild industry, companies have had to innovate by offering other securities to attract more customer.
In AXA Colpatria, in addition to traditional assists as driver chosen, crane if stranded, benefits and payment (damage) on site, works for accidents single transit in which the insured affects the vehicle is offer third. There he receives specialized to reconcile with the affected, among other assistance.
Other benefits, plus driver chosen, which provides most insurers when the person is not able to drive, are supplying another car while repairs of the insured, rebates deductible as collateral repair time and assistance for home.
When purchasing policy
To design tailored insurance, keep in mind the following:
- Coverage: Its not the same in every market policies. Choose the one that will protect him against more risks, such as partial or total car theft, damage to property or persons, legal defense, legal assistance, medical expenses.
- Attendance: Look for a company with national coverage. An unexpected, as grounding or accident can happen anytime, anywhere.
- Cost: Be very selective when choosing assists. Some may generate cost overruns as to give them the use or frequency.
- Probe: Require the advisory covers all the information, attendance and exclusions, ie, what is not covered, and when firm is satisfied that everything was clear.
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