CONTROLLO-QUALITA-ASSUNTIVA_ENG
NEW-DISTRIBUTION_ENG
VANTAGGI-ASSICURATORE-1_ENG
VANTAGGI-ASSICURATORE-SU-GESTIONE-AUTOMATIZZATA_ENG
Italian and European insurance companies adhering to the Assicuramat system benefit from the following advantages :
  • HYBRID INSURANCE DISTRIBUTION: ONLINE AND OFFLINE Assicuramat allows the client, who has an internet connection, to request quotes and receive insurance contracts wherever he is he is, at any time and without depriving himself of the advice of a qualified insurance intermediary contactable with a click, even in video conference. In this way the customer who relies on Assicuramat benefits from the same advice that he would have obtained by going to a traditional insurance agency. going to a traditional insurance agency. Assicuramat srl has also designed an off line totem that is being placed in thousands of Italian centers with high attendance and that subsequently will be extended in the EU. The customer who is waiting to be served in a The customer who is waiting to be served in a conventioned activity can use the totem – even without having an internet connection – to request quotes for insurance products or to stipulate an insurance contract without depriving themselves in real time of the advice offered by a qualified insurance intermediary. qualified insurance intermediary. In this way, each company has the possibility of presenting its insurance products to millions of customers interested in purchasing policies. the purchase of policies. And it is obvious that the insurer saves considerably on distribution, marketing and personnel costs.
  • AUTOMATED QUALITY CONTROL OF RECRUITMENT With the Assicuramat system, the insurer, considering the client’s risk certificate, customizes algorithmically its own rates and flexibility in order to prepare them in an appropriate way to the target of the client he intends to acquire. Moreover, the concept of unfair In addition, the unfair concept of agency discounts is overcome, whereby the same third-party liability risk within the same insurance company is quoted differently by its own agencies in the territory. from its own existing agencies in the territory. With the above modality, there is full control of the underwriting quality by the insurer. the insurer
  • CONTROL OF SALES NETWORK UPLOADS The Assicuramat system allows insurers to control the loading on the various insurance contracts brokered by the sales networks and to avoid systems where the costs actually incurred by the insured party in purchasing the contract are not clear. and to avoid systems in which the costs actually incurred by the insured party in the purchase of the insurance contract are not clear. insurance contract. Assicuramat prints the amount of the payment in real time for each buyer of an insurance contract whether the stipulation takes place online or at a partner agency.
  • SAME-DAY PAYMENT OF INSURANCE PREMIUMS Insurers participating in the Assicuramat system will have the availability of premiums paid by policyholders, using the platform within the working day following the day on which the customer paid the premium to Assicuramat using the virtual pos available in the application. It is possible to activate a simple red debit model so that the insurer receives the premiums paid by the insured on a daily basis, either insured, whether the insurance product has been purchased online or in a partner agency.
  • SIGNING DOCUMENTS IN DIGITAL FORMAT WITH FULL LEGAL VALUE The Assicuramat system allows insurers to receive, in real time at the time of stipulation, the insurance contracts and policy documentation insurance contracts and policy documentation that have been signed and issued to the client via the platform. Assicuramat takes care, in accordance with the law, of the phase of Identification of the insured party, before the latter affixes the electronic signatures, having full legal value. Therefore the insurer need only indicate to Assicuramat the storage space in which he intends to keep the signed Therefore, the insurer only needs to indicate to Assicuramat the storage space in which he intends to keep the signed documentation, in order to be able to simply dispose of it when necessary.
  • COMPENSATION OF CLAIMS TO CLAIMANTS FAIR, FAST AND CONVENIENT FOR THE INSURER AS WELL Assicuramat, in the immediate for rc auto contracts, allows insurance companies to optimize the costs of payment of compensation arising from road accidents. In fact, the integrated and automated management system of the road accident, present in Assicuramat, allows the insurer to obtain the dynamics of road accidents in real time and to be able, consequently, to prepare fair compensation to the rightful claimants in a very short time, distinguishing itself from competitors and saving on the costs of managing the accident. The customers of Assicuramat srl in fact entrust exclusively to the same brokerage company the procedures for compensation of the accident committing themselves in the stipulation of contracts to renounce to give mandates to legal studies for the compensation of damages by the insurer. the insurer. Furthermore, Assicuramat, in order to satisfy the desire of a large number of clients who have requested compensation for compensation for any claim in a short period of time and to quickly resolve any disputes with insurers, has implemented in its system a rapid system a rapid method of defining disputes between the insured and the insurer, delegating their resolution to the c.a.r.a.. This method of resolving disputes between insured and insurer guarantees undoubted advantages for both the damaged client and the insurer. the insurer. In fact, the dispute is resolved, also in telematic modality, in a short time, that is in two hearings and the sentence that will be issued in a short time is final and unappealable by the parties. Moreover the expenses of judgment of the losing part turn out of a few hundred euros. Moreover, Assicuramat has stipulated appropriate conventions in order to find on the whole Italian territory experts with proven experience, valid mechanical workshops (body shops, electromechanical workshops, tire dealers), companies producing spare parts for road vehicles, who are willing to work on road vehicles, who are willing to work at economically favorable conditions for insurance companies participating in the project. project. The insurer even has the possibility to buy wholesale spare parts to be sent to the partner workshops for the repair of the damaged vehicle, with the following conditions repair of the damaged vehicle, with a saving of about 50% compared to the same replacement part sold by a local repairer. a local repairer. Moreover, with specific agreements, the insurer has the possibility to buy all the spare parts that are needed during the year from the same European partner, which is the only one in Europe. year from the same European partner, who is able to supply them new, original or of equivalent quality, at economic conditions of extreme favor for the insurance company. extremely favorable for the insurance company. It follows that the insurer, adhering to the project Assicuramat, achieves an important savings both on the expenses of professional fees due to lawyers, experts, affiliated workshops and on the expenses for the purchase of spare parts of the vehicles to repair. spare parts of vehicles to be repaired. Moreover, with assicuramat, the insurer benefits from medical-diagnostic centers which are affiliated and independent both towards the insurance company and the damaged party. These centers are able to examine the patient and carry out any possible diagnostic evaluations with the aid, for example, of x-rays, within the third day from the expiry of the eventual report issued by the hospital. With the exception of the convention for the acquisition of spare parts, which requires a differentiated comparison between each company and the manufacturer. between each company and the spare parts manufacturer as the economic conditions for the purchase of spare parts vary according to the statistics held by each insurer and concern the quantity of spare parts purchased in the previous year, the other agreements are immediately available to each insurance company. are immediately available to each insurance company. By using the assicuramat circuit the insurance company saves more than 50% on the average cost of claims compensation. For more information on the automated claims management system integrated in To obtain further information on the automated claims management system integrated in Assicuramat, please refer to the relevant section of the website.
  • POSSIBILITY FOR THE INSURER TO ACQUIRE IMPORTANT MARKET SHARES Assicuramat allows insurance companies to realize important savings both in the distribution phase and in the phase of control of the underwriting phase of insurance products and both in the management and settlement phase of policyholders’ claims. With these substantial savings, the insurer can offer clients products that are more suited to the needs of the insured and demand more competitive premiums from clients. competitive premiums. With this combination, the insurer is in a position to acquire new shares of customers in the reference market.
  • COSTS Insurance companies can join the assicuramat project free of charge and easily. It is sufficient to use a banal API connection between assicuramat and insurance company software.