The year 2017 opens in a changing environment for insurers in France. Today, digital technology is constantly changing technologies in all sectors of society. Uses are multiplying, diversifying, becoming widespread and insurers having to adapt.
At the same time, a certain suspicion weighs on them with respect to life insurance policies or unclaimed funeral. Here are some innovations envisaged in this sector during the year 2017.
The collaborative economy has changed the behavior of policyholders. They no longer own their property, they share it according to their needs. Insurers must not only ensure ownership but also uses and mobilities on demand.
In 2017, the response of auto insurers will pass through embedded technology. The offer of self-connected insurance contracts is beginning to grow. These contracts will make it possible to ensure the motorists on demand and at the fairest price, according to the kilometers actually traveled and the individual behavior behind the wheel.
The question of autonomous cars
Another major upheaval in the world of auto insurance: smart cars. Full of technologies, they already know how to manage the pace and direction, avoid dangers, brake when they detect a phase of inattention or fatigue on the part of the driver.
For insurers, a real question arises: who will be responsible in the event of an accident? For the time being the owner of the vehicle remains designated. But in the long term should we not involve the responsibility of all the actors, not only builders, subcontractors but also web giants who centralize all navigation data?
In 2017, this question will no doubt be answered.
On 1 January 2017, the Caisse des Dépôts opened the website www.ciclade.fr.
It offers recipients of a life insurance contract, which has not been settled for more than 10 years, to receive the sums owed to them.
This service, created following the “Eckert” law of June 13, 2014, makes it possible to search for free the sums resulting from life insurance and inactive accounts transferred by the insurers to the Caisse des Dépôts.
A life insurance contract may be dormant following the death of the subscriber without the insurer having been informed of it or without being able to identify the beneficiary or beneficiaries. After 10 years, the sums must be transferred to Caisse des dépôts. After 30 years, they are definitively donated to the State.
The Agira for funeral contracts
The subscriber of a funeral contract does not always inform his beneficiary of the existence of the contract. Consequently, at the time of death, the family can contact the Research Department of the beneficiaries in the event of the death of the Association for the management of insurance risk information (www.agira.asso.fr).
The seizure is free of charge and is done by simple mail (1, rue Jules Lefebvre 75431 Paris Cedex 09) or by email (firstname.lastname@example.org).
For 2017, insurance companies are committed to responding to families within 3 working days of receipt of the request.
Source : Le figaro