But you already Allsecur intended for users customer

Allianz France has just announced the next launch of a new car, eAllianz Auto, accessible on the comparator Assurland offer. CEO, Jacques Richier, explains the "Echos" how this approach is a breach, as it seeks to find the martingale reconciling Internet and the network of general agents. The goal is to exceed the traditional opposition between direct sales and sales intermédiée, to capture the "hybrid" client-40 to 60 of the market-, who wants to have the choice of its distribution channel. Concretely, the client who will pursue on Assurland product eAllianz Auto will have the choice to be reoriented or not to a general officer, will then have the mission of the loyalty in the multiéquipant. An innovation which, in the term, will measure the perceived value of the network, and the strength of the brand. Allianz is 10,000 contracts eAllianz Auto per year, or 3 of the new business of the network of agents, but intends mainly to bring a new model.

Why go through a comparator rather than throwing eAllianz Auto directly from your site

The starting point is simple: how to support the activity of General officers, slight erosion in recent years, the risk of mass This isn't a problem of competitiveness. The market is saturated and the number of players is multiplied. The question is therefore how we come to create the workflow. We started to discuss on the theme of multidistribution with the Union of general agents last July. Allianz is a multi-channel, but each channel independent, which is a constraint for the client. Today, the client wants to be free to carry out its purchase as it wishes, and it would be a mistake to consider that it is exclusive to any particular distribution channel.

But you already Allsecur, intended for users customer...

Our thinking is to reconcile the need for freedom of the client and our desire to live the multidistribution. Traditionally, it is considered that Internet is opposed to the networks of agents. We believe that it can complete. Allsecur responds to the needs of the clientele of Internet users is not intermediation and that represents 5 to 7 of the market according to the classes of insurance. Allsecur operates in accordance with our plans, with a rise in progressive load since the launch in September 2009. eAllianz Auto, on the other hand, is the hybrid client which may, as the case may be, buy its contracts of insurance on the Internet or in an agency. This target is much larger, since it represents 40 to 60 of the market! The issue is size.

Why Assurland Is this an exclusive agreement

If the goal is to bring the client, the comparands are, de facto, become essential. When we decided to put on the Internet offer for the benefit of agents, we have considered several solutions. We chose the best compromise between traffic, the cost of our presence on the comparator and perceived independence, confirmed by the recent announcement of his introduction on the stock exchange. There is no concept of exclusivity with Assurland but for the moment, we have no reason to disperse us.

How specifically the network benefit of transactions via Assurland

It is a platform which will be the pricing and subscription. The innovation lies in the fact that at the end of the transaction, or at any time during the life of the contract, the client may choose to be in relationship with an agent, thereby becoming his client. This is a major break and I am sure that we'll be copied quickly! The agent will then commissioned at a lower rate to practice at a sale face to face. Its added value will be to provide proximity and professionalism and therefore sell its customer contracts, loyalty and other multiéquipement going hand in hand. The rate of reorientation towards the officer will be a very good indicator of the perceived value of the network. The rate of transformation on Assurland, will allow us to also test the value of the mark. Our sense is that a strong brand is worth 10 to 20 more expensive than a 100 Internet brand.

Will the choice of being in relationship with an agent be affected on the price

The car eAllianz client will pay the same price, it remains 100 Internet or he chooses to be in relationship with an agent. The price of this product positioning is intermediate between pure direct and face-to-face, i.e. between AllSecur and traditional product sold Agency, it being understood that each offer has specific technical features.