Anche l’assicurazione auto strizza l’occhio ai gruppi d’acquisto grazie alle piattaforme digitali. Ma i clienti che ne pensano?
Assicurazione auto: il futuro passa attraverso l’intelligenza artificiale e le tecnologie digitali. Nuove piattaforme consentiranno di sottoscrivere l’RC auto in gruppo.
Il futuro dell’RC auto è “ibrido”
Anche il mondo dell’assicurazione auto si rivolge alla tecnologia digitale con interesse sempre più forte. Lo testimoniano gli investimenti: se nel 2014 sono stati 800 i milioni di dollari spesi a livello mondiale in oggetti strutture digitali, nel 2016 il conto è salito a 1,7 miliardi di dollari.
La parola d’ordine sarà dunque InsureTech, ma cosa dovremo aspettarci? Un robo-advisor ci consiglierà sulle scelte migliori, oppure consulteremo in tempo reale i valori di una polizza sullo smartphone e potremo anche sottoscrivere l’assicurazione auto attraverso gruppi d’acquisto tra persone con lo stesso stile di guida.
Non cambieranno solo i modelli di business delle compagnie assicurative ma anche le abitudini degli assicurati. Ti stai chiedendo se dovrai dire addio all’agenzia fatta di mura, porte e quant’altro? In realtà no perché la strada verso il futuro dell’ RC auto conduce ad uno schema ibrido. Commenta così il managing director di Accenture Massimiliano Livi:
Andiamo verso un modello che noi chiamiamo phygital: Consente ai clienti di muoversi senza difficoltà con i nuovi strumenti digitali e alle reti di agenzie di promuovere attività a maggior valore aggiunto e tenere relazioni a 360 gradi con gli assicurati.
Assicurazione auto: l’acquisteremo in gruppo?
Nei paesi anglosassoni sono già in sperimentazione delle piattaforme di intelligenza artificiale in grado di creare e gestire veri e propri gruppi d’acquisto. La modalità è la peer-to-peer, resa possibile proprio dalle reti digitali, e raggruppa persone dallo stesso stile di guida disposte a condividere i rischi pur di sborsare premi più bassi.
Un sondaggio, condotto proprio da Accenture, ha coinvolto 32.715 clienti in 18 nazioni nella ricerca di mercato Financial services global distribution 2017. L’indagine ha evidenziato un forte interesse verso questa modalità collettiva di sottoscrizione della polizza auto.
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