INNOVATION - THE PRODUCTS
SALES
Integrated insurance and banking services
A characteristic feature of Unipol Gruppo Finanziario is its original distribution and customer service model, centred on integration between insurance agencies and bank branches. At the end of 2009 there were 180 (out of a total of 299) branches of UGF Banca which are co-located with UGF Assicurazioni S.p.A. insurance agencies. The agencies, too, are gradually being accredited for the sale of the main banking and finance products.
PRODUCTS
UGF Assicurazioni: ‘Unlimited safety’
‘Safe mileage’ is UGF Assicurazioni S.p.A.’s new Motor policy offering safety, savings and service:
- - safety, through the option of personalising cover based on your own driving habits and fitting new models of Unibox (Unibox Easy);
- - savings, through a rate per kilometre that rewards you if you don’t use your vehicle often and through the ‘protected no-claims bonus’, in other words, the possibility offered to virtuous drivers of maintaining their risk category in the event of their first own-responsibility accident;
- - service, through the opportunity of taking advantage of the network of over 3,000 approved bodyshops (Comfort Repairs), which guarantee customers quality, speedy repair of their vehicle.
-
- In addition, when you choose to receive notices about your policy by e-mail, UGF Assicurazioni will pay a contribution towards the creation of green areas in towns in your region.
Unisalute ‘Ti vuole bene’
UniSalute, the Group company specialising in the healthcare sector, has introduced a guarantee of post-trauma psychological support, called ‘Ti vogliamo bene’. This is a first for Europe and is for now limited to policies in the context of National Agreements (Coop, CNA, Confesercenti, CIA, CGIL, CISL and UIL members). The product, which is also distributed by Unipol, provides for care under a psychologist specialising in emergency psychology and psychotraumatology. Indeed, concern for the physical consequences of a road accident is not enough; the psychological damage may significantly reduce the quality of life of the accident victim and that of members of their family.
Linear's ‘tribe’
Linear, UGF’s direct, telephone and Internet company, has updated its website (www.linear.it) and offers a way of communicating for those who are interested in taking out a policy, in keeping with the times. Via the site they can request information and opinions from other policyholders to find details directly about the policy terms and the service received. Thus was born the Linear ‘tribe’, which eliminates the distance between the company and its customers, getting users to talk to each other, without fear of being criticised, and confident of receiving good references from those who are already customers.
The ‘black box’
In the motor insurance sector an original computerised rescue service stands out as both modern and effective. Unibox (for Unipol), Aurobox (for Aurora) and Linearsat (for Linear): these are satellite-based assistance services for cars and people, introduced on to the market in 2005 after a pilot phase, allowing the vehicle’s operation to be constantly monitored.
In January 2010 there were over 509,000 of these devices installed, guaranteeing a number of benefits, including savings on the cost of Motor TPL policies (around 20%), fire and theft (50%), fully comprehensive insurance (highly reduced cost), immediate location and recovery of the car in the event of theft, immediate alert to the emergency services if an accident occurs and the opportunity to reconstruct the sequence of events.
Since 2007 Young Unibox has been part of the range and is the first Motor TPL product entirely designed for young people; it eliminates the premium surcharge traditionally paid by all drivers aged under 30 who are traditionally considered to be at risk.
SETTLEMENT OF CLAIMS
Agreement with the Consumer Organisations
Unipol Gruppo Finanziario signed a significant Collaboration Agreement for the development of ‘Conciliation’ in the settlement of Motor TPL claims with 14 Consumer Organisations . The ‘Conciliation’ process is accessible for all claims which fall within the application criteria for direct indemnity, as well as for other Motor TPL claims, provided that the request for reimbursement does not exceed €50,000.
Sertel
Sertel is a telephone and computer-based claims settlement service managed by Unipol, Aurora and Linear. The Sertel operation centres have a computerised link to a network of professionals and bodyshops, the agencies, regional settlement centres and national databases.
Salutesì
A unique project of its kind in Italy, it involves UGF Assicurazoni agents, the claims management telephone help line and UniSalute, the Group’s company specialising in health cover. An experiment since October 2009, it aims to provide road accident victims (in terms of direct indemnity, with an agreed accident statement signed by both parties) with a diagnostic-therapeutic support programme from the time of the accident until recovery and final settlement of the loss.