We innovate for our clients
Our strategy is aimed at the creation of long-term value and is also implemented through the use of innovative technologies.
The Internet of Things is transforming various industries and sectors and creating new business models.
Through simple and smart solutions, developed thanks to digital media and tailored to the needs of the customer, we want to change the very nature of life insurance, involving customers in prevention drives and encouraging them to improve their state of health and wellbeing.
In Italy, thanks to the agreement finalised with Nissan, Genertel has launched an initiative that promotes the adoption of responsible driving behaviour through a system that increases safety levels: Safety Shield. Installed in the vehicle, it includes a brake assist system, an alarm to prevent drivers from falling asleep at the wheel and a system that expands the driver’s field of vision to make overtaking safer. In follow-up to this initiative Genertel supports Nissan in the launch of the new Micra, a vehicle fitted with Forward Emergency Braking (FEB), a system that automatically brakes the car in the event of a potential frontal collision. The new function was successfully tested by Generali Innovation Center for Automobile Repair (GeneraliCar) together with Nissan Europe.
Generali has also launched a partnership with French start-up Ellcie Healthy to develop smart glasses. By acquiring personal data these innovative glasses make it possible to assess the level of tiredness of the driver and measure the risk of them falling asleep, thus reducing the percentage of road incidents. Generali, which has collaborated with various start-ups for some time to design innovative solutions to incorporate in its insurance solutions, financed the launch of the project and will continue to work with Ellcie Healthy to develop innovative solutions in the future. Isabelle Conner, Generali Group Chief Marketing & Customer Officer, commented: “These products are integral to the digital experience we want to offer our customers. Risk prevention and a better quality of life are key goals for Generali.”
In Germany the Vitality programme, which encourages people to adopt a healthy lifestyle, is open to all new customers, regardless of their state of health, who can decide what information to provide to record their progress in relation to their individual goals.
For years we have been present the area of telematics, using technology tools such as Mobile Apps or Black Boxes, to encourage the adoption of responsible driving behaviour, reducing accidents and collecting useful information that can be used to provide products and services that are increasingly tailored to the needs of customers.
The Connected Agent programme is an initiative that was launched by the Group to equip our agents with digital tools in line with the new customer approach to insurance, giving them greater visibility online, on the social media and on mobile devices. The creation of web&mobile tools was completed in Spain, Argentina, Austria, Switzerland and Indonesia, where agents are now equipped with tools that enable them to make effective use of the social media.
We also strive to offer our customers the possibility of interacting with us using mobile devices. This is why we created Mobile Hub, a Group-level platform that will enable our customers to manage their policies easily and independently. They will be able to make claims, contact an agent and renew policies directly from their mobile phones. Mobile Hub is already active in France and Switzerland and will soon also be launched in Italy and Spain.
Recently launched, the first connected home policies represent important innovations in the domestic risk insurance sector. The new products guarantee:
- active assistance
- reimbursement of damages.
They constitute an important development that anticipates the needs of the customer. In addition, the insurance solutions are based on prevention and active assistance also in policies to protect the family and the home.
In Germany, in association with its partner Devolo, CosmosDirekt has launched a solution that combines coverage for damage to the home with the installation of an anti-intrusion kit based on remote monitoring via an app. Following the success of the initiative the collaboration has continued in 2017 and Generali Versicherung has made GeneralPlus-Protection available to its customers, a modular solution that also includes sensors that detect leaks in water pipes. The use of smart solutions therefore enables us to protect the customer as part of a process focused on prevention and the creation of value.
In January 2017 a partnership agreement was established with Nest Labs, a Google-Alphabet group company, to develop a unique solution dedicated to home insurance policy customers. Via Nest Protect, a smoke and carbon monoxide detector, Generali customers will be able to reduce the risks for their family and home thanks to an alert received on their smartphones.