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(AOF) - According to a study by strategy consulting firm Akoya, the eight pillars of the insurance value chain (supply design, distribution, contract and claims management, expertise and prevention, asset management, steering, support and non-insurance services) are impacted by the digital wave, the data revolution, the emergence of new risks, modern requirements as well as regulatory changes. Indeed, the development of innovative digital tools allows automation of certain management tasks as well as a multiplication of distribution channels, which leads to a proliferation of new online insurance. Data from policyholders or prospects has always been a key resource for insurance stakeholders.  They make it possible to better understand customers and prospects and thus to design offers adapted to their needs, especially in the face of emerging risks. Global warming, the aging of the population, and the appearance of new technologies are creating new risks that must now be insured. Fa...

Insurance often evokes feelings of financial insecurity.  Some people find it a way to steal money from others and others do not know what it is for.  However, by signing an  insurance contract , we are putting much of our money in good hands.  This allows, over the long term, to  build up savings  and also to  insure against possible risks , depending on the type of insurance chosen: personal insurance, property or claims insurance, and insurance activity. Taking out insurance also has  advantages , still little known to the public, in terms of security, taxation, and profitability.  But rest assured, we will explain it to you. Real profitability How can insurance be profitable?  Insurance, in practice, is a contract by which the insurer undertakes to pay a certain sum to the insured on the occurrence of risk by means of the payment of a premium or premium periodically.  There are several kinds of insurance, but all allow the insur...

To fully understand the legislation concerning liability insurance ... Article L.124-1 of the Insurance Code: condition for applying for liability insurance. “In liability insurance, the insurer is only liable if, following the harmful event provided for in the contract, an amicable or legal claim is made against the insured by the injured third party.  » Article L. 124-1-1 of the Insurance Code: definition of the harmful event linked to liability insurance. For the purposes of this chapter, a claim is any damage or set of damages caused to third parties, engaging the responsibility of the insured, resulting from a harmful event and giving rise to one or more claims.  The harmful event is that which constitutes the cause of generating the damage.  A set of harmful facts having the same technical cause is assimilated into a single harmful fact.  » Article L.124-2 of the Insurance Code: « The insurer can stipulate that no acknowledgment of responsibility, no transactio...

Need for a mutual health insurance  Health  insurance, as well as medical costs, increase from year to year.  In fact, health insurance inflation is higher than that of food and other items.  While inflation in the food and clothing sector is single digits, health insurance costs usually climb to two-year digits. Considering the high price of the main medical treatments, health insurance is imperative for just about everyone.  However, the costs, coverage, and other features of health insurance vary widely.  It is therefore important to choose the plan based on your needs, resources, and medical history. Identify your source If you are lucky enough to take out health insurance provided by your employer, limit your options to the plans offered by your employer.  If you are not covered by your job, an organization or association to which you belong can allow you to take out health insurance through this one, at a group rate. Another option is to check th...

Many people wonder "  what happens if I cancel insurance in the middle of the year"  .  Especially in the cases of motorcycle insurance or car insurance.  The main question is usually if the companies are going to return the amount of the proportional part that remains to be "spent" until the end of the contracted term. A few days ago we told you  what to do to change your insurance company . And there we explained the legal obligation to  notify the company of the change two months in advance.  And the company's obligation to notify the user of the next expiration and renewal of the insurance, also with those two months. It should be clear that what is contracted when signing an  insurance policy,  of any branch, is an  annual insurance contract .  This means that once the policy takes effect the contract does not expire until after the year.  And this is independent of the form of payment that is established in each case. The...

Bike insurance renewal is simple and the process can be completed online in a few steps in a quick time. X You must be aware that insurance gives you complete protection against unforeseen events. A bike owner’s life always remains in the fast lane! Just kick-start your bike, shift gears and hit the road at full throttle. In this COVID-19 era, however, that seems to have a bit changed as moving out of one’s home is not that easy. But, even during the lockdown period when traveling is largely curtailed, there’s one thing that should not be out of your sight – the insurance cover of your two-wheeler. Yes, your bike has always been your best companion while traveling and you must have got that by saving your hard-earned money. However, whether you are able to ride it during the lockdown or not, there are some responsibilities towards your bike which you need to fulfill — the first responsibility being not letting its insurance cover expire. Why You Should Keep Your Bike Insured You must b...