Insurance is a strange business. Clients are buying insurance in case of something they wish will never happen. Or as a form of a long term investment. Or because they are obliged by the law to have it. Either way there’s a feeling of paying for something and receiving nothing tangible in return. There are no frequent, positive, enjoyable or meaningful interactions between insurance companies and their clients. And when there is an interaction it is often in a sad circumstances of an accident or illness.

Digital initiatives by insurance companies are mostly concerned with selling and claims, and not much in between. But we think there are many possibilities for Value Added Services in insurance to make insurance companies a more helpful presence in their clients’ everyday lives. It’s a way to build a deeper connection with a brand. Otherwise insurers are in a trap of competing on price only, and maybe on quality of their services — but most opinions found online will be bad, because unhappy customers are the most likely to share their views.

Here’s a few ideas.

Connected Car and Helping Drivers

In 2013 we came up with an idea for a device that can connect virtually any car to the Internet. Our earliest concept was that this device, connected to a cloud, could predict a case of a breakdown of a car, then contact the driver and send a repair vehicle perfectly adapted to remove the discovered failure. We presented this concept to the largest insurance company in Poland — PZU, they became interested, and PZU Drive was born.