Zurich Insurance is a leading global insurance company based in Zurich, Switzerland. As one of the largest insurance companies in the world they are always committed to provide their customers with innovative and tailored insurance solutions.
A pilot project in Germany is discovering this field further and is led by the question: How can we improve the customer experience when a claim happens?
OBI+ is a company with a highly tech-influenced background. They work with lots of data analytics and felt since the very beginning there is one question no one in the market is asking, and that is… What to do with the data once customers get it? According to them, there were very few people who could answer that back then around 2016 – 2017. Everybody was so focus into getting data, but nobody knew what they needed this data for, and what use cases they would like to cover with it.
OBI+ shared with us some main pain points that their clients were having back then and how could they improve them with CARUSO data.
Offers like pay-as-you-drive provide great flexibility for consumers. Currently, however, they often have to send their mileage via e-mail to the insurance company. Once the driver gave consent, the insurance company automatically receives the mileage status of the car. Further, customers can benefit from tailored insurance policies based on their driving style. With this solution providers like insurance companies have fewer administration costs and less risk of wrong transferred values. The Insurac app demonstrates a pay as you drive scenario and how CARUSO takes care of GDPR compliance.
Providing adequate help for victims of traffic accidents has been becoming progressively harder for emergency helpers in the past few years, especially for firefighters. Depending on the car’s technology, different tools have to be used and brought to the accident site. The data delivered through the CARUSO Dataplace – such as vehicle type, engine coolant temperature and doors and lock status – can be easily accessed by the rescue team even en-route to the crash site. They thereby saving time and allowing them to reach the crash site armed with vital information that can make the rescue comparatively easier and safer.
Currently, people pay for cars that are mostly parked. So why not share the car with friends and others that live nearby? But how to know who has to pay what and when the car is available? The car sharing app calculates the right amount based on the driven mileage and the time that each member used the car. Additionally, there is a scheduling tool provided and members can easily check the current location of the car. Imagine greener cities and no trouble finding a parking space. This app makes private car sharing as easy and convenient as public transportation.
Want to go on vacation and the car’s service inspection lamp goes on is truly annoying. How about an app that makes life easier because it saves time and resources? Users can book their slot at the workshop and the workshop already knows potential issues. In the best case, the mechanics can even order spare parts in advance. All resulting in the owner getting their car back much faster and planning better ahead.
Finding a free charging station can be challenging, especially in an unfamiliar area. With this app, the user is able to explore all electric charging stations around him and book a station in advance. No more driving to the station just to find all slots to be taken and needing to wait half an hour or more before charging. The car owner has the option to check how long the charging process will take and gets an overview of the different offers.
If a car stops in middle of the highway, the last thing the driver needs is to wait hours to get help. The “Help my Car App” provides roadside assistance by informing the assistance operator of the automobile club about in-vehicle data in advance. With such information, decisions can be made before the mechanic arrives at the scene. For example which spare parts are needed, whether the car must be towed or in which case a rental car can be provided.
We are working together with some of the largest companies in the industry across all market segments. We are proud to have them on board and pleased that many more companies are about to join them.
