Going in person to the office of an insurance company, a trusted broker or any financial institution authorised to sell insurance was the usual procedure for taking out insurance until a few years ago. Today it is possible to take out insurance without leaving home, either by telephone or online, and it will undoubtedly be an increasingly common procedure as the new generations, digital natives, are the ones who make decisions on the purchase of all types of insurance.<\/p>\n
In the digital age, however, the role of the advisor, for example a brokerage that explains the details of the product to the customer, will continue to be key, regardless of the channel the customer chooses to insure themselves. In an environment of economic stagnation and high inflation, such as the one we are living in, the price of the policy and the real coverage it offers, and above all its fit with the real needs of each client, become even more important.<\/p>\n
In the new technological era, strengthening customer service will be paramount for the entire insurance sector, according to many specialists, because the greater agility in contracting and the greater availability of data on user behaviour should also lead to a hyper-personalisation of insurance, tailor-made suits, to put it colloquially, on which each customer will also need personalised attention. There are risks that a customer may want to cover that are not included in a standard product, and where the entry into play of a professional advisor can completely change the quality of the product taken out by a customer based on his or her real needs.<\/p>\n
The spread of technology will certainly not obviate the need, for example, to accurately calculate the insured capital or the real value of a house in the case of home insurance in order to avoid situations of underinsurance or overinsurance, the two major threats to the policyholder who takes out a policy.<\/p>\n
According to industry data, in 2021 (the last year for which complete data is available) advertising campaigns in the insurance sector grew by 6%, and the message was mostly focused on price, indicating that according to specialists price is the determining factor in moving a customer at the moment. But the final price of a policy, based on the actual coverage it offers and the actual needs of a user, is not always easy to calculate. That is why, even in the age of the Internet, personalised attention and the role of intermediaries such as brokerages are called upon to play a decisive role.<\/p>\n
(*) The final price is important in the decision to formalise the contract, but only if we have first checked that the guarantees, deductibles, capital and insurance conditions are adapted to the client's needs.<\/p>","protected":false},"excerpt":{"rendered":"
Acudir en persona a la oficina de una compa\u00f1\u00eda de seguros, una corredur\u00eda de confianza o a la de cualquier entidad financiera autorizada para vender seguros era el procedimiento habitual para contratar un seguro hasta hace unos pocos a\u00f1os. Hoy es posible contratar un seguro sin salir de casa, bien sea por tel\u00e9fono o por […]<\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[17,152],"tags":[],"class_list":["post-2612","post","type-post","status-publish","format-standard","hentry","category-mediacion","category-profesionales"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/2612","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/comments?post=2612"}],"version-history":[{"count":0,"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/2612\/revisions"}],"wp:attachment":[{"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media?parent=2612"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/categories?post=2612"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dev.pibgroupiberia.com\/en\/wp-json\/wp\/v2\/tags?post=2612"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}