SWINZ, the first All-In-One Spotify insurance for the new generations of consumers Qorus Innovation in Insurance Awards 2024 - Winner

SWINZ is a single all-in-one multi-line policy which, in addition to tenant cover (third-party liability and contents), covers the essential day-to-day risks of the policyholder and members of his or her family: Personal Life Liability, Legal Protection, Travel and Assistance, Soft Mobility and BOB. Accidents of Life cover can be added at the click of a button. The single contract works like a subscription to a digital service (Spotify, Netflix, etc.): quick and easy to take out, monthly premium, easy renunciation and no constraints.

SWINZ is a phygital product that can be taken out either - By the customer, completely autonomously. The offer is available instantly, and no personal information is required (no address, no age, no name). If the customer accepts the offer, only the personal information required to create the policy is requested. - Via a partner broker, in a simplified workflow that takes less than 3 minutes, ends on the customer's smartphone and is paperless.

Customers can digitally manage their policy independently (viewing their policy, history and documents, making changes to the policy, renouncing, declaring a claim, changing their preferences, etc.) in simple, end-to-end flows via the mobile application.

A broker is always attached to a SWINZ policy: he or she is always at the customer's disposal if he or she wants or needs one, and is visibly present in the customer application and in all communication with the customer, regardless of the channel through which he or she has taken out the policy. Because the new generations wants to do everything digitally, but is not at ease with insurance, we offer them an expert person to support them.