Assur&Detect Qorus Innovation in Insurance Awards 2019

Assur&Detect is a service combining home insurance and home security, in order to lower sinister risks (flood, fire, theft) and therefore reduce monthly insurance fees for beneficiaries (-50%). It is the first global service offer dedicated to home security and insurance : a single contract allows the customer to benefit from connected prevention devices, 24/7 assistance, home insurance and a mobile application. The user experience also distinguishes the service, since a touch tablet and a smartphone application allow the user to control his system and interact with his insurance (online damage report,virtual vault for facilitating discussions with the insurer in case of damage...) Positioning on this innovative service was first induced by the customers themselves, through discussion groups. The idea came from the perceived benefits of a safer home (lower risks of sinisters), therefore lowering insurance fees. There are no known competitors yet to this service ; the only synergy observed between home monitoring solutions and home insurance usually involves a -10% discount for users. Assur&Detect was co-constructed by two subsidiaries of Crédit Mutuel Arkéa : Suravenir Assurances (specialized in home and car insurances) and Arkéa Sécurité (specialized in home monitoring systems). The service is the result of 2 years of research and development. So far, deployment is successful and very well received by CMB bank advisors and customers.