Amaline Drives UBI Costs Down & Satisfaction Up with Scope
About Amaline Assurances (a Groupama Company)
Amaline Assurances is the Internet division of the Groupama mutual insurance group, based in France. Groupama is headquartered in Paris and has operations in 14 countries
Despite intense competition, Groupama is ranked No. 3 among automotive insurance providers in France. The Group insures around 4 million private passenger cars, not including corporate fleets.
Amaline Assurances pioneered Usage Based Insurance (UBI) in France as early as 2008, when they innovated by calculating their automotive insurance policy holders’ monthly premiums based on mileage. However, the solution that Amaline used in those early days required a third-party technician to install telematics devices in their policy-holders’ cars, which they felt was unnecessary overhead.
Amaline wanted to reduce the cost of its UBI offering by eliminating the expense and hassle of third-party installation networks. By reducing the cost of the solution, the Amaline team felt they could more easily convince new users to come on board.
So the company sought a self-installable telematics device, but with the stipulation that the device be an upgrade from their current system, offering additional features that would further attract potential customers.
Amaline adopted the DriveProfiler solution from Scope Technologies to power its UBI offering in 2012. At the same time, Amaline introduced web-based applications as added services based on the data provided by the Scope solutions. These services include:
Accident Notification through “Connected Cars”
In case of a road accident, the “connected car” triggers an automated workflow that checks the severity of the accident and will send the customer a text message providing them with relevant online services for assistance and claim submission.
Estimating future charges
With the monthly insurance fee based on the amount driven, insured customers can see exactly where they stand through the online application.
“Find my car” and other services
Drivers can check where their car is parked, how much they have paid, how far they have driven, and more.
Scope provides superior end-to-end telematics solutions from the hardware to the software to the services. They are strong in managing the entire solution, and when Scope promises something I am always confident that they will follow through on their commitment.