Insurance: what will change in 2017

New modes of travel, consumption, behavior of policyholders, the year 2017 opens in an environment that promises to be changing for insurers. They are aware of it and are trying to adapt.

The arrival of digital technology in all sectors of society is causing a permanent evolution of technologies. The uses are multiplied, diversified and generalized. Insurers must adapt. And at the same time there is a certain suspicion hanging over them with regard to life insurance contracts or unclaimed funeral. The details of what will change in 2017 in the insurance sector .


Car insurance in full disarray

The sharing economy has changed the behavior of policyholders. They no longer own their property, they share it according to their needs. Gradually, the insurer should not only ensure ownership but also uses and mobility on demand.

In 2017, the response of car insurers will go through embedded technology. The offer of auto-connected insurance contracts are beginning to develop. They will help ensure motorists on demand and at the right price, according to actual kilometers traveled and individual driving behavior.

●  Good to know

In the language of insurers this is called today "pay how you drive", in other words: insurance à la carte.

●  The question of autonomous cars

Another major upheaval in the world of auto insurance: smart cars. Stuffed with technology, they already know how to manage the pace and direction, avoid dangers, slow down when they detect that the driver is experiencing a phase of inattention or fatigue.

For insurers, only one question arises: who will be responsible in the event of an accident? For the moment the owner of the vehicle remains designated. But in the long run will not it imply the responsibility of all actors: manufacturers, subcontractors but also the giants of the web who centralize all navigation data? 2017 may allow you to start answering this question.

Opening of Cyclades for insurance contracts vi e

On January 1, 2017, Caisse des Dépôts opened the www.ciclade.fr website. It offers the beneficiaries of a life insurance policy, not paid for more than 10 years, to be refunded the amounts that are due to them.

It is a service created following the "Eckert" law of June 13, 2014. It allows to search for free sums from life insurance and inactive accounts transferred by insurers to Caisse des Dépôts.

● Reminder

A life insurance policy may be dormant following the death of the subscriber without the insurer having been informed of it, or without being able to identify the beneficiary or beneficiaries. After 10 years, the sums must be transferred to the Caisse des dépôts. After 30 years, they are definitely returned to the state.

L'Agira for funeral contracts

The subscriber of a funeral contract does not always inform his beneficiary of the existence of the contract. Consequence, at the time of the death the family can seize the Service Research of the beneficiaries in the event of death of the Association for the management of the information on the risk in insurance (www.agira.asso.fr). The referral is free and is carried out by simple mail (1, rue Jules Lefebvre 75431 Paris Cedex 09) or by email (agira@agira.asso.fr).

For 2017, the insurance companies have undertaken to respond to families within 3 working days of receipt of the request.