The Magic of Highly Personalized Insurance – How Smart Forms for Mobile Insurance Apps Drive New Levels of Interaction

Everyone enjoys fairy tales. They are fun – everything is pretty, the good prevail (usually), the backdrop is a celebration of some kind, and they take place in a fantastical setting, usually far, far away.

One of the most popular features of a fairy tale is that there is magic, and specifically, that things magically appear. Who doesn’t like the concept of wishing for something to have it appear out of nowhere? In the 21st century magic, Harry Potter fans know, and use, the term “apparate” – the invented verb describing when a wizard magically transports and appears out of thin air.

In 21st century reality, digital transformation is driving what was once considered magical capabilities. Smart forms with their increasing ability to customize options to a specific customer group, are replacing mass market paper forms across various industries, including insurance.

The core technology for this level of customization is a template, or blueprint, for the smart form. How it is designed and populated determines what it looks like and what personalized data is presented. It is like the form is telling the customer, “we already know you.” When the customer feels like the insurance carrier already knows them, they are more engaged and more likely to have a better customer experience.

As smart forms evolve, they are more commonly used on mobile devices. As a result, insurance apps on mobile devices are developing rapidly, and offering interactions and capabilities that until recently seemed magical. Our customer and specialty insurer Beazley leveraged Xpertdoc Smart Forms to launch the first ever fully personalized insurance policy. Until now, all insurance policies have been paper or PDF documents comprising two main parts: an initial “declarations” page summarizing the coverage purchased and a much longer, standard policy wording that shows all possible forms of available coverage, including coverage not purchased. Beazley has integrated the two parts of the Weather Guard policy into a personalized digital (HTML) document that is far shorter and easier to understand. Try and personalize your insurance policy here!

Mobile insurance apps are particularly useful, providing information as well as the ability to communicate in both urgent and everyday scenarios. Say one winter day, you hit a patch of black ice and wind up skidding into a pole. Nothing too serious, but there is enough damage to file a claim. Your mobile insurance app conveniently provides an accident checklist and support features. You can instantly access proof of insurance, so you can skip opening your glove box and riffling through papers. Your app tells you where to upload pictures of the damage that you can snap on your phone, allowing you to begin your claim process immediately. Emerging embedded technology can even facilitate police communication to your insurance carrier, while your mobile app might be connected to a local weather bureau, so that the risk acceptance for an accident was already recorded.

Like magicians of the old days, most of the tricks are behind the scenes. But the resulting capabilities in the age of digital transformation are real and lasting.

To learn more about Xpertdoc Smart Forms, follow us on Twitter: @xpertdoc, @David_Squibb

Personalized Insurance with Smart Forms

COVID-19 update

The spread of COVID-19 continues to evolve and in this context, we wish to inform you that Xpertdoc is closely monitoring the situation and would like to inform you of the measures taken by our team to support its employees, customers and partners.

We do not foresee any impact on the delivery of our services and want to assure our customers that we are executing our continuity plans in order to ensure that our customers continue to receive our services without jeopardizing the safety and security of our personnel.

In accordance with the recommendations of government authorities, here are some of the measures being taken by Xpertdoc:

Remote work for all employees
Arrangements have already been made and we have requested that all our employees work from home. Our continuity plan includes a full deployment of remote work arrangements to ensure uninterrupted service to our clients and partners.

Hosting and cloud services
We have been assured by our suppliers that there are no known impacts to these services, and we are confident that we are able to effectively manage the delivery of our cloud services to all our customers.

Travel
We have cancelled all business travel until further notice for all our employees. If employees have or will travel for personnel reasons, they will be asked to respect the quarantine delay before participating in any business activities.

Events and gatherings
All our events have been postponed or cancelled. Our employees are no longer allowed to participate in any events, seminars or gatherings.

We are committed to providing the best possible service to our customers and partners, to ensure that you can continue digital communications with your own audience. In these critical moments if we can help please do not hesitate to contact us.

Regards,

The Xpertdoc Team

Mise à jour sur la COVID-19

La propagation de la COVID-19 continue d’évoluer et, dans ce contexte, nous souhaitons vous informer que Xpertdoc suit de près la situation et que notre équipe a pris des mesures pour soutenir ses employé(e)s, clients et partenaires.

Nous ne prévoyons aucun impact sur la prestation de nos services et voulons assurer nos clients que nous mettons en œuvre notre plan de continuité des affaires, afin de garantir que vous continuiez à recevoir nos services, sans compromettre la santé et la sécurité de notre personnel.

Conformément aux recommandations des autorités gouvernementales du Québec, voici quelques-unes des mesures prises par Xpertdoc :

Travail à distance pour tou(te)s les employé(e)s
Nous avons demandé à tou(te)s nos employé(e)s de travailler à domicile. Notre plan de continuité des affaires comprend des arrangements de travail à distance pour assurer un service ininterrompu à nos clients et partenaires.

Hébergement et services infonuagiques
Nos fournisseurs nous ont assuré qu’il n’y avait pas d’impacts connus sur les services d’hébergement et infonuagiques. Ainsi, nous sommes convaincus d’être en mesure de gérer efficacement la livraison de nos services infonuagiques à tous nos clients.

Voyages
Nous avons annulé tous nos voyages professionnels jusqu’à nouvel ordre, pour tou(te)s les employé(e)s. Si des employé(e)s ont voyagé ou doivent voyager pour des raisons personnelles, il(elle)s seront placé(e)s en quarantaine pour une durée de 14 jours, avant leur retour au travail.

Événements et rassemblements
Tous nos événements ont été reportés ou annulés. Nos employé(e)s ne sont plus autorisé(e)s à participer à des événements, séminaires ou rassemblements.

Nous nous engageons à fournir le meilleur service possible à nos clients et partenaires, afin de garantir que vous puissiez continuer vos opérations sans interruption. Dans ces moments critiques, nous sommes là pour vous aider. N’hésitez pas à communiquer avec nous si nécessaire.

Merci,

L’équipe Xpertdoc