Everyone can use Friendsurance’s product so Friendsurance does not need a target group.
Friendsurance has different target groups based on “personas”, the personas I will find on posters in the office.
Friendsurance’s target group is young people and people who dislike brokers.
Questão 2
Questão
What is a “persona”?
Responda
A persona is a person
A persona is a type of customer we think is cool
A persona is a fictional character that represents a group of customers
Questão 3
Questão
What is the German name of Friendsurance’s innovation?
Responda
Rückzahlungs-Upgrade
Schadensfrei-Bonus (Claim-free Bonus)
Gruppen-Prinzip
Questão 4
Questão
Where does the „Schadensfrei-Bonus“ come from?
Responda
From heaven
From not using your insurance policy at all
From the difference between the insurance premium with and without the deductible
Questão 5
Questão
How does the Claim-free Bonus work?
Responda
Insurance policy owners with the same insurance type form small groups. A part of their premiums is paid into a cashback pool. If no claims are submitted, the members of the group get some of their money back at the end of the year. In case of claims, the cashback decreases for everyone in the group.
Insurance policy owners with the same insurance type form small groups. A part of their last Claim-free Bonus is paid into a cashback pool. If no claims are submitted, the members of the group get some of their money back at the end of the year. In case of claims, the cashback decreases for everyone. Small claims are settled with the money in the pool.
Insurance policy owners with all sorts of insurance types form small groups. A part of their premiums is paid into a cashback pool. If no claims are submitted, the members of the group get some of their money back at the end of the year. In case of claims, Friendsurance gets the cashback pool.
Questão 6
Questão
What happens if everyone in a network has damages and the group has higher cost than their deductibles carry?
Responda
The insurance holders have to cover these costs
Friendsurance has to cover these costs
A so-called stop-loss insurance covers these situations.
Questão 7
Questão
How are the groups established?
Responda
Other people choose you
We generate one for you when you sign up and you can afterwards adjust this as you want to
You establish it yourself as customer
We automatically connect you with other members as soon as the Claims-free bonus is active for your contract. You can change your group members afterwards if you want to.
Questão 8
Questão
What kind of insurances do we handle at Friendsurance?
Responda
Accident (Unfall)
Car (Kfz)
Health (Kranken-)
Household (Hausrat)
Liability (Haftpflicht)
Phone
Occupational disability (Berufsunfähigkeit)
Pet (Haustier)
Legal costs (Rechtsschutz)
Tablet
Questão 9
Questão
For which insurance types is the Schadensfrei-Bonus already available for?
Responda
Household, electronic, legal and liability
All insurance categories
Household and car insurance
Household, electronic, legal, car and liability
Questão 10
Questão
What is the worst case scenario for an insurance holder who uses Friendsurance?
Responda
His contract is cancelled by us because he has too many claims
He has extra costs
He does not get a cash back and his costs are the same as they would have been without Friendsurance
Questão 11
Questão
Can a customer change the members of their group?
Responda
Yes, but only once a year
Yes, as often as they want and when they want. The changes are effective on the first day of the month.
Yes, but maximum 4 times a year
Questão 12
Questão
What happens if someone in my insurance network cancels the connection with me?
Responda
The whole group falls apart
My cash back is reduced and I cannot change that
My cash back is reduced unless I connect with someone else. Friendsurance will help me find someone to connect with, or even auto-connect me, if I activated “auto-connect” in my account.
Questão 13
Questão
When talking about insurances - what is meant by „deductible" in your policy?
Responda
The insurance tax you have to pay
The max. amount you have to pay in case of a claim.
The premium you have to pay each year for your insurance policy
Questão 14
Questão
What does the Deductible Principle have to do with the Claim-Free bonus?
Responda
To get a Claim-Free bonus, you sign an additional deductible agreement with Friendsurance
There is not correlation between a deductible and the Claim-Free Bonus
To enable that insurance holders can get a cash back if they are claim free, Friendsurance has to do a change in the insurance contract to a contract with a deductible (Selbstbeteiligung). This alternation means that the yearly insurance fee goes down. The difference between the old fee and the new fee goes into the groups shared pot.
Questão 15
Questão
Why can customers also enter insurance types like “pet insurance”?
Responda
Because we like to get all the personal data from the customer that we can get
So that they can get a cashback also for these types
This allows customers to get an overview which insurances they have and allows us to help the customer to get the insurances they really need.
Questão 16
Questão
What is Mr. Money and what do we use it for?
Responda
Mr. Money is a insurance comparison calculator and integrated in our website (new customers)
Mr. Money is another tool used by Friendsurance to handle end-customers
Mr. Money is a direct competition to Friendsurance
Questão 17
Questão
If I find a bug, I...
Responda
directly ask a programmer to fix the problem
don’t do anything because bugs will not be fixed anyway
send an E-Mail to QA (bugs@friendsurance.de) and describe when the problem occurs and in which way and with which browser/devices it can be reproduced.
Questão 18
Questão
If I have an idea how to improve Friendsurance, I...
Responda
don’t do anything because the software cannot be changed.
directly ask a programmer to change the software.
ask my team lead and/or Product Management to help understanding the problem and find out its priority.
Questão 19
Questão
How many times a year is the cash-back being paid out?
Responda
Once a year in January
Once a year in the summer
Every 6. Month
Every month
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