The web is confirmed as a strategic channel for purchasing insurance policies. Discover the most requested online insurance policies and the advantages of an increasingly digital offering.
The web continues to establish itself as an increasingly strategic channel for purchasing insurance policies. The confirmation comes from the latest data released by the Politecnico di Milano Observatory, according to which online insurance purchases in 2024 have increased by 5% compared to the previous year.
Users are attracted by an offer that includes both the damage branch and the life branch, capable of providing complete protection from all kinds of risks. Let’s look in detail at the most requested policies online and why their popularity continues to grow year after year.
Online insurance: why are they increasingly requested
The success of online insurance is determined by a series of factors, including the competitiveness of premiums. A digital company, in fact, can generally offer more affordable rates, as it does not have to bear expenses related to managing physical branches.
Moreover, nowadays it is possible to compare online insurance and save on portals like Facile.it, which allow you to evaluate a series of fully customized quotes for free, so as to quickly identify the proposals that best suit your needs.
In addition to cost optimization, convenience is also one of the factors that is contributing to the constant increase in demand for online policies. Digital companies, in fact, allow you to manage numerous aspects of insurance in total autonomy, from purchase to renewal, including the reporting of claims.
Car and motorcycle RC: the most popular policies online
In first place among the most subscribed policies online is car insurance, a product that, being mandatory, continues to have high centrality in users’ insurance choices. This is confirmed by IIA – Italian Insurtech Association, which, in the survey The Digital Consumer, reveals that 77% of respondents, in the last year, have subscribed to at least one motor insurance policy.
Strengthened by an innovative proposal, but above all accessible to everyone, the network today asserts itself as the preferred channel both for purchasing classic car third-party liability and motorcycle insurance, a success due to an offer that is very similar to that available locally, but made more accessible thanks to streamlined operational processes. The result is simpler subscription, coupled with complete product customization, as well as more efficient management, to be carried out with complete autonomy.
Finally, just as with classic car and motorcycle third-party liability, it is possible to integrate the mandatory package online with a series of additional guarantees, such as theft and fire insurance or weather and natural events, crystal insurance, kasko insurance, legal protection, and driver accident insurance.
Demand is also growing for home insurance
Home insurance is currently among the most purchased policies through digital channels. Here too, the trend is supported by an extremely streamlined offer, which allows access to the best proposals through a process that, upon entering simple data – the property value, building type, square meterage, and municipality – guarantees the formulation of a personalized quote.
It is thus possible to purchase, in a very short time, the best home insurance on the market and protect yourself from all unpredictable events that occur in the home. Home insurance is indeed a guarantee of safety against damage to the dwelling, damage to contents, and third-party damage, and can guarantee, in addition to free legal protection in case of disputes, a series of additional coverages for 360-degree protection.
Positive online trend for life insurance
Among the most purchased policies online are also life insurances, which guarantee compensation to one or more beneficiaries in the event of a serious incident. The circumstances that entitle the disbursement of sums include the invalidity or premature death of the policyholder, but life insurance policies are generally so versatile as to cover a wide range of events.
In this case too, the internet allows you to subscribe to both a standard life insurance policy online – to which you can optionally add a series of additional insurances – and a so-called mixed life insurance policy, which, upon expiry, guarantees an annuity or a certain liquidity, regardless of the subscriber’s death. Online, you can finally benefit from the best companies in the sector, which guarantee dedicated assistance, secure payments, and a reliable and always transparent service.
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