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BW Businessworld

Choose ‘Zero-Touch’ Motor Insurance To Ensure Your Safety

Having a paperless insurance process means that there are no hard copies required, especially now when people fear all surfaces.

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The COVID-19 pandemic outbreak has led to the longest-ever lockdown that any country has seen. More and more people are working from home, stepping outside the house only when it is required and maintaining social distancing has become the way of living. In other words, ‘zero touch’ has become a practice, and it has led to an understanding that digital is the safest channel for everything.

Companies are also changing all the processes to ensure that their services require limited contact and are providing tech-enabled solutions. Contactless has become the new normal. New-age insurers have also adapted to the consumer behaviour shift and have started offering digital, contactless insurance solutions.

Now is the time when people think of getting a private vehicle to avoid group travel, considering safety, they are in more need of an insurance. Some people still prefer the conventional form of insurance, which is unsafe as it needs physical documents and proofs and physical inspections. Hence, getting motor insurance at the convenience of your home is what one looks for.

Considering the current setting, ‘zero-touch’ is the safest option and the following features make technology-enabled insurance solutions safe:

Insurance at your convenience

Everything is fast-moving these days, and essential services are available at the tip of your fingers. With the advent of technology, more and more insurers are going digital. Customers buy insurance with their smartphones in just 3 or 4 steps.

Paperless insurance

Having a paperless insurance process means that there are no hard copies required, especially now when people fear all surfaces. For instance, some new-age insurers do not ask for any hard copies and photos during onboarding as their processes are entirely technology and AI-enabled. Soft copies are enough, and it makes the process faster and more convenient for the customer. In a way, it also contributes to a greener environment, which is a major issue these days as it reduces the use of paperwork.

DIY inspection process

Staying at home has made a lot of things difficult for people. In cases where we need to buy a policy or make a claim, it becomes difficult if we need a manual inspection to check any damage to our vehicle. To address this pain point, new-age Insurtech companies have come up with DIY self-inspection solutions, where one can inspect their car on their own with the help of their smartphones. All they need to do is take photos or videos (as per the insurer) of their vehicle through a guided manual.

Doorstep service and cashless service

If your vehicle is idle at home and you find some gas leakage, what will you do? It is difficult to go out and get the checking and repair done as you will have to leave the vehicle in the garage and look for a safe alternate commute to get back home. Cashless repair with pick-up and-drop service comes handy at this time. Thus, the customers don't have to leave their houses or worry about the documents, especially during a crisis.

Insurers are now creating awareness among customers to opt for complete contactless service. The process will be faster and safer for both customers and insurance providers. With the help of tech- enabled insurance, people can buy insurance without any fear of having to come in contact with others in the process of buying or claiming insurance. Stay safe with ‘zero-touch’ solutions.

Disclaimer: The views expressed in the article above are those of the authors' and do not necessarily represent or reflect the views of this publishing house. Unless otherwise noted, the author is writing in his/her personal capacity. They are not intended and should not be thought to represent official ideas, attitudes, or policies of any agency or institution.


Vivek Chaturvedi

The author is Head of Marketing, Digit Insurance

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