Oney - Insurance The Business lines and products of Oney Insurance
We develop ultra personalized solutions for brands, companies and broker networks in Life and Non-Life Insurance through our two entities: Oney Life Limited (PCC) and Oney Insurance Limited (PCC). You benefit from having a unique point of contact who creates solutions tailored to your needs.
Combined with our commercial mindset, our expertise in Provident, PPI, Affinity and Specialty insurance enables us to respond to our partner’s B2B2C requests.

Affinity

An affinity insurance comprises any insurance, assistance or incidental services guarantee related to a product or service distributed by a non-insurer distributor and which is not the customer’s main reason for purchase.

In the field of affinity insurance insurance portfolio is based on a great variety of B2B products.

We mainly work with e-commerce vendors. Our objective is to develop complementary and distinctive services, for and with vendors. To achieve this, we do not chain ourselves to conventional products but rather aim for guarantees and innovative projects.

Moovway

Challenge

Get off the beaten track and keep up with new tendencies.



  • Partner

    SAM (France)

  • Design

    Less than 4 months

  • Proposed solution

    An insurance for hoverboards, electric bikes or electric scooters in case of accidental material damage and theft.

Fond memories ;)

0
injury to report as we, unfortunately, did not get to test the equipment 😊
A few misunderstandings on who “Sam” is: Samantha? Samuel?

Electro Dépôt mobile phone breakage

Challenge

Offer a guarantee in exchange for a phone breakage warranty, better suited to families.



  • Partner

    Electro Dépôt / Oney Bank (France)

  • Proposed solution

    An insurance for family mobile phones that covers in case of an accident (material damage and oxidation). To respond to a new reality of usage and disasters, this simple product covers all your phones.

  • Realisation

    After rocking the market with this brand, thanks to our Peace-of-Mind Warranty (household warranty extension), we co-created this offer in the same vein.

Fond memories ;)

5
nationalities have worked together on this project
20%
below market price
20%
more pressure to find a solution

Wholesaler programme Garantie Privée

Challenge

Find an insurer who is flexible enough to launch 7 products in six weeks with a completely new distribution method.



  • Partner

    Garantie Privée (France)

  • Design

    Less than 2 weeks. Unbeatable!

  • Proposed solution

    A range of non-life insurance offers and extended warranty programs, sold as a fleet of products, household products and single products.

  • Realisation

    Our first program sold as a wholesaler. We will keep you informed about the (good) results…

Fond memories ;)

3
Excel files to manage the programmes' features
1396
potential brokers to sell the offers
2
sleepless nights to finish on time

Payment Protection Insurance

The PPI – usually referred to as the Payment Protection Insurance – allows a client to help secure a loan and to be covered in the event of death, disability and/or loss of employment.

The PPI accounts for more than half of our sales. Over the past decade we have assisted our affiliates on PPI and we have explored different markets in various countries. We love challenges and studying our customers and partners’ needs and wants in every country motivates us. Especially as in the highly competitive market, there is a need for constant innovation.

Seguro de Préstamos

Challenge

Rethink the insurance products of a brand offering credit, in order to offer a better product and more transparency.



  • Partner

    Oney Servicios Financieros (Spain)

  • Proposed solution

    A Payment Protection Insurance co-created with local teams, that is innovative and fully complies with the country's business practices.

  • Realisation

    We have whet our appetite for subscriptions to help a partner and to offer a fair-trade product.

Fond memories ;)

10
versions of the CPI registration form
10
translators (ES>EN//EN>FR//ES>FR)
Team meetings with delicious dinners

Provident insurance

Provident insurances are composed of insurance contracts that help protect oneself against life’s little surprises and help protect our loved ones in the event of premature death, work stoppage, or for example disability following an illness or accident.

Thanks to our experience, the CRM expertise of Oney, and the different products that we have designed, we create made-to-measure programmes which our partners can provide to their customers and thus best meet their needs
Although the market for life insurance has evolved very little during recent years, it provides ample opportunities for innovation, in our mind.

Protection Pouvoir d'Achat

Challenge

Offer a solution that benefits a large customer sample.



  • Partner

    Oney Bank (France)

  • Design

    1 and a half year

  • Distribution

    Solution offered to Oney Bank clients.

  • Proposed solution

    A provident insurance that supports clients in case of job loss or disability with a monthly lump sum to help them pay their bills.

  • Realisation

    After 3 years of synergy, we are currently preparing a new flagship product.

Fond memories ;)

11
production specification versions for vendors
13
Business plan versions
7
meeting spaces (Lille, Paris, Bordeaux, Le Havre and abroad: Malta, Morocco, Tunisia)

Safe Perspective

Challenge

Help a broker develop an innovative idea for a country in which it is not very established.



  • Partner

    CBP Solution Poland

  • Design

    Less than one year (a record!).

  • Distribution

    Product sold on a digital solution, accessible to the broker's commercial network during meetings with clients.

  • Proposed solution

    A highly customisable insurance. The client sets the level of insurance by choosing a price or the desired coverage. The client determines the people and risks s/he wishes to cover and s/he can increase the amount of compensation, on a case-by-case basis.

  • Realisation

    We were able to show our positioning, including our ability to rapidly produce sophisticated solutions.

Fond memories ;)

30
meetings
52
round trips for the lawyer
+800
retailers perform the distribution

Specialties

Specialties products cover risks for which there is a lack of statistics or which require specific studies.

To that end, we surrounded ourselves with specialists who provide us with a detailed knowledge of their market and risks. This strategy is in line with our desire to monitor societal evolutions, with our vision of selective partnerships and with our long-term vision.

Pet insurance

Challenge

Design an offer beneficial to a team of professionals' members and/or clients.



  • Partner

    Bulle Bleue (France)

  • Proposed solution

    A pet insurance for cats and dogs adapted to the needs expressed by veterinary clinics and pet owners.

  • Realisation

    This exciting project has made us eager to do more for our furry friends, which is our current project.

Fond memories ;)

298
cat and dog races studied
75
images of animals contemplated while reading compliance reports
3
Pet Days organised at the office since the product launch

Horizon GLI

Challenge

Allow an expert broker to join forces with a daring risk carrier in order to further develop its market.



  • Partner

    Insured (France)

  • Proposed solution

    Unpaid rent and vacancy level product that benefits landlords/owners in case of default by the tenant or damage cause by the latter.

  • Realisation

    Coworking with an expert broker who brought us technical expertise and detailed knowledge of industry's needs, while developing friendship and loyalty.

Fond memories ;)

6
regional accents coexisted during meetings
100%
days of sunshine during meetings in Toulouse and Malta
33
real estate jargon terms decrypted during confirmations