We develop ultra-personalised solutions for brands, companies, and broker networks in Life and Non-Life Insurance through our two entities: Oney Life (PCC) Limited and Oney Insurance (PCC) Limited. You benefit from having a unique point of contact who creates solutions tailored to your needs.

Accident & Sickness insurance

Accident and Sickness Insurance 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.

Purchase power protection

The challenge ahead

Offer a solution that benefits a large customer sample.

  • The partner

    Oney Bank (France)

  • The conception

    1 and a half year

  • The diffusion

    This product is sold by two merchants within Mobivia Group (Norauto and Altermove), and also by Boulanger.

  • The proposed solution

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

  • The realization

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

The good 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

The challenge ahead

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

  • The partner

    CBP Solution Poland

  • The conception

    Less than one year (a record!).

  • The diffusion

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

  • The 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.

  • The realization

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

The good memories ;)

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

Affinity

An affinity insurance comprises any insurance or accidental 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 portfolio is based on a great variety of B2B products.

After rocking the market with this type of insurance product thanks to our collaboration with the partners, we were already thing of the next product to develop!

Mobility insurance

The challenge ahead

Design a product to keep eco-friendly cycles on the road



  • The partner

    Oney Bank (France), SAM and ATM

  • The diffusion

    The product is sold by two merchants within Mobivia Group (Norauto and Altermove)

  • The proposed solution

    An affinity insurance product covering bikes, e-bikes and the insured in case of material damage to or theft of vehicle. This includes assistance cover to take the cyclist home after collision or theft

  • The realization

    We were able to consolidate our positioning in the eco insurance market and to rapidly produce tailormade solutions to meet the needs of the retailer

The good memories ;)

0
accident during bike and e-bike tests
3
months only for a totally new product development

Moovway

The challenge ahead

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

  • The partner

    SAM (France)

  • The conception

    Less than 4 months

  • The proposed solution

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

The good memories ;)

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

Mobile phone breakage

The challenge ahead

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

  • The partner

    Various

  • The 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.

  • The realization

    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.

The good memories ;)

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

Wholesaler programmes

The challenge ahead

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

  • The partner

    Various

  • The conception

    Less than 2 weeks. Unbeatable!

  • The proposed solution

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

  • The realization

    Ample programmes sold at wholesalers

The good 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.

Payment protection insurance

The challenge ahead

Put the insured at the heart of our product to define an insurance policy that truly covers him/her in case of unexpected events (up to 80 years)

  • The partner

    Oney Bank (France) with Oney Bank (France & Portugal)

  • The conception

    Our products protect the insured and their family throughout the use of their credit and limits the financial consequences of life's hazards, all without having to complete a health questionnaire at enrolment

  • The diffusion

    The policies are sold by Oney Bank in France, by Internet, at partner stores and via telemarketing

  • The proposed solution

    To develop guarantees for revolving and amortizable loans in the event of death, total permanent disability, involuntary unemployment or temporary disability. The declaration can be done by CBP4YOU

The good memories ;)

15
joint workshops
18
improvements of terms and conditions of our PPI programme to design a trustable insurance product with first class service
1
Our 1st insurance product

Loan insurance

The challenge ahead

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

  • The partner

    Oney Servicios Financieros (Spain)

  • The proposed solution

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

  • The realization

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

The good memories ;)

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

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.

Motor damage insurance

The challenge ahead

Work with a leading Italian broker on a material damage insurance for cars, a field that was unknown for us

  • The partner

    Passway

  • The proposed solution

    Insurance coverages in case of accident and direct material damages, collision, fire, lightning, explosion, theft, financial loss, death or hospitalisation and rehabilitation treatment

  • The realization

    A new insurance, a new country, a new industry, a licence extension, that pushes us even more to work on new markets.

The good memories ;)

5
nationalities working on this project
1st
insurance in Italy for Oney Insurance
2
dogs present during the first meetings

Excess Buyback

The challenge ahead

Join forces with the leading French wholesale broker to quickly develop a small cover very useful for motorcyclists and motorists.



  • The partner

    Finaxy

  • The proposed solution

    An insurance that reimburses the financial loss corresponding to the Damage Excess owed by the insured after an at-fault accident.

  • The realization

    A new programme sold on a wholesale basis and developed with enthusiasm around a new and exciting universe for Oney Insurance

The good memories ;)

42
calls and work meetings between Malta and Paris
1st
IPID for Oney Insurance
3
former colleagues brought together by the project

Pet insurance

The challenge ahead

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

  • The partner

    Various

  • The proposed solution

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

  • The realization

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

The good 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