{"id":24789,"date":"2013-11-22T11:37:00","date_gmt":"2013-11-22T11:37:00","guid":{"rendered":"http:\/\/marketingisdead.blogspirit.com\/archive\/2013\/11\/20\/les-assureurs-face-a-la-consommation-collaborative-2985150.html"},"modified":"2013-11-22T11:37:00","modified_gmt":"2013-11-22T11:37:00","slug":"les-assureurs-face-a-la-consommation-collaborative-3","status":"publish","type":"post","link":"http:\/\/consumerinsight.eu\/marketingisdead\/les-assureurs-face-a-la-consommation-collaborative-3\/","title":{"rendered":"Les assureurs face \u00e0 la consommation collaborative."},"content":{"rendered":"

\"Macif.jpg\"Le 5 Novembre dernier, le LAB organisait une matin\u00e9e sur le th\u00e8me : Le d\u00e9veloppement de la consommation collaborative, quels impacts sur l’Assurance et Services Financiers ?<\/em><\/span><\/p>\n

Cette r\u00e9union s\u2019est achev\u00e9e par une table ronde r\u00e9unissant quelques professionnels de l\u2019assurance et de la consommation collaborative, qui reformulent ici leurs r\u00e9ponses.<\/span><\/p>\n

Aujourd\u2019hui, entretien avec Franck Dechaine, Responsable de March\u00e9 \u00e0 la Macif.<\/span><\/p>\n

MarketingIsDead :<\/strong> Vous soutenez d\u00e9j\u00e0  quelques projets dans l\u2019\u00e9conomie collaborative, notamment avec jelouemoncampingcar.com<\/a> \u2026<\/em><\/span><\/p>\n

Franck Dechaine :<\/strong> Pour nous \u00e0 la Macif, participer c\u2019est un moyen de mieux comprendre ces nouveaux modes de d\u00e9placements de mieux \u00e9valuer le comportement des utilisateurs et enfin de mieux appr\u00e9hender les mod\u00e8les \u00e9conomiques associ\u00e9s.<\/span><\/p>\n

MarketingIsDead :<\/strong> Pourtant, d\u2019une mani\u00e8re g\u00e9n\u00e9rale, le monde de l\u2019assurance semble rester en retrait face \u00e0 ces nouveaux business models \u2026<\/em><\/span><\/p>\n

Franck Dechaine :<\/strong> Cette relative frilosit\u00e9 des assureurs s’explique notamment par une difficult\u00e9 d\u2019appr\u00e9hender le risque qu’ils assimilent souvent \u00e0 de la location courte dur\u00e9e ou de la multipropri\u00e9t\u00e9, risques pour lesquels les r\u00e9sultats connus ne sont pas bons. Par ailleurs en terme actuariel, il n’y pas vraiment de r\u00e9f\u00e9rence. La nature des relations entre les individus au sein d’un mod\u00e8le de consommation collaborative est diff\u00e9rente d’une consommation exclusivement marchande traditionnelle. Le partage de responsabilit\u00e9 est neuf et encore difficile \u00e0 appr\u00e9hender. D’autant que la d\u00e9finition d’un cadre juridique clair de ces activit\u00e9s arrive souvent post\u00e9rieurement \u2026<\/span><\/p>\n

Enfin force est de constater que les assureurs restent sollicit\u00e9s au dernier moment ce qui renforce une certaine prudence et les renoncements.<\/span><\/p>\n

Dans ce contexte nous ne pouvons qu’inviter les porteurs de projet \u00e0 associer tr\u00e8s t\u00f4t les assureurs dans leur d\u00e9marches afin que ces derniers puissent appr\u00e9hender au mieux le risque \u00e0 assurer, et dans certains cas soutenir financi\u00e8rement les porteurs de projets.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Le 5 Novembre dernier, le LAB organisait une matin\u00e9e sur le th\u00e8me : Le d\u00e9veloppement de la consommation collaborative, quels impacts sur l’Assurance et Services Financiers ? Cette r\u00e9union s\u2019est achev\u00e9e par une table ronde r\u00e9unissant quelques professionnels de l\u2019assurance et de la consommation collaborative,…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[150],"tags":[],"yoast_head":"\nLes assureurs face \u00e0 la consommation collaborative. - Marketing is Dead<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/consumerinsight.eu\/marketingisdead\/les-assureurs-face-a-la-consommation-collaborative-3\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les assureurs face \u00e0 la consommation collaborative. - Marketing is Dead\" \/>\n<meta property=\"og:description\" content=\"Le 5 Novembre dernier, le LAB organisait une matin\u00e9e sur le th\u00e8me : Le d\u00e9veloppement de la consommation collaborative, quels impacts sur l’Assurance et Services Financiers ? 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