![\"\"](\"https:\/\/i0.wp.com\/consumerinsight.eu\/marketingisdead\/wp-content\/uploads\/sites\/2\/2017\/03\/Accident.jpg?resize=300%2C200\")
<\/a>Petit coup de griffe \u00e0 la mutualisation des risques, le syst\u00e8me bonus \/ malus qui p\u00e9nalise les uns et favorise les autres\u00a0; autres accrocs, les surprimes pour les conducteurs novices, les diff\u00e9rences g\u00e9ographiques, etc.<\/p>\nDepuis d\u00e9j\u00e0 bien longtemps, les compagnies se sont plus ou moins affranchies de la mutualisation, tapant sur les uns pour mieux s\u00e9duire les autres\u00a0: il est tenant de faire payer moins cher ceux qui ne pr\u00e9sentent pas de comportements dangereux, quitte \u00e0 charger le bourricot pour les autres \u2026 dont personne ne veut d\u2019ailleurs\u00a0!<\/p>\n
M\u00eame la poisse p\u00e9nalise les conducteurs malchanceux\u00a0: trois accidents non responsables \u2013 pas de votre faute, vous vous trouviez au mauvais endroit au mauvais moment \u2013 et hop\u00a0! On vous vire, allez voir ailleurs si c\u2019est moins cher.<\/p>\n
Avec les voitures connect\u00e9es, les assureurs vont pouvoir affiner leurs syst\u00e8mes de tarification\u00a0: un gars qui prend ses virages un peu sec, on le saura tout de suite\u00a0!<\/p>\n
Dans un premier, on l\u2019\u00e9duquera\u00a0: les assureurs sont vertueux\u00a0!<\/p>\n
Mais s\u2019il continue dans ses mani\u00e8res accidentog\u00e8nes\u00a0? Il sera tentant de lui augmenter sa prime, ou de le virer, c\u2019est selon.<\/p>\n
D\u2019ici quelques ann\u00e9es, plus aucune voiture ne sera \u00ab\u00a0non connect\u00e9e\u00a0\u00bb\u00a0: vous aurez le choix entre accepter le flicage en temps r\u00e9el, ou une surprime de suspicion \u2013 bien habill\u00e9, cela donnera un contrat de base \u00e9lev\u00e9, et des r\u00e9ductions pour ceux qui acceptent de se laisser surveiller.<\/p>\n
Et ensuite\u00a0?<\/p>\n
Pour chaque conducteur, son assurance conna\u00eetra son risque de sinistre li\u00e9 \u00e0 sa conduite \u2026 donc chacun d\u2019entre nous aura droit \u00e0 une assurance aux petits oignons \u2013 comprenez\u00a0: calcul\u00e9e au centime pr\u00e8s, selon ce qu\u2019il peut co\u00fbter.<\/p>\n
A la limite, les primes pourraient ais\u00e9ment se situer sur des \u00e9chelles de 1 \u00e0 100, voire plus\u00a0: et tant pis pour les mauvais conducteurs\u00a0! Nul doute que le nombre de citoyens d\u00e9favoris\u00e9s qui renonceront carr\u00e9ment \u00e0 assurer leur v\u00e9hicule va exploser.<\/p>\n
L\u2019assurance connect\u00e9e, c\u2019est la fin de la mutualisation des risques \u2026 jusqu\u2019au jour o\u00f9 des conducteurs lass\u00e9s, recr\u00e9eront de vraies mutuelles solidaires.<\/p>\n","protected":false},"excerpt":{"rendered":"
La mutualisation des risques se situe \u00e0 la base de toutes assurances, mutuelles ou priv\u00e9es, peu importe\u00a0: ainsi d\u00e8s 1815, les Veuves \u00e9cossaises, c\u00e9l\u00e8bre mutuelle d\u2019Edimbourg, avait pour vocation d\u2019assurer solidairement la subsistance des femmes ayant perdu pr\u00e9matur\u00e9ment leur \u00e9poux. Aujourd\u2019hui on conna\u00eet \u00e0 peu…<\/p>\n","protected":false},"author":2,"featured_media":25373,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"spay_email":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[210],"tags":[260],"yoast_head":"\n
La fin de l\u2019assurance - 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\/fin-de-lassurance\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La fin de l\u2019assurance - Marketing is Dead\" \/>\n<meta property=\"og:description\" content=\"La mutualisation des risques se situe \u00e0 la base de toutes assurances, mutuelles ou priv\u00e9es, peu importe\u00a0: ainsi d\u00e8s 1815, les Veuves \u00e9cossaises, c\u00e9l\u00e8bre mutuelle d\u2019Edimbourg, avait pour vocation d\u2019assurer solidairement la subsistance des femmes ayant perdu pr\u00e9matur\u00e9ment leur \u00e9poux. 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Avec l\u2019arriv\u00e9e des objets connect\u00e9s, ils tentent de remettre en cause les fondements m\u00eames de leur m\u00e9tier\u00a0: la mutualisation des risques, avec pour objectif final de faire payer\u2026","rel":"","context":"Dans "Coups de gueule"","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/consumerinsight.eu\/marketingisdead\/wp-content\/uploads\/sites\/2\/2016\/12\/08-Nikko-06-Taiyuin-byo-17.jpg?fit=298%2C448&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":26117,"url":"http:\/\/consumerinsight.eu\/marketingisdead\/apres-le-grand-debat-reste-la-data\/","url_meta":{"origin":25372,"position":1},"title":"Apr\u00e8s le Grand D\u00e9bat, reste la data","date":"5 f\u00e9vrier 2020","format":"gallery","excerpt":"L\u2019analyse des donn\u00e9es non structur\u00e9es \u00e9tait au c\u0153ur des d\u00e9bats de la Journ\u00e9e des Etudes de l\u2019Adetem\u00a0: rencontre avec un des intervenants, Christian Langevin. MarketingIsDead\u00a0: Christian Langevin, tu diriges QWAM , une soci\u00e9t\u00e9 sp\u00e9cialis\u00e9e, notamment, dans l\u2019analyse des donn\u00e9es non structur\u00e9es en grand nombre\u00a0: c\u2019est m\u00eame ce savoir-faire qui t\u2019a\u2026","rel":"","context":"Dans "Interviews"","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/consumerinsight.eu\/marketingisdead\/wp-content\/uploads\/sites\/2\/2020\/01\/Christian-Langevin-portait.jpg?fit=495%2C480&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":24932,"url":"http:\/\/consumerinsight.eu\/marketingisdead\/a-midi-vous-etes-mort\/","url_meta":{"origin":25372,"position":2},"title":"A midi, vous \u00eates mort","date":"29 janvier 2016","format":"gallery","excerpt":"Difficile au dernier CES de Las Vegas de ne pas chopper plein de puces\u00a0: l\u2019Internet des Objets \u2013 prononcez \u00ab\u00a0A\u00ef O Ti\u00a0\u00bb\u00a0; en France, on parle plut\u00f4t d\u2019objets connect\u00e9s \u2013 \u00e9tait partout. La d\u00e9nomination Internet des Objets me semble plus parlante\u00a0: le r\u00e9seau actuel permet aux humains d\u2019\u00e9changer entre eux,\u2026","rel":"","context":"Dans "Un peu de bon sens"","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/consumerinsight.eu\/marketingisdead\/wp-content\/uploads\/sites\/2\/2016\/01\/iot-1.jpg?fit=500%2C378&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":25641,"url":"http:\/\/consumerinsight.eu\/marketingisdead\/mensonges\/","url_meta":{"origin":25372,"position":3},"title":"Mensonges","date":"12 janvier 2018","format":"gallery","excerpt":"Avec mes copains des Mardis du Luxembourg, on a d\u00e9cid\u00e9 de se pencher sur les fake news, l\u2019autorit\u00e9 face aux fake news, l\u2019autorit\u00e9 qui profite des fake news, etc. Un sujet un peu vaste que chacun prend par un bout, triture \u00e0 sa fa\u00e7on, confronte aux autres membres du groupe\u2026","rel":"","context":"Dans "Mardis du Luxembourg"","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/consumerinsight.eu\/marketingisdead\/wp-content\/uploads\/sites\/2\/2018\/01\/photo-du-pere-fouettard-720x340.jpg?fit=479%2C340&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":26603,"url":"http:\/\/consumerinsight.eu\/marketingisdead\/marketing-entre-deni-et-refoulement\/","url_meta":{"origin":25372,"position":4},"title":"Marketing, entre d\u00e9ni et refoulement","date":"3 octobre 2022","format":"gallery","excerpt":"Dans son dernier ouvrage, Le D\u00e9ni ou la fabrique de l\u2019aveuglement, Serge Tisseron explique comment nier ce qui peut para\u00eetre une \u00e9vidence \u2013 le changement climatique, en l\u2019occurrence \u2013 constitue pour bon nombre d\u2019entre nous une mani\u00e8re protectrice d\u2019affronter \u2013 ou plut\u00f4t de ne pas affronter \u2013 une r\u00e9alit\u00e9 traumatisante.\u2026","rel":"","context":"Dans "C\u2019est d\u00e9j\u00e0 demain"","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/consumerinsight.eu\/marketingisdead\/wp-content\/uploads\/sites\/2\/2022\/10\/no-1532839_1920.jpg?fit=1200%2C800&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":24766,"url":"http:\/\/consumerinsight.eu\/marketingisdead\/on-ne-se-mefie-jamais-assez\/","url_meta":{"origin":25372,"position":5},"title":"On ne se m\u00e9fie jamais assez !","date":"13 mai 2011","format":false,"excerpt":"La r\u00e9cente \u00ab\u00a0affaire\u00a0\u00bb du sondage Harris pla\u00e7ant Marine Le Pen en t\u00eate au 1er tour de la pr\u00e9sidentielle \u2013 voir mon papier ici \u2013 l\u2019a prouv\u00e9, quand les journalistes abordent un sujet qu\u2019ils ne ma\u00eetrisent pas, les risques d\u2019erreur deviennent gigantesques\u00a0!R\u00e9cemment interview\u00e9 par un r\u00e9dacteur de Veille Mag (un titre\u2026","rel":"","context":"Dans "Etudes Marketing"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"http:\/\/consumerinsight.eu\/marketingisdead\/wp-json\/wp\/v2\/posts\/25372"}],"collection":[{"href":"http:\/\/consumerinsight.eu\/marketingisdead\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/consumerinsight.eu\/marketingisdead\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/consumerinsight.eu\/marketingisdead\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/consumerinsight.eu\/marketingisdead\/wp-json\/wp\/v2\/comments?post=25372"}],"version-history":[{"count":1,"href":"http:\/\/consumerinsight.eu\/marketingisdead\/wp-json\/wp\/v2\/posts\/25372\/revisions"}],"predecessor-version":[{"id":25374,"href":"http:\/\/consumerinsight.eu\/marketingisdead\/wp-json\/wp\/v2\/posts\/25372\/revisions\/25374"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/consumerinsight.eu\/marketingisdead\/wp-json\/wp\/v2\/media\/25373"}],"wp:attachment":[{"href":"http:\/\/consumerinsight.eu\/marketingisdead\/wp-json\/wp\/v2\/media?parent=25372"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/consumerinsight.eu\/marketingisdead\/wp-json\/wp\/v2\/categories?post=25372"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/consumerinsight.eu\/marketingisdead\/wp-json\/wp\/v2\/tags?post=25372"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![\"\"](\"https:\/\/i0.wp.com\/consumerinsight.eu\/marketingisdead\/wp-content\/uploads\/sites\/2\/2017\/03\/Accident.jpg\")
<\/a>Petit coup de griffe \u00e0 la mutualisation des risques, le syst\u00e8me bonus \/ malus qui p\u00e9nalise les uns et favorise les autres\u00a0; autres accrocs, les surprimes pour les conducteurs novices, les diff\u00e9rences g\u00e9ographiques, etc.<\/p>\n