Revealing the winning factors for the most preferred Australian travel insurance providers

Flight cancelled

As we head into the final months of the year, many of us are beginning to daydream about our next holiday. It is at this time every year that Global Reviews runs a Digital Marketing Effectiveness study to understand how Australian consumers, who are planning their upcoming holidays, are researching and selecting travel insurance.

With 39% of future travellers surveyed in 2013 not able to recall any travel insurance providers, the process of picking a provider is going to be heavily reliant on conducting research and establishing a ‘shortlist’ of companies to pick from.

As part of our research we asked consumers to use the internet to find travel insurance providers who would best suit their needs. After initial research, the following providers were the most commonly listed within consumers’ shortlists:

  • Allianz – 39%
  • Australia Post – 33%
  • NRMA – 23%
  • AAMI – 22%
  • 1 Cover – 21%
  • Medibank Private – 19%
  • Travel Insurance Direct – 18%
  • Virgin Money – 15%
  • Insure & Go – 14%

Familiarity with the brand’s name and appearing within search engine results were the two main reasons why brands were shortlisted. But what were the key winning points for each of these highly shortlisted brands?

Travel Insurance shortlisting2

The above graph highlights the main selling points that each brand is generally considered for. With so many players in the market offering near identical products, focussing on what gets your brand shortlisted could be one way of setting yourself apart from the crowd.

We are just weeks away from running this study again so it will be interesting to see how well these top eight brands have leveraged off their key selling points. Or perhaps we’ll see a different set of brands rising to the top?

Contact us to be amongst the first to receive our upcoming study results and gain further insight into what is making your brand a winner when it comes to researching travel insurance.

Continue reading

Health insurance digital experience not meeting prospective customers’ needs

In October we will be carrying out the next wave of studies from our Australian Health Insurance research programme. Previous research revealed the following top elements that prospective customers are wanting on a website when researching health insurance:


Health Insurance

This same research also assessed how easily these prospective customers could locate and understand the health insurance product range across the nine websites that were benchmarked. Across the industry, the effectiveness of being able to do this averaged 38%, with only two brands showing a semi-reasonable performance.


Effectiveness of locating product range
Which rating below relates to your site?

Considering 18% of prospective customers will leave a website if they encounted problems, you can’t risk falling below the line when there are brands who are already delivering.

Contact us to find out how your website rates and to ensure that your brand is included in this next wave of studies.

Continue reading

How consumers are researching motor insurance

As part of our Digital Marketing Effectiveness programme we asked 200 Australians who were in the market for motor insurance to use the internet to research, shortlist and choose a provider.

We tracked which websites consumers used and then asked them how they would typically access these websites:

Motor Insurance Q314To find out more about how consumers are using the internet to find a motor insurance provider, download this free report or contact us to see how your website fits into the mix.

Continue reading

Trouble areas on superannuation websites

Retirement Chess

Companies included in this study: AMP, ANZ, Australian Super, BT, CBA, ING Direct, OnePath, SunSuper, VicSuper and Westpac

In July 2014, Global Reviews ran its bi-annual Digital Sales Effectiveness (DSE) research for the Superannuation industry which measures the online customer experience offered to consumers when looking to open a new superannuation account. Across the six stages of the customer journey, the industry is scoring an average of 45%. The benchmark consists of three consumer inputs; customer behaviour, audit & attitude, as well as the Global Reviews best practice audit.

SuperDSE Q32014

Industry falls short at explaining the products

Upon arriving on a brand’s website, consumers are typically going to be seeking out what investment options are on offer to them. When it comes to the functionality behind introducing these options, the industry averaged a score of 48%.

  • Only four of the ten companies benchmarked in this study scored above 50% for helping customers to find and understand any fees and charges. As a result, the industry average was 44% for this category.
  • CBA was the top performer when it came to how easily consumers could find fees associated with a fund, with a 98% success rate in finding this information. On the other end of the scale, the lowest performer for this category saw only 21% of consumers being able to successfully locate the fees associated with a fund.
  • The biggest weakness across the whole industry is in the detail and context of the fees and charges information. The industry scored 25%, with Westpac taking the lead on 48% – 11 points ahead of the next best performer.

Consumers have very little assistance in helping to pick and compare product options

In order to pick a fund, companies need to assist consumers in matching a fund to their individual needs as well as allow them to compare their options. For this stage of evaluation options, the industry averaged a mere 29%.

  • ING Direct was the top performer here with a score of 54%. The lowest scoring company scored just 9% – mostly brought down by the inability to compare investment options.
  • Only three companies currently provide an interactive comparison function. Australian Super and VicSuper led here, both with 37%, with ING Direct sitting 10 points behind on 27%. ING Direct did, however, perform the best in terms of the ease of comparing options.

For more information about the Superannuation Digital Sales Effectiveness study, please contact:

Ché Carbis
Regional Commercial Director
T: +61 3 9982 3419
M: +61 411 962 857

Continue reading

What do customers do when having problems on a banking website?

We surveyed 861 Australian consumers who were in the market for a banking product and asked them what they would do if they encountered problems on a website while they were researching and selecting a product.

This data was captured as part of our Digital Sales Effectiveness programme across the following benchmarks:

  • Credit Cards
  • Mortgages
  • Savings Accounts
  • Transactions Accounts

BankingIssue Info02Visit our research store to download our free reports.

Continue reading

Golden boot winners of the Digital World Cup

Football online betting

Author: Marie Sheehan

As part of our ongoing programme of studies into the online effectiveness of UK sports betting providers we ran our Digital Sales Effectiveness (DSE) benchmark during the World Cup.

UK bookmakers were expecting to take as much £3 billion in action during the World Cup and we felt there was no better time to analyse online purchasing behaviour and track sports betting customers online.

Customer purchasing journey scoreboard

The study researches ‘in market’ sports betting online consumers using our unique methodology which has 500+ data points in 63 metrics per company being benchmarked.

As part of our programme we have scored how each sports betting provider performs at each stage of the online consideration and purchase journey. The scores listed below are calculated using a series of tasks, questions and best practice criterion at each stage of the customer journey. All scores are weighted according to our industry and consumer research based on the importance of site elements during the journey to customers to support decision-making.

Golden boot – top scorers per stage


“Initial Engagement” Golden Boot: William Hill with 68%

Evaluates: the customer’s first impressions of the website and the company brand

Measures: fundamental site elements like navigation, privacy, building trust and value proposition

“Introducing Options” Golden Boot: Coral with 63%

Evaluates: the customer’s ability to locate product or service options on the website

Measures: how easily customers can find all options and detailed information associated with the product or service such as fees, rates, inclusions or terms and conditions

“Facilitating Decisions” Golden Boot: Bet Fred with 58%

Evaluates: the company’s ability to assist customers in the final stages of their decision making process Measures: how easy a company makes it for customers to get answers to important questions

“Channel Selection” Golden Boot: Sky Bet 59%

Audits: the website’s ability to convey the options available to customers in order to place a bet

Measures: how well your website introduces both online and offline options for the customer

“Placing a Bet” Golden Boot: Coral 58%

Evaluates: how the website manages the beginning of a customer’s purchase process

Measures: best practice elements for a shopping cart type interface, including supporting content required before a customer places a bet

“Registration” Golden Boot: William Hill 72%

Evaluates: how the website manages the customer experience prior to purchase/placing a bet

Measures: best practice form elements and expectation management during the process such as error handling, process indication and both online and offline support

Full time analyses

The key to growing online sales is about understanding the (lost) opportunities, getting to know what you don’t know, and finding out what you can do differently. The Global Reviews Digital Sales Effectiveness programme delivers the evidence-based insights and advice to better manage and improve customer experience and digital business outcomes.

A word from our pundit: “Do not try to fix what is not broken. Understand your journey through the consumers’ eyes and target the stages of the customer journey that are under performing.”

Our pundit, Liam O’Callaghan is available for comment on + 44 (0) 203 725 8262

Continue reading

How are Sports Betting mobile sites performing?

Soccer Phone

Author: Marie Sheehan

The first mobile site study
In Q1, 2014 we conducted the first Mobile Sales Effectiveness (MSE) Study into sports betting websites in the UK.
The sports betting mobile sites reviewed were: Ladbrokes, William Hill, PaddyPower, SkyBet, BetVictor, Sportingbet, BetFred, Coral, 888, Bet365 and Betfair.

Small points difference in MSE Scores, UK Sports Betting Brands Q1 2014
In this study, Global Reviews’ mobile web effectiveness benchmark for Sports Betting providers delivered an overall industry average of 54%, with a small variance between scores; the highest score being 55.9%, attained by SkyBet followed closely by Ladbrokes with a score of 55.7% and BetVictor with 55.6% The lowest scoring site – Betfair – achieved a score of 48.5%.


These scores are calculated from four key tests; a set of practical tasks, an attitudinal survey and an audit of the site’s features – all done by prospective customers – as well as a best practice audit by experts, consisting of over 350 separate criteria.

Measuring the online purchasing journey – from first visit to the mobile site
The sports betting MSE benchmarks are made up of six phases which follow the customers’ journey from ‘Initial engagement’ – their first encounter with the website – through researching and choosing a bet to place through to filling in the registration form online.

In Q1 2014, UK sports betting brands did best at the ’Registration’ stage (scoring an average of 63%). The industry scored lowest for the ‘Channel selection‘ (20%) stage, with no brand scoring higher than 28%

‘Why choose you?’
In an intensively competitive market such as sports betting, bettors need full encouragement through the last step of their betting decision through the provision of external comparisons, access to FAQ, contact details and decision support through ‘why choose us?’ content.

Key pain points in the customer journey:

  • Few brands attempt to differentiate their services
  • Sites make contact details and help hard to find

‘Why register and bet through a mobile site?’
The ‘Act’ phase of the MSE study looks at how well the sports betting mobile sites explain their channel options for placing a bet, as well as how effectively the site encourage to users to complete their bet online.

Key pain points in the customer journey:

  • Mobile channels are poorly promoted
  • Registration requires more support

‘How easy is it to place a bet?’
When users find a bet they like, they then need to figure out how to place it – something not made as simple as it should be.

Key pain points in the customer journey:

  • Bet slips need more help and support
  • Users need to be reassured on safety and security

Although many sports betting providers perform well in some areas of the customer journey, most notably the registration forms, with an average score of just 54% none are providing the necessary consistently positive experience throughout the site from homepage through to registration and betting.

Most mobile sites fail to adequately signpost users to contextual help and support, as well as failing to show why potential bettors should select their brand above others. Sports betting sites, like brands in many other markets, also fail to encourage users to apply through the mobile site, and fail to adequately promote the ease and speed of registration.

White paper
Download the white paper on this study

Upcoming study
Our next study into the mobile web performance of sports betting providers will take place in September. To be included in this study or to find out more, please contact Liam O’Callaghan 0203 7258262

Continue reading

KISS your website

KISS computer

Author: Marie Sheehan

Companies are losing one in five customers online by over-complicating their websites.

Ok, so it’s not “kiss” as in the lip smacker display of affection…

…..It’s KISS as in “Keep It Simple Silly”…

Our research*, which benchmarked 166 companies in the UK, found that 21% of customers would leave a website immediately to find another provider if they encountered a problem when shopping online.

Encountering a problem on a website

A third of customers find that they have to put in more effort than expected
The studies also revealed that on average 32% of customers had to put in more effort than expected on a particular website to achieve their desired task. The energy industry scored lowest with a substantial 40% of customers finding websites required too much effort.


Digital customer experience
While innovations in website design continue to evolve, understanding what’s required to simplify the customer’s buying journey is often misunderstood. Companies need to know how easy – and how difficult – it is to buy from them online.

*Our ongoing international syndicated programmes provide companies with a totally unique insight into how effectively they engage customers online and help them match a product to service to meet their needs.

We provide companies with targeted, actionable insights to improve their digital customer experience curb website visitor attrition and improve digital sales. It’s not necessarily about how companies would like to sell online; it’s about how easy you make it for consumers to make a purchase decision. We see companies realising an immediate online sales uplift once they change their approach.

If you would like to know more, please contact me.

Continue reading

Banks in competition as households pay an extra 7.5% for personal loans

Personal Loans blog image

Author: Suzy Coulson

The results of a recent survey conducted by the Reserve Bank of Australia on bank fees has revealed a 2.3% rise in the product fee income banks have received from households during 2013. Personal loans had the biggest fee income increase compared to all other banking products, going up by 7.5% from the previous two years. As we move closer to feeling the impact that the Government’s proposed budget plan is promising, we suspect households will be keeping a closer eye on their finances, including the interest rates they’re paying.

With this in mind, now is the time for banks to consider how they will capture and retain customers as they go on the hunt for the best personal loans deal.

In February 2014, we ran a study to assess the sales effectiveness of some of the bigger players in personal loans to see how they perform across the customer decision journey.

What we found was that relative to the sales journey of other major banking products, the journey for personal loans performs quite well. However, there are a couple of key stages where the journey falls a little short; ‘evaluating (product) options’ and ‘facilitating (customer) decisions’. If we consider the stages of a typical sales journey, then these are two key stages before people are likely to even want to ‘act’ on their decision.

Personal loans graphEvaluating loan options and making a decision on which loan to choose are likely to be key areas of focus for households now given the results of the RBA study and release of the new budget. Failing to adequately support customers through these stages could prove to be of great disadvantage to the banks as we continue to see alternative loan providers such as Cash Train and Nimble flooding our TV screens.

As part of being able to evaluate their loan options, customers will look for products offering specific features, such as low interest rates, of course.  They will also often rely on borrowing power calculators and loan repayment calculators to assist them with their decision making.

In the range of tasks we asked consumers to complete, the task of matching a product to the customer’s needs scored the lowest with an average success rate of 45%. This average was primarily brought down by Westpac (25%) and CBA (10%).

On a scale of importance from 1-10, consumers rated ‘having a tool to help select a loan based on personal needs’ as an 8.3 in importance and the ‘ability to easily view account features and benefits’ an 8.9 in importance. Given these high rankings of importance and low performing task success rates, brands need to pay close attention to how they are going about displaying their product options.

In addition to the low scoring task, the industry averaged just 45% for the category of ‘calculating options’. ANZ topped this list with 86% (89% for borrowing power calculator and 81% for loan repayment calculator), 30 points ahead of CBA who was in second place with 67% (60% for borrowing power calculator and 72% for loan repayment calculator). Citibank, who was in last place with 19%, and St George, who was second last with 21%, fell short in this area as they don’t provide borrowing power calculator for customers. Consumers rated online tools such as borrowing calculators 8.6 in importance, showing just how important it is that personal loan providers provide these elements on their website to support decision making.

If customers are unable to calculate how much they can borrow, they are likely to go elsewhere to find out!

With the interest rates on personal loans typically sitting at the same value regardless of the provider, brands need to not only sell their products, but also need to sell themselves. Where offers are near identical, brands need to sell themselves alongside their products to give customers a reason for picking them over their competitors. The industry overall fails here, with most companies neglecting to educate prospective customers on their value proposition. If the banks can’t tell consumers why they should be chosen, how can they expect these prospective customers to pick them over somebody else offering the same product?

As consumers begin to take more notice of their budgets, banks need to take more notice of their customer experience journey in order to keep consumers on side. If they can’t improve in aiding customer with evaluating their options and making a decision, then other loan providers become as worthy a competition as the banks themselves.

For more information about the Personal Loans Digitial Sales Effectiveness Study, download our free report or please contact:

Ché Carbis
Senior Commercial Director
T: +61 3 9982 3419
M: +61 411 962 857

Continue reading

10 Ways to Improve Your Digital Customer Experience

10 Ways to Improve Your Digital Customer Experience

Authors: Rebecca Jennings & Marie Sheehan

We review and benchmark hundreds of websites around the world each year; using a combination of consumer insights, behavioural tracking and expert evaluation mapped to best practice customer decision journeys.

In the course of these analyses, it has become clear that there are some common pains in customer journeys across industries; errors that brands across industries such as energy, auto, home and travel insurance, financial services and sports betting make that cause pain to the customer, reducing the chances of a final purchase.

We’ve put together a list of the top ten ways to improve the digital customer journey; all relatively quick wins, in order to increase the chances of a consumer completing their consideration and purchase journey, and driving up conversions.

1. Think needs, not products
Focus on what users are trying to achieve not what you want them to buy
(I need a red apple. I never buy green ones)

2. Blow your own trumpet
Outline why users should choose you
(I need to be convinced I am making the right choice)

3. Show users you have products to suit their specific needs
Help users to choose the right option
(I’m not 100% sure I know what I want)

4. Enable easy internal comparison
Make it easy for users to compare your products
(How can I compare products?)

5. Enable easy external comparison
Make it easy for users to compare your products with your competitors’
(How can I compare these products with others I’ve seen?)

6. Integrate contextual help
Place multiple phone number & link to FAQ on home page
(I need help when I need help)

7. Support cross channel needs
Make it easy for customers to use multiple channels
(Can I buy this on my mobile?)

8. Promote the online channel
Outline the benefits of purchasing online
(Is this website secure?)

9. Set consumer expectations for the purchase
List what customer need to complete a purchase upfront
(How long is this going to take?)

10. Support the buy
Include on page support & info within purchase process
(Where can I find my customer account number?)

These ten tips are fairly straightforward, but surprisingly we often see how many of the basics get overlooked, which compromises not only the experience, but also limits sales growth.  When companies understand their customers decision journeys, and have this as the backbone to their digital execution, both online sales and the customer digital experience improve.


If you’d like to know more, please get in touch.

Marie Sheehan
Head of Marketing (Europe)


Continue reading