Motor Insurance: Significance of connecting with customers over Phone

Ever wondered what your potential customers place value on when it comes down to choosing their Motor Insurance provider? In this mass marketing and nitpicking world, it could be a matter of crossing your ‘t’s and dotting your ‘i’s.

In terms of motor insurance it is all about the communication channels that an insurance provider has. Our research for Motor Insurance providers in Australia, has revealed a fact that not many providers pay attention to- the significance of phone calls.

Though the popularity of Live Chat is significant, there is no denying the rebound phone calls have made in recent times. Research has shown that when customers choose their final Motor Insurance Provider, they prefer to speak to a real person than to someone on a Live chat.

“Self -serve channels are likely to assist consumers who are researching motor insurance products, but as these consumers get closer to purchase, their desire to speak to a real person increases”

The below two graphs are a representation of the importance consumers place on different channels, at different stages of their decision making process, when purchasing a motor insurance.

Image 1- Vol 2

Graph- Joe

**The above data has been collected in-house by Global Reviews. All our data is curated to meet our clients needs and help their business gain momentum.

Global Reviews specialises in helping top brands worldwide convert more of their ideal customers online, through the use of the most advanced research methodologies. To find out more about how we can help you and your digital teams, or if your brand would like to be included in our next round of FRUITION research, please contact: 

Darren Watson – Senior Commercial Director
T:         +61 3 9013 0531
M:        + 61 413 017 959
E:         darren.watson@globalreviews.com

Tony Carveth- Senior Commercial Director

T:         +61 3 9013 0531
M:        +61 438 081 496
E:         tony.carveth@globalreviews.com

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How well do health insurers encourage online application?

apply online

Recent research conducted by Global Reviews shows that the Australian health insurance industry is failing to provide consumers with a reason to apply for a policy with them online.

The majority of people who are researching health insurance online, also wish to purchase the policy online, however, there are 3 key elements missing from most websites that encourage consumers to purchase online whilst providing them with security and privacy. These elements are:

  1. Poor new/existing customer handling
  2. No promotion of the benefits of purchasing online
  3. Security and privacy features and functions being neglected

There are numerous opportunities within the application form stage that many health insurance providers are missing out on. By enhancing the process, brands can come to deliver an optimal online experience that not only helps the consumer feel secure, but also gives them a reason to recommend the brand and site to others.

During the most recent research, AHM was the only brand actively promoting the online channel for application by providing an incentive. At the time of writing this piece, AHM was offering savings up to $200 for taking out a policy online. This simple offer gives consumers a strong incentive to purchase a policy online prior to the offer expiring.

ahm Health Insurance Cheap private health insurance

Whilst incentives are one good way to encourage online application, they are not necessary. Other methods can be used to encourage consumers to begin the application form online such as highlighting key benefits and conveniences including:

  • Ability to apply any day, any time
  • Complete the form in your own time
  • Faster applying than other ways – no wait time

Another key element in this phase is in managing expectations by addressing the following common questions:

  • How long will it take to complete the form?
  • What information will I need to provide?
  • Will the company respond to my application and how?
  • Are there any terms or conditions I should be aware of?
  • Will my information be kept secure?

Surprisingly, most health insurance websites are failing to answer these questions prior to consumers beginning the application. It’s not until they’ve already begun the process that some of these questions start to get answered.

Although there are still a few questions that go unanswered, GMHBA is currently one of the few who answers any of these questions at the quote stage. Prior to clicking through from the quote to the application form, consumers are told how long the process will take and what details they’ll be required to supply. If the consumer doesn’t have 5 minutes or their Medicare and bank cards on hand, they’re given the option to email the quote to themselves so that they can complete the application form at a later stage. This lessens the risk of losing the consumer to someone else if they’re not able to apply right away.

GMHBA Private Health Insurance

Meanwhile, within the application form itself, it is more common to see brands addressing these questions. BUPA is a good example of a brand that helps set some expectations within the form as well as providing support options and demonstrating a sense of security.

  • At the top of the form is the Norton security symbol to give consumers a sense that their information will be kept secure and it is safe to complete the form.
  • Alongside the symbol is an outline of the stages of the form. Whilst an estimated time for completion is not provided, consumers can still easily see how far along the process they are.
  • Below the cost is a box which outlines what information is required to complete the form.
  • Finally, contact details are provided in case the consumer requires further assistance. This includes call centre operation times to advise consumers when they can call.

PHI BupaBy answering some of the key questions listed above both prior and during the online application process, it will help to give consumers a reason to not only trust the brand, but also confidently complete the application online. Both of these reasons can go a long way when it comes to building a relationship with the consumer. Once a consumer is happy and confident with a brand, they will be less likely to go elsewhere and more likely to recommend that brand to others.


To find out more about this research or to ensure your brand is included in our next round of research, contact us today:
Tony Carveth
Senior Commercial Director
tony.carveth@globalreviews.com
+61 3 9982 3400

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28% of consumers are unable to find the product range on mortgage websites

In June 2016 Global Reviews observed and measured 400 consumers as they sought after a new mortgage provider online and found that 28% of consumers are unable to find the product range on mortgage websites.

The ability to quickly and easily locate and compare product options is an obvious top need for consumers when researching products online. This is no exception for those looking for a new mortgage provider so it’s a concern when so many consumers are struggling to complete what should be a simple task.

Consumers on the ING Direct website had the highest effectiveness rate with 81% for navigating from the homepage to an area dedicated to showing the product range. They were closely followed by CBA with 80% and Heritage Bank with 78%.

Success rate for locating product range

Given their high success rate, it is not surprising that consumers on the ING Direct website had a much higher level of satisfaction in completing the task with a score of 86%, against the industry average of 75%.

Whilst having a direct and clear navigational path from the homepage to the product page is vital, it is equally important to deliver on content once consumers arrive on the page. This includes adequately detailed information, product comparisons and tools to assist the consumer in finding the best product to suit their needs.

Comparing product options

On average, consumers rated the comparison capabilities of mortgage providers at 75%. The ease of comparison was rated at 71% whilst the interactive elements within the comparison tools only averaged a best practice score of 40%.

NAB was the worst performer with a score of just 44% for how easy it is to compare options. Meanwhile, St George and CBA lead the industry with scores of 81% and 80% respectively ahead of an industry average of 71%.

Ease of comparison

Some of the key features the top performers include on their comparison page that help to boost their scores are:

  • Detailed information including whether or not an offset account is available for the product.
  • Information as to whether redraw facilities are available.
  • Displays definitions of industry specific jargon or displays a link to a glossary
  • Ability to compare all accounts in a single location
  • Displays interest rate information for each account
  • Ability to print the comparison table

Minimal tools for matching products to needs

To find the product that best suits their needs, consumers could read about each product individually or look at a comparison table, however, these methods do tend to rely on a certain level of understanding of how the product works. Something that especially those new to the market would have difficulties in doing successfully.

The solution? A needs matching tool.

Five of the eight brands assessed in this study do not offer such a tool and therefore rely on a certain level of knowledge and understanding from the consumer. A risky move given 17% of consumers said they would leave the site and go elsewhere if they faced difficulties on a site.

The three companies within the industry that do use a tool to assist consumers in deciding which mortgage account is right for them are CUA, ING Direct and NAB. By including a tool to assist in needs matching, these brands scored well ahead of the industry average of 36%. CUA scored 67%, ING Direct scored 62% and NAB scored 50%.

Needs matching content scores

A needs matching tool doesn’t have to be extravagant. The use of guiding questions is a simple way of leading consumers towards a product most relevant to their needs. Obviously the more interactive elements and detail the tool includes, the more confident consumers will be in knowing that they have selected the right product to meet their needs. Given how few brands are offering such a tool, even the basics will deliver a better online experience than having no tool at all.

Taking out a mortgage can be a daunting enough task without the added stress of trying to navigate and understand details on a brand’s website. By providing the right information in an easily digestible format, brands can help consumers feel more confident in their decision and therefore instill a stronger sense of trust in the brand.

Mortgages report 2016

 

For more tips on how to improve the online customer experience, download our FREE report.

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Superannuation companies are not delivering on customers’ top needs

Superannuation companies are not delivering on customers’ top needs

Superannuation is a unique industry whereby consumers are influenced as to which brand they choose by a broad range of inputs such as employers, financial advisors and family. With so many external factors feeding into the decision making process, it is imperative that once consumers are on the website that they’re met with a strong online experience, otherwise they’ll be easily swayed by external factors rather than what the brand can offer them that competitor brands cannot.

The top reasons for consumers to shortlist a superannuation brand for further consideration, as defined by market research conducted in January 2016, were brand recognition (I was familiar with their names 48%) and search engine placement (I saw them when using search engine 40%).

Looking more specifically at website performance in conjunction with branding, top rating reasons were trust in the brand (35%), the website helped compare options (26%), product/offers easy to understand (26%) and looks easy to use (25%).

Top reasons for shortlisting a superannuation brand

Why shortlist brands

All these reasons for shortlisting a company each have their own features which can help improve the overall customer experience. As seen from the scores, one of the most important reasons for shortlisting a company is trust in the brand, however, online customer experience research conducted in July 2016 saw an industry average for building trust on the website at only 54%.

While the industry is already making moves towards including more features and functions that can build consumer trust, there are many features and functions that still need to be improved.

There is currently no company within this industry, that we measured, that is performing outstandingly in the area of meeting expectations and building trust. The top performer is Sunsuper with 61%. Considering the average is 54%, the general performance of the industry is pretty poor. The companies that are not scoring well, such as BT (47%) and EquipSuper (46%), would benefit most from improving on features that will help build consumer trust.

Meet expectations & build trust benchmark scores

Meet expectations & build trust

Given the low scores within the superannuation industry, it becomes important to look to other industries to learn ways in which to improve a sense of trust on a website. Nationwide, a UK home insurance company, is the top performer for building trust. Nationwide scores a perfect 100%, which is 39% higher than the top performer in the superannuation industry.

So what can be learnt from the home insurance industry when it comes to meeting expectations and building trust, what is done differently and what is similar?

When comparing Nationwide with the superannuation industry, there are a number of features that the home insurance industry utilise better than the superannuation industry.

  • The first feature noticed when comparing websites, is the lack of a phone number on some superannuation websites. The phone number of Nationwide is hidden under the tab additional information, and while this might not be the optimal way for customers to notice it, it is still accessible.
  • The second feature that Nationwide has is a feedback feature on every page. This can be of major importance for companies to help guide website adjustments to better meet customer needs and lessen any problems customers may experience whilst on the site.
  • The last feature that Nationwide has that many superannuation sites do not, is a trust building page about history of the provider. If customers can see the origins of the company, it can instill a greater sense of trust than having no context as to where this brand came from.

Some other functions that can be of great value, but are not used by a lot of companies within the industry are having ‘why choose us/this fund’ content easily accessible i.e. within a click of the homepage/landing page. Superannuation brands all offer similar, if not the same, products so it is important for a prospective customer to be able to differentiate between brands in order to make an informed decision.

Also important is having information available on the fund’s performance within a click from the homepage, and how the chosen fund compares to other funds. This last feature, the comparing of funds, is currently only used by two companies in the industry. This is an important element that should be used by a brand to differentiate themselves from competitors.

To find out more, please download this FREE report.

Superannuation Digital Effectiveness Report (2016)

Next round of superannuation research is about to commence. Register your details to ensure your brand is captured in the next round of studies.

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How investing in a personalised online quote tool for life insurance can help to improve customer experience

Recent Global Reviews research which looked at the Digital Sales Effectiveness of the Life Insurance industry in both the UK and Australia revealed that the majority of providers are scoring below average. According to our in-depth research around customer experience in the life insurance industry, the ability to receive a well-tailored, easy to understand and personalised quote is of major importance. Scoring an average of 8.5 for the UK market and an 8.3 for the Australian market (on a scale of 1-10) for customer needs.

Top Needs

Through advanced research methodologies, Global Reviews found that the UK Life Insurance market scored rather low, 53% for the quote tool tailoring features while the Australian market scored substantially higher with 81%. When it came to ‘understanding the quote’, the UK life insurance market scored on average 48% with the Australian market scoring 67%.

UK AU Average

If the UK and the Australia are to be compared, the UK can certainly learn from the features the Australian market has introduced. We looked at top performers on personalised quotes within the Australian life insurance industry and the top performer of the UK in that same category.

RACQ and Coles are the top performing brands in the Australian life insurance market when it comes to a well-tailored and easy to understand quote. RACQ scores 82% on quote tailoring features and 79% on understanding the quote with Coles scoring 91% and 73% respectively.

The features that add to the strength of these top performing quote tools are:

Coles:   

  • Policy additions are listed with a price.
  • The quote includes a reference number.

Coles

RACQ:

  • Summary of key information.
  • There is a clear breakdown of what the price covers.

RACQ

Both:

  • Customers are told whether the quote results are ‘estimates only’ or actual.
  • Quote results link to detailed explanation of the product.

In the UK market, Legal & General scored highest, with 82% on ‘tailoring the quote’ and 60% for ‘understanding the quote’. This is an exceptional result taking into consideration that the average UK score is 53% for ‘tailoring a quote’ and 48% for ‘understanding the quote’.  What is Legal & General doing to achieve high scores?

As part of Global Reviews rigorous research programme multiple features and functions of the quote tool are tested. Our research revealed that Legal & General’s quote tool is tailorable and flexible. The quote gives customers the option to add extra items to their insurance policy. In addition, every policy is listed with a price, and the price is then automatically updated with every adjustment. Another feature that makes Legal & General stand out an easy comparison table for the key insurance products which helps customers to compare options and easily understand the quote. Life Insurance providers across the globe would stand to differentiate themselves and create a better customer experience simply by helping customers through the quote tool, helping them to compare and understand options.

UK L&G

 

 

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General Insurers – Simple Steps to Optimising Online Customer Conversion

General

Here at Global Reviews, we are fully focused on helping brands worldwide across multiple industries to increase their online acquisition ratios and conversion rates. One such industry is insurance and interestingly, our most recent data revealed that both home and motor insurance providers struggle at helping customers across each stage of the online customer sales journey.

The Sales Effectiveness Customer Journey 

The sales effectiveness customer journey follows the user through the four stages of consideration followed by the two stages of action.

Customer Sales Journey

  1. Initial Engagement – a user is introduced to the website
  2. Introducing Options – locating various insurance options
  3. Evaluating Options – considering different policies
  4. Facilitating Decisions – making a final decision on which insurance policy to choose
  5. Channel Selection – choosing how and where to purchase the insurance policy
  6. Application Form – purchasing the insurance online

It becomes apparent when we look at the scores across the stages for insurance providers in Ireland, UK and Australia, that there is a very common theme. The focus for insurance brands tends to gravitate towards the book ends of the customer sales journey,’Initial Engagement’ and the ‘Application Form’. As a result, insurance providers are failing to focus on their customers needs and wants when it comes to finding the correct insurance policy, ‘Evaluating Options’. It is at this stage we can see the scores drop across the various regions.

Motor Insurance Customer Journey

Drilling down further, and looking at the low ‘matching products to needs’ scores across a number of brands in Ireland, UK and Australia, it is evident that insurance customers struggle to find relevant product details to ensure product details matched their specific needs.

Matching products to needs

What steps can insurers take to increase online customer acquisition ratios? 

Simple improvements can make a big difference.

  • Highlight the value of the quote
  • Ensure that comparison tools and tables have a call to action.
  • Help customers differentiate between insurance covers. Ensure that customers have the right cover to suit their specific needs.
  • Highlight key product features but link to full detail pre-quote.
  • Ensure navigation is easy to follow. Clearly communicate the starting point for customers.
  • Calculators help users to make informed choices
  • Clearly communicate trust

To find out more, join our upcoming General Insurance webinar 

Global Reviews is a recognised world leader at providing leading companies with unique intelligence that helps increase their online customer acquisition ratios.

To find out more about our research programmes and how we can help you convert more of your ideal customers online, please contact:

Hannah-Rose Farrington – Commercial Director

T:         +44 (0) 203725 8260

M:        +353 (87) 1263043

E:         hannah.farrington@globalreviews.com

 

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Importance of motor insurance providers presenting a strong value proposition

Motor Insurance Value Propersition

Along with brand trust, having the best offers and prices is a key driver for getting shortlisted and finally selected by a customer. When compiling a shortlist of motor insurance providers, 42% of consumers put a brand on their consideration list because they had good prices/offers.

Budget Direct is a brand with relatively low initial recall of just 18% compared to AAMI’s 66% unprompted recall rate, according to the most recent data from our Digital Marketing Effectiveness studies. However, once customers did their initial research, 27% placed Budget Direct on their consideration list. Given that Budget Direct scored an impressive 78% in our Digital Sales Effectiveness benchmark for their site content around value proposition, their strong inclusion on shortlists is not surprising. They sit well above the industry average of 41% for their value proposition content, and hold a 22 point lead on Coles Insurance and GIO who share second spot each with a score of 56%.

Brands that cannot compete on price need to be focusing on clearly communicating what their value proposition is, otherwise they will lose out to brands who are in a situation where they can offer the lowest prices.

For a non-tangible product such as insurance, it can be difficult for consumers to determine the difference between policies offered by different brands. Therefore, brands need to be able to set themselves apart by including things such as a slogan to identify their competitive advantage.

Explain to the consumer what it means to be a policy holder with you. All insurance products offer protection, so what does your brand offer that nobody else does?

In addition to explaining what sets a brand apart, companies also need to be ensuring that they refer to the customer needs rather than solely focusing on the product. Using user centric language such as ‘you’ and ‘your’ can help to engage the consumer as it can turn the language used from feeling like jargon to becoming more conversational and relatable.

All of this helps to build a stronger brand impression whilst delivering a value proposition consumers can relate to and understand. This strong brand impression in turn helps to drive higher conversions online.

To learn more download our FREE report or join our upcoming webinar.

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3 ways banks can learn from other countries, other industries and themselves

Digital Transformation

As a whole, Australian banking websites offer customers a strong online experience, however, there are a few areas where they tend to fall short or at the very least could afford to push themselves further to deliver a stronger experience. Following on from our recent webinar on the same topic, we now give you 3 ways in which banks can learn from other countries, other industries and themselves.

1. LEARNING FROM THEMSELVES (MOBILE vs DESKTOP)

When completing tasks on banking websites, the amount of perceived effort required is far higher on desktop websites in both Australia and the UK than expected on Australian mobile banking websites.

Perceived effort required to complete basic tasks on banking websites

Effort banking

The reason for this variance in perceived effort is in part due to the fact that mobile websites are essentially forced into offering a simpler and more condensed experience as the main website is adapted for a handheld device.

Learning from mobile: Both Westpac and St George utilise drop-down accordions and concise customer needs headings to create responsive site sections for personal loan content. This gives the customer the option to browse more in-depth product information at their own leisure, rather than bombarding them with bulky text. Applying a similar approach to the desktop website could help to improve the visual appeal of a page as well as lessen the feeling of being overwhelmed by too much information – especially in the early stages of research.

Westpac puts a priority on shortening the customer journey to their loan application page through the use of priority buttons. There are also options for both online and phone applications, to cater for a wider portion of customers depending on their preferred application methods.

St George includes related needs images and overviews for loan products, giving customers a quick comparison of products with an option to view more information on an individual product.

Westpac St George mobileTakeaway tip: A lot of brands are focussing their efforts on their mobile site, which in turn means the main desktop site is getting neglected. It is important to schedule time into your development plan so that once the mobile site has been set, the corresponding desktop site can be reviewed to see which shortcuts or condensed content from the mobile site can be applied to the main site.


2. LEARNING FROM INTERNATIONAL BANKS

Understanding fees and charges is the most important element consumers are wanting on a banking website. Whist Australian banks do perform quite well in this area, there are some international banks that go one step further.

Top customer needs on Australian banking websites

Important elements

Learning from international banks: Santander received a 99% effectiveness score for the process of locating interest rate information. This success is helped along by Santander’s fees being easily accessible and transparent on their credit card landing page via use of a highlight red box around the ‘Representative example’ content. This provides the customer with immediate information on fees and rates, including their annual fee.

Additionally, contextual tools and help are displayed within the main navigation which feeds into easy navigation and delivers a sense of security and trust within the brand.

Santandar credit cards

Ally Bank in the US makes their rate for their savings account the hero, boldly presenting it as the starting point for account information, just below a clearly defined customer rating to immediately build trust through transparency and customer advocacy.

Ally also shortens click paths to account rates and fees by keeping a fixed tab menu above the fold on the product page.

Ally bank

Takeaway tip: In addition to observing best practice amongst direct competitors, keeping an eye on the international market can keep you ahead of the game locally.


3. LEARNING FROM OTHER INDUSTRIES

Arguably one of the main reasons that a consumer visits a website is to learn more about the product range on offer. For banking brands this is the range of accounts, for sports betting brands this is the sports and for universities this is the courses on offer.

Across all of the Australian websites benchmarked by Global Reviews in 2015, it was the sports betting industry that achieved the highest customer experience score. Banking and travel came in at number two, closely followed by tertiary education. Whilst the product may differ from industry to industry, the customer journey essentially remains the same which means there’s no reason why banks cannot learn from other industries as well as their own.

2015 customer effort scores by industry

Industry scores

Learning from other industries: Crownbet clearly defines their main navigation menu through leveraging familiar icons. They also create a quick list navigation menu to the left of the page, to further cut down click paths for customers.

CrownBet

Deakin University achieved a 90% success rate for the behavioural task of finding course information through having clearly defined and prioritised course call-to-action areas on their landing page. DeakinTakeaway tip: It doesn’t matter if you’re a bank, betting agency or university – each of these industries are fundamentally doing the same thing in that they are selling a product/service to customers. So whilst looking at what other banks are doing is important, it is equally important to see what other industries are doing to get a better understanding of the online experiences your prospective customers are getting elsewhere.


As we can see, there’s always someone else Australian banks – or any brand for that matter – can learn from; whether that be themselves, international counterparts or even other industries. Global Reviews is the only place where brands can get a comprehensive view of how they’re performing with best practice insights pulled from all of these areas. Contact us to get these types of insights across your brand so that you can get ahead of the game.

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Motor Insurance: What is driving the change in brand preferences?

Sales funnel

Getting onto a consumer’s consideration list is one thing…staying there is another! Most brands know how many people are reaching their website following a Google search, but how many know where these prospective customers go once they’ve left the site? Then there’s the question of why did these consumers leave and why aren’t they coming back?

Throughout November, January and March we asked Australian consumers who were in the market for a new motor insurance provider to conduct their initial research online and tell us which brand(s) they considered vs. which brand they would finally prefer after initial research.

The following infographic shows how many prospective customers brands are losing between consideration and final preference as well as the evolving trends in what is driving brand preferences.

Motor Insurance infographicThe Global Reviews Digital Marketing Effectiveness study is the only research programme that can truly show marketers what is happening with their prospective customers online. In addition to studying the research habits and processes of consumers, Global Reviews also assesses the usability of the individual brand websites, focusing specifically on how well the website aids the consumer when researching and opening an account online.

Contact us to find out how consumers are researching your brand and whether or not your website is helping or hindering them in the process.

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Traditional health insurance brands offer a stronger online customer experience than digital disruptors

“Based on this [health insurance] website – I think I would give up before finding what I was looking for.” – research participant

The above quote was captured in 2015 when Global Reviews interviewed over 1700 ‘in market’ health insurance consumers – that being consumers actively in the market for buying health insurance within the next 90 days at the time of the research – as part of their health insurance programme, resulting in a very specific, active and robust sample for the purposes of this research.

Concentrating specifically on the desktop journey, the performance of 17 health insurance brands across 3 different countries; Ireland, UK and Australia were benchmarked. These brands were segmented into disruptor, agile and traditional brands – see infographic below for definitions.

So which type of brand within the market segments outlined best meets customer needs along the customer journey? Within the ‘Consider’ and ‘Act’ phases of our Digital Sales Effectiveness benchmark, we looked at each stage of the online customer journey for the brands within each segment. The topline results are displayed in the infographic.

  • When it comes to first impressions on a homepage, ‘Traditional’ brands had the most stable score across all areas of the radar chart, mostly outperforming agile and disruptor brands
  • Disruptor brands were found not to be doing well in terms of trust
  • Clear gap for ‘agiles’ in relation to “I would be likely to use this website” on the first impression of the website

It is clear from our research that trust needs to be built, in particular at the application form stage for the ‘disruptor’ brands with security and privacy not being communicated well at the application form stage.

It appears that while disruptor brands are potentially doing well to shake up the market, their website experiences are perhaps a bit too formulaic and are trying too hard to be different and advanced.

“It appears all marketing hype almost to the point of being bogus. At no time did I feel that the [health insurance] website was providing ‘me’ with a service. It was more focused on boxing me into its fixed formatted process.” – research participant

“The experience with the sample website was not ideal, although quite typical of modern websites.” – research participant

As a result, agile and traditional brands are generally providing a stronger online customer experience – although they each hold their own sets of weak spots that could do with some improvement.

What is the right balance for evolving without losing touch with the traditional aspects that bring a sense of trust with it? Contact us to find out where your website fits and how you can strike that balance in order to deliver the best online experience for your customers.

Health Insurance

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