Presentatie TU Delft (Delft Data Science) 19 juni 2014

THE INSURANCE BUSINESS IN TRANSITION

http://www.google.nl/url?sa=i&rct=j&q=&esrc=s&frm=1&source=images&cd=&cad=rja&uact=8&docid=msjl1qYAPsTm2M&tbnid=ogmSHTyaqfukdM:&ved=0CAUQjRw&url=http://www.permanentculturenow.com/introduction-to-transition/&ei=0-WhU-jNMev74QTo64DADA&bvm=bv.69137298,d.ZGU&psig=AFQjCNHIQZ8GWMzUKBjGGIEzI_5Wt1QJSQ&ust=1403205438901946

“ Continuous change is the only

constant factor in our society”

Specialismen:

- Trendwatching- Strategic marketing- Business development and innovation- Omni-channel distribution- Customer Centric en customer journey's- New (disruptive) business models (Business Model Generation)- Blue Ocean Strategy

Agenda

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1. Changing eras and the obviousness

2. Drivers for change

3. Best practises

4. Examples

# DDSbigdata

@RobertWitteveen

We do not live in an era of change,

but we are changing the eras

The end of the obviousness

5

http://kiss2.nl/wp-content/uploads/2013/08/hyves.jpg

The new obviousness

6

Divers for change: - Internet of things- Quantified self- Humanoid robotics- Data analytics

Data will change the business models:- Data represents value- Sharing data- Privacy re-invented

http://www.google.nl/url?sa=i&rct=j&q=&esrc=s&frm=1&source=images&cd=&cad=rja&uact=8&docid=ZhPU29OGOhZaWM&tbnid=NvBJVL7b1XAVDM:&ved=0CAUQjRw&url=http://www.continuityprograms.com/2013/07/database-marketing-long-term-strategy/&ei=_QqgU5FHxrU7iZ6AeA&bvm=bv.68911936,d.ZWU&psig=AFQjCNFCgScm3jApXsp5ithnC5mHDBR62A&ust=1403083882221917

http://www.google.nl/url?sa=i&rct=j&q=&esrc=s&frm=1&source=images&cd=&cad=rja&uact=8&docid=V-5HYaw7xv97SM&tbnid=-ziRKbwkkHdHQM:&ved=0CAUQjRw&url=http://www.write-matters.com/?p=26&ei=0w2gU76HBoKrPMn4gOAI&bvm=bv.68911936,d.ZWU&psig=AFQjCNF6CW5AwGywOosDLiQqJgkg3Ui1YA&ust=1403084558047604

Best practise and bad examples

9

Bad examples:

– Equens (2013)

• Selling 2.2 billon bank transactions

– ING (2014)

• Selling bank transactions for specific

customer offers

Best practise and bad examples

10

Best practise:

– Santam (South Africa)

• Predictive analitics for streamlining process

• Signaling fraud

– Progressive (US)

• Pay as you drive

• Pay how you drive

• Real time price models

– SNS Bank (Netherlands)

• Predictive analitics on payment accounts

• In combination with public data (Funda)

+

Example (I): burglary prevention

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• All insurance company’s

• Internal burglary data

• CVS

• …

• Weather

• Traffic

• Events

• …

Prevention:

- Targeted police attention

- Better resources

Results:

- Less police deployment

- Less social agitation

- Lower insurance premium

- Lower insurance payment

http://www.google.nl/url?sa=i&rct=j&q=&esrc=s&frm=1&source=images&cd=&cad=rja&uact=8&docid=dts_OCY-DhlgxM&tbnid=Gmje9yy091cefM:&ved=0CAUQjRw&url=http://www.dezaanonline.nl/zaandam/inbreker-aangehouden/&ei=b0qhU7WoEOu8ygPd94HYCA&bvm=bv.69137298,d.d2k&psig=AFQjCNEx-T1tVbFg3kgp2-u2fdYLDWbP4Q&ust=1403165670509379

http://www.levende-stad.nl/Bijeenkomsten/161739.aspx?t=Open Data (verplaatst van 14-11-2012 naar 24-01-2013)

http://www.google.nl/url?sa=i&rct=j&q=&esrc=s&frm=1&source=images&cd=&cad=rja&uact=8&docid=tVkK13hTUWmXtM&tbnid=zAQyThqLQFylnM:&ved=0CAUQjRw&url=http://www.klimaatgek.nl/archief 2010.html&ei=AEuhU76rM4jNygP0hIB4&bvm=bv.69137298,d.d2k&psig=AFQjCNFUZholRTJYOaD8HRGTdEMWzq_CMA&ust=1403165816708095

http://www.google.nl/url?sa=i&rct=j&q=&esrc=s&frm=1&source=images&cd=&cad=rja&uact=8&docid=gMbyQR2uO8FV6M&tbnid=3pqnuLLSRCGO0M:&ved=0CAUQjRw&url=http://diensten-vakmensen.marktplaats.nl/cas/diensten-en-vakmensen/alarminstallateurs-en-beveiliging/1000235745-inbraak-preventie-en-advies-deur-en-raam-beveiliging.html&ei=6kuhU6XBMKH8ygOcxICgDw&bvm=bv.69137298,d.d2k&psig=AFQjCNG8cSzj9mFKVYs0-0uXEfkmmTb7qg&ust=1403165978508041

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Example (II): climate change

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• All insurance company’s

• Internal overflow data

• CVS

• …

• Forecast KNMI

• Weather

• Infrastructure

• …

Prevention:

- Better gutters

- Better drainage

- …

Results:

- Less water damage

- Better human feeling

- Lower insurance premium

- Lower insurance payment

http://www.google.nl/url?sa=i&rct=j&q=&esrc=s&frm=1&source=images&cd=&cad=rja&uact=8&docid=dkPUyOXa-5O9wM&tbnid=2PARXney52BYfM:&ved=0CAUQjRw&url=http://www.weerstation-schinnen.nl/WSS_gr_15daags_Z-O.php&ei=y1OhU_KdGIeYO4CSgLgO&bvm=bv.69137298,d.d2k&psig=AFQjCNFhcFvhB5jsZ6zRy4fyjJ_IDgt99A&ust=1403167965565233

http://www.google.nl/url?sa=i&rct=j&q=&esrc=s&frm=1&source=images&cd=&cad=rja&uact=8&docid=BThsjfXek6IOyM&tbnid=LtVPlzB-mlfKaM:&ved=0CAUQjRw&url=http://www.faqt.nl/recent/opwarming-aarde-minder-erg/&ei=1FShU8mQH4fUOOa3gbAO&bvm=bv.69137298,d.d2k&psig=AFQjCNFXAQ3Hih5Z75uUy0qv89c0aNl3kg&ust=1403168220360936

http://www.google.nl/url?sa=i&rct=j&q=&esrc=s&frm=1&source=images&cd=&cad=rja&uact=8&docid=5tf2dzf47XjLIM&tbnid=57MvYqqEcQASVM:&ved=0CAUQjRw&url=http://www.doorneweerd.nl/verzekeringen/waterschade-overstromingsschade-onvoorzien&ei=zomhU4mGG6iA4gSu3IGwBA&bvm=bv.69137298,d.d2k&psig=AFQjCNEKsAVtF9fVdlgEGWOrMQU5CLMdVw&ust=1403181827927842

http://www.google.nl/url?sa=i&rct=j&q=&esrc=s&frm=1&source=images&cd=&cad=rja&uact=8&docid=bMegEkEz9bZ5UM&tbnid=JY0BoPq1RPObaM:&ved=0CAUQjRw&url=http://dakgoten.com/materialen/zinken-dakgoten/&ei=34yhU6rbHYKi4gSnooDQAQ&bvm=bv.69137298,d.bGE&psig=AFQjCNFxHcJB100Mj_vn82S5XD14OmH8eA&ust=1403182663336023

THXS!

@RobertWitteveen

nl.linkedin.com/in/robert01/

robert.witteveen@reaal.nl

robert.witteveen1@gmail.com

+31 – 622 41 9579

http://nl.linkedin.com/in/robert01/

mailto:Robert.Witteveen@reaal.nl

mailto:Robert.witteveen1@gmail.com

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