Colonnade
UX & UI design for the first Ukrainian online CASKO
The digitalization of insurance companies is a challenging task. We are happy to share the process and results of the first online CASCO in Ukraine — now, anyone can order it online in 2 minutes.
Background
«At the time of launch, there were only several online insurance products on the Ukrainian market. But in our opinion, none was convenient for users.
Online CASCO did not exist at all. The maximum you could get was to receive a price list on Viber. So we wanted to create something revolutionary for the insurance market.»
Anton Zotov / UX Head / Once Agency
Task
To create a UX/UI design for the CASCO online insurance and a landing page
What’s more challenging, the landing page had to work as a constructor to be easily adapted to any of the following online products of Colonnade.
Stage 1.
Audience Research
We started with a study of car owners’ behavior.
Here are the main conclusions from qualitative research:
01
Customers don’t know what risks their insurance covers or exemptions are included in the contract. In addition, they don’t understand the difference between voluntary CASCO and obligatory Motor third-party liability insurances.
02
There is a stereotype that all insurance companies try to cheat and avoid paying the promised.
03
Insurance is associated with many hassles: different policies in every company, unclear contracts, hidden exceptions, bureaucracy, and numerous negotiations with the manager.
04
CASCO is almost a luxury product. It is costly for the family budget.
Stage 2.
The website for online products
The main task of the landing page is to explain everything about the product simply and clearly.
Let’s take a look through the main blocks:
1/7
The header
Here you can quickly switch between different online products of Colonnade:
— Обрати колір фону —
2/7
Calculate the cost of CASCO in a second
Right on the first screen, you can enter the car number and calculate the cost of a CASCO in a second.
Users are used to this while ordering Motor third-party liability insurance, so we’ve created a similar experience for this new product:
3/7
Reasons to work with Colonnade
Colonnade is a new company in the B2C market, so we briefly presented the main RTBs on the second block.
4/7
There are only 3 options for CASCO. They all are clearly described and easy to compare.
Customers are used to such comparisons in online banking. We’ve honestly indicated the insurance coverage, exceptions, deductibles, and important points. Not a single item is hidden in the footnotes.
5/7
Fully online insurance
We focused on the benefits important for every user — now they don’t need to cope with the insurance company in offices. Everything goes digital!
No offices
Who the hell wants to attend the insurance office in 2021? We quickly solve all your questions online or by phone
No paperwork
All contracts are signed online. If you still need a paper copy, we will deliver it by courier
No calls
We don’t have a separate sales department, so we won’t bother you with “Are you comfortable talking now? And now?»
No questionnaires
We use Open Data and automatically pull up most of the information required for the contract. So you don’t have to fill in lots of questionnaires
6/7
You can add our CASCO policy to your Apple or Google Wallet. Does any other insurance company have this?
No need to worry about paperwork and email docks:
Policy in your smartphone
Quick access to the policy in Apple Wallet or Android Wallet. Enjoy it whenever you want
7/7
You can add our policy to your Apple or Google Wallet — no insurance company has one!
No need to worry about paperwork and email docks:
Stage 3.
UX for online CASCO registration
Some insurance companies claim that they also have an online CASCO.
SJ let’s compare it… with a real online CASCO by Colonnade
1/8
In a typical «online CASCO»
All data must be entered manually
Here — just enter the car number, all data will be pulled up automatically. You’ll also immediately see the price
There is only one case when you’ll need to manually enter the data — if your car number or VIN code is not included in the national database
In this case, we will offer you to click on the options we’ve created for you in advance. You still don’t need to write anything by hand:
Easy and intuitive package selection
2/8
In a typical «online CASCO»
There are numerous different packages, all of them are hard to compare
Easily compare and choose from three packages that cover different driver requests
Painless payment
3/8
In a typical «online CASCO»
It’s hard to say goodbye to a large amount and pay immediately for the whole year
The price doesn’t seem crazy when it is divided into four parts and paid quarterly
We’ll fill it out for you
4/8
In a typical «online CASCO»
You must enter your personal data manually
We are filling in the data automatically using BankID
You set the convenient time for car inspections
5/8
In a typical «online CASCO»
The insurance company sets the date of car inspection. You need to negotiate with the manager via Viber
You can immediately choose a convenient place and time for car inspection, and the insurance company will manage the rest
Deferred payment
7/8
In a typical «online CASCO»
You need to pay for immediately signing the contract
You can pay within 7 days after signing the contract
No calls, no papers, no attending the insurance office
8/8
In a typical «online CASCO»
After registering online, you need to contact the manager and confirm your actions (by phone or Viber)
Everything is processed online instantly. The data is stored in your profile
Take a look at our simple checkout process
Stage 4.
The revolutionary mobile version
Instead of adopting the interface to mobile format, we’ve created a separate mobile version that includes many convenient options for mobile users — it looks like online chat!
It gives you the impression of live communication with the insurance company. The client fills out the questionnaire step by step as if communicating with us in a chat. This is a revolutionary solution for the market, and no other insurance company has such a convenient mobile version of their products
Do you want to test our online insurance products?
Just click on one of the products. Write to us if you need a promo code for a discount from Once:)
