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Innovation is not about Ideas. It's about making them happen!

By Marin Roos, Chief Innovation Officer, Unigarant

Marin Roos, Chief Innovation Officer, Unigarant

Unigarant is a non-life insurance company and is a 100 percent subsidiary of ANWB. ANWB is the largest membership organisation in the Netherlands with 4.4 million members and known mostly for its roadside assistance, and its travel, insurance industry and recreation services. Our insurance focus lies on mobility, travel and recreation insurance products. We are marketleader in Connected Car insurance and in bicycle, moped and camper insurance. We also have a significant presencein car and travel insurance. Our GWP is 355 million euros, which makes us a midsize insurer in the Netherlands.

Actions speak louder than words

As Chief Innovation Officer I strongly believe in taking action rather than getting stuck in the endless cycle of talking, testing and more talking. Innovation is not about the idea, it is about making an idea happen and learning along the way.The mail goal of my job is to combine existing components to formulate propositions that stand out and are difficult for competitors to copy – mainly by adding ANWB services and products, which make our products unique in the market.

By following this approach we managed to successfully launch two new insurance concepts in the past two and a half years. And at this moment we are very close to adding a third concept to our portfolio.In 2016 we launched the ANWB Drive Safe Insurance, the first Pay How You Drive insurance in the Netherlands.

The second is the Keep on Cycling insurance, which combines traditional bike insurance elements with track-and-trace functionality that enables us to track down and recover stolen bicycles.

Stronger together

Another thing that I believe greatly enhances your capacity to innovate is the acceptance of the fact that you don’t need to invent and develop everything yourself. Often you can take something that has already been tried and tested in other markets and tweak it so you can introduce it to your own markets. The track-and-trace devices we use for our Keep on Cycling Insurance for example are developed by KPN, the Dutch Telecom company.

"Innovation is not about the idea, it is about making an idea happen and learning along the way"

By not developing everything yourself, you give yourself a competitive edge in both development costs and time: vital aspects when you want to be the first to market a new proposition and claim authority in that market. By aligning ourselves with KPN we did not need to worry about the technical aspects of the project, so we could focus fully on different aspects of the proposition.

ANWB Connected Insurances/ Drive Safe Insurance

Customers who choose the ANWB Drive Safe Insurance are rewarded for a safe driving style. The more safely you corner, brake and accelerate, the more discounts you receive, adding up to a maximum of 30 percent. That way you benefit not only your wallet but also traffic safety.

Keep on Cycling Insurance:

The Keep on Cycling Insurance keeps you cycling. If you have a breakdown, we come to help. To keep your bicycle in shape, you get a regular service check for your bicycle at a professional dealer. If your bicycle gets stolen, we’ll recover it. If you get hungry along the way, you get discounts at cafés to power up. And in the event your bicycle gets damaged or cannot be repaired, you are covered by an excellent insurance policy.

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