Invention of the       «CDH2»   developed for the  European amicable  accident statement                 ITS PURPOSIVENESS...
Summary  250 000 European drivers already  received the CDH21 VISION  p.3     The lettering guide “CDH2”: a drawing ruler ...
The lettering guide “CDH2”:a drawing ruler for the amicable accident statement
How to increase the customer’s satisfaction while reducing  the cost of the losses?Best - of - breed stakes for the IARD I...
Why using the CDH2?                                                                                                       ...
Award Brussels Eureka Show 2004Brussels-Eureka, general show open to the public, gathers more than 500 participants from 3...
The project innovation in the insurances field                                                                            ...
Using the amicable accident statement properly                                                                            ...
An attempt to define the stress                                                                                           ...
The accident draft at the time of the impact (section 13)                                                                 ...
Reinforcing in the time one’s presence and one’s awareness  for the drivers                                               ...
Estimation of the interest of individuals for the Cardrawhelp rulerRegarding the diffusion of this ruler, Mathieu Chevilla...
“Conception test : estimation of the interest of the individuals  for the “Cardrawhelp CDH2”Imagine that this ruler is off...
“Consumption test : estimation of the interest of the individuals for the “Cardrawhelp CDH2”Pragmatism and delay insurer :...
Distributor                                                        Here                                         your logo,...
In times of recession, don’t turn your back on investments…     Innovate, adjust a difference to customers’ satisfaction a...
Upcoming SlideShare
Loading in …5
×

Plaquette de présentation CDH2

447 views
394 views

Published on

Published in: Business, Economy & Finance
0 Comments
0 Likes
Statistics
Notes
  • Be the first to comment

  • Be the first to like this

No Downloads
Views
Total views
447
On SlideShare
0
From Embeds
0
Number of Embeds
1
Actions
Shares
0
Downloads
2
Comments
0
Likes
0
Embeds 0
No embeds

No notes for slide

Plaquette de présentation CDH2

  1. 1. Invention of the «CDH2» developed for the European amicable accident statement ITS PURPOSIVENESS: For the insurers: Increase the customer’s satisfaction while reducing the cost of the losses For the insured:Your insurer will help you more easily to claim for your rights and to defend yourself more efficiently www.cdh2.fr/demo.html 2009-2010 Mathieu CHEVILLARD
  2. 2. Summary 250 000 European drivers already received the CDH21 VISION p.3 The lettering guide “CDH2”: a drawing ruler for the amicable accident statement2 STAKE p.4 How to increase the customer’s satisfaction while reducing the cost of the losses p.5 Why using a lettering guide “CDH2” ? p.6 Eureka show award in Brussels 2004 p.7 The “ innovation product” in the insurance sector3 APPROACH p.8 Using the amicable accident statement in a good way p.9 An attempt to define stress p.10 The accident draft at the time of the collision (section 13) p.11 Building up in time a presence and an awareness with the drivers4 FIELD p.12 Estimation of the interest of individuals for the Cardrawhelp “CDH2” (2241 individuals) p.13 “Consumption test”: estimation of the interest of the Cardrawhelp “CDH2” p.14 “Consumption test”: estimation of the interest of the Cardrawhelp “CDH2” p.15 Distributor
  3. 3. The lettering guide “CDH2”:a drawing ruler for the amicable accident statement
  4. 4. How to increase the customer’s satisfaction while reducing the cost of the losses?Best - of - breed stakes for the IARD Insurers “car material loss” indemnification processes. The “CDH2” brings indirect profits, like helping peopleAssuring more efficient and diversified tariffs : the re- to fill the statement on the telephone available withduction of the final tariffs applied by the insurers di- certain insurers.rectly results from the cost control of the losses and Simplification of the procedures and shortening ofcontributes to the commercial competitiveness, as the delays in the loss estimations: the insurer mustit is commonly assumed that the losses are the main make sure that the quality of the service is the maincomponent of the car insurance premium. asset of his fidelisation policy of his customers. For that target, the use of the “CDH2” will help you:As a vital process for the “ casualty insurers “ the ma-nagement of the losses must pioneer today, respon- • to accelerate the payment delay by the employees inding to two major stakes. charge thanks to a precise and synthetic information • To interpret more easily and precisely the draftsDOn the one hand, the one related to the cost control having a centre lineof the car insurance contracts sold : the performances • to handle more amicable accident statementsof the losses management is a determining factor in whose draft (section 13) will be in correlation withthe tariff competitiveness of the insurers. the ticked boxesAll the efforts made in the commercial and marketing • to improve the drivers’ satisfaction by solving theirfields will be useless if that basic postulate of the pro- problem more rapidlyfession is not respected. • to allow the driver to be efficiently defended by his insurerOn the other hand, the insurance companies must • To recall the important steps when filling theadapt, by innovating, to the control of the service ren- micable accident statement and the traps to avoid,dered to the drivers. By the quality of the proposed when distributing the “CDH2” through the networkbenefit, or by action of fidelisation, the loss is a deci-sive moment in the relationship “insurer-insured and The companies have an interest to look for a quan-/or partner”. It is effectively at that precise moment titative ROI (return on investment) and the qualita-that the insured may value his insurer’s efficiency. In tive ROI because both of them mutually reinforcefact, the poor management of a loss remains one of themselves. The financial stake is obvious : a compa-the main causes of cancellation by the customers. ny that makes a 1% gain on the expense of the lossesIn this view, it becomes essential to innovate in order make a 15% profit on the money affected to the in-to reduce the cost an increase the efficiency of that demnification; The productivity effort pays back.process, in making the commited actors (employees, The qualitative stake is more likely, through the cus-distribution network) more efficient, in increasing tomers’ satisfaction , to reinforce the fidelisationthe insured and/or partners’ satisfaction. and to facilitate the winover of other subscribers. (l’expansion/July-August 2005/ (n°699)The rapidity of a loss payment is vital. Hence, the inte-grated management with the “CDH2” has for purposea time gain, an improvement in the efficiency of the 4 The 2007 consumption test proves a real utility of the ruler : the CDH2 corresponds to a customers’need (www.cdh2.fr/consumption.pdf)
  5. 5. Why using the CDH2? The CDH2 is a product that brings a technical solution to a given technical problem (to deal with the indemnification of a car loss more quickly. The Cardrawhelp is “a drawing ruler” lettering guide specifically dedicated to the amicable accident statement, that allows the user to check the exactitude of his draft on the amicable accident statement.Lettering guide Why are the symbols and draft organised in areas?MN XXth century composed of the two words lette- The area organisation allows an even faster use ofring and guide. Technically, it’s a flat ruler partially the CDH2, in the way that the symbols and the draftgrooved, allowing to trace in a regular manner the are grouped in increasing themes with figures andletters of the alphabet, the figures and a few usual notes in correlation with the amicable accident sta-symbols. tement and in associated themes (vehicles and road signs).The lettering guide CDH2 gathers all the functionsthat you need to draw the vehicles, their direction The upper area is reserved for the company logowith precision, the drawing of the ways, the centre and the writing of the assistance number.lines, the elements such as the signs, the trafficlights, the white lines and the impact point. Once the CDH2 correctly placed, one has to draw the ground marking according to the boxes tickedThe CDH2 has been additionally specially conceived section 12 (number present on the CDH2), to indi-to allow you to draw the accident draft according cate the direction of the vehicles, the impact pointto the space reserved on the amicable accident and at last the road signs and all the other necessarystatement. It’s the indispensable tool for filling the elements to explain the accident.amicable accident statement during a stress period.Made of half transparent flexible plastic in the A5 Consequence: the user saves a precious time, heformat under blister, this lettering guide is available feels more self-confident, and can’t forget to tickin several languages. the CIRCUMSTANCES section 12 boxes. - Recalling the question Did you ever have to fill an amicable accident statement in the occurence of a car accident ? (If yes) have you met any difficulties in filling the amicable accident statement ? - 50% of the individuals have already been confronted to the filling of an amicable accident statement Eventual difficulties encountered...… 55% of the individuals (having filled the accident statement) have met difficulties in filling the statement 34 % of the individuals had difficulties to sketch the draft (which reprensents 60% of the difficulties) 5
  6. 6. Award Brussels Eureka Show 2004Brussels-Eureka, general show open to the public, gathers more than 500 participants from 30different nations and introducing up to 600 innovations, patented an new invention in all the fields.More concretely Brussels Eureka is made for the inventors, creative companies and best specialistsin research. CDH2 (golden award Brussels Eureka), 53 rd world show in innovation, research and new echnologies, from the 16th to 21st November 2004, Brussels Expo palace 1. 6 The 2007 consumption test proves a real utility of the ruler : the CDH2 corresponds to a customers’need (www.cdh2.fr/consumption.pdf)
  7. 7. The project innovation in the insurances field It is so that the great inventions were born: by the unexpected contact of two products standing by mere chance side by side, on a laboratory table (Jean Echenoz). Innovation is a competitive weapon for the insurance and its management may bring many practical difficulties when it comes to imagine future scenarii between the different services : marketing, communication and indemnification.The product innovation, resulting from both creating imagination and concrete achievement, is one of themain means to acquire a competitive advantage by answering the market needs and the consumers’ expec-tations. Recalling the question According to you, this idea concept seems to you ... … Notice : an explanation with a viewing of the drawing has been shown to the respondents 94% of the individuals find the concept idea interesting, even very interesting = very good reception of the rulerThe organising innovation shows the development The car insurance is a very competitive product thator the adoption of a new work organisation , as it stands out by the relevance of the offer and its price.is here with the use of the CDH2 in the estimation Today, thanks to Internet, the customer knows howprocess of the losses ; it is related to a new process to measure, in an objective way, all the advantagesin the way that it contributes to modify the mana- given by a car insurance contract relative to its pricegement method of losses (material) and /or of dis- paid for it.tribution (premium, gift when subscribing a car in-surance). All the insurers have a priority for the innovation and the fast estimation of car material losses. Grou-The innovation approach with the CDH2 consists in pama Loire Bretagne proved it by ordering a globalgiving anyone the means of a better understanding amount of 200000 CDH2 between 2007 and 2010.of the amicable accident statement, and will po- For Groupama, the target is to propose an adap-tentially imply the ~ 20.000 account executives for ted answer to each moment of its car driver custo-losses in France, the agents and/or the insurance mers’lifebrokers who will therefore become themselves theactors of the change towards a faster estimation of Thereby, this pioneer region reinforces its positio-the indemnifications. ning as a provider of services that make its custo- mers’ every day life easier.The 2007 consumption test proves a real utility of the ruler : the CDH2 corresponds to a customers’need (www.cdh2.fr/consumption.pdf) 7
  8. 8. Using the amicable accident statement properly Even minor, an accident is always traumatic. To avoid any additional troubles or bad surprises, a well filled amicable accident statement means that the payment of the car loss will be faster and more efficient. This accident statement is identical in all European Countries and written in the language of each country. The CDH2 has been translated into various languages of the european union. THE TRAPS TO AVOID Beware, the draft must not be in contradiction with the ticked cases (section 12 “circumstances”) (Google results on an average total of 1180 pages for tracks to avoid in order to fill well an amicable accident statement)Following an accident, panic and rush can push you to commit certain mistakes, sometimes non reversible ones AMICABLE ACCIDENT STATEMENT TRAINING (Google results on an average total of 15600 pages for “amicable accident statement” training) AMICABLE ACCIDENT STATEMENT SOFTWARE (USB KEY) Trainer software European Amicable accident statement www.develter.com HOW TO DRAW UP AN AMICABLE ACCIDENT STATEMENT (Google results on an average total of 6060 pages for how to draw up an amicable accident statement HOW TO MANAGE A FLEET INSURANCE Recalling the question Let’s talk about the first time you filled an amicable accident statement Before the accident, did you know how to fill an amicable accident statement ? - 73 % of the individuals knew how to fill the accident statement when they needed to do so = learning assentially done through other people or by themselves - 27 % discovered the accident statement on the premises8
  9. 9. An attempt to define the stress If you already had an accident, remember, were you stressed when filling the amicable accident statement ? There is some stress every time that someone is solicited by the environment and has to adapt : the physical symptoms of the stress will affect in an important way your mental performance and your psychological balance.Manifestation of the stress (Internet source) When we are in a situation of emergency, our bodyFacing this type of aggression, the body will ac- mobilises itself intensively in order to be capable totivate an counter-reaction in order to come back face it adequately. It is the adrenaline secretion thatto the broken balance, hence a complete serie of allows to make instantly available the resources ofpsychological reactions : headaches and migraines our body. In increases the acuity of our senses and; irregular breathing ; palpitations ; nervosity and of our perceptions, the rapidity of our reflexes andimpatience, sweats; cold hands and feet ; tremors; the strength of our muscles. (Internet source)vertigos... The clearest example of that emergency situation,The causes of the stress are diverse… The psychic it’s the situation in which you are about to have apressure necessary to generate the stress is a psy- road accident, due to a dangerous situation occur-cho-physiological reaction in front of an emergen- ring all of a sudd.cy. Three types of causes can bring this emergencyreaction : It’s not obvious to draw a draft, even less in the si- tuations of stress caused by the accident. 1. The rapid changes (positive or negative) 2. The threats or the dangers that we meet (http://www.groupama.fr/file/gfr0paragraph/prev-constat.pdf) (objectively founded or not) 3. Our impression (justified or not) to have to react quickly to the situation Recalling the question - Filling the amicable accident statement implies the performance of a draft of the accident - Do you think that the drivers totally have the capacity to easily perform the drawing ? 43 % of the individuals 53 % of the individuals think that the drivers haven’t got think that the drivers have got the full capacity, in order to easily the full capacity, in order to perform the drawing of the easily perform the drawing of accident at the time of filling the the accident at the time of filling accident statement the accident statementThe 2007 consumption test proves a real utility of the ruler : the CDH2 corresponds to a customers’need (www.cdh2.fr/consumption.pdf) 9
  10. 10. The accident draft at the time of the impact (section 13) Knowing how to perform a detailed, precise and neat draft is essential for a fast payment. A good draft brings the proof of the understanding of the accident circumstances by the losses account executives. The CDH2 follows the new amicable accident statement evolution published in 2002 that gives a more important space for the drawing in comparison to the former amicable accident statement published in 1970.It’s the most well-known part, probably also the ACCIDENT DRAFT SECTION 13most difficult, the space reserved to the draft thatallows to synthesise the mechanism of the acci- The point is to show the vehicles position at thedent. very moment of the impact, their traffic direction, the signs on the ground and in a vertical way (trafficINTERNET INFORMATION SECTION 13 lights, road signs…), the street names. It’s not obvious to draw a draft, even less in theOn the draft, indicate among other things the street stress situation caused by the accident.names, the vehicles direction the ways drawing, the (http://www.groupama.fr/file/gfr0paragraph/prev-constat.pdf)centre lines, elements such as the signs, the trafficlights, the white lines... More generally, you must report on it everythingIn the section 10, clearly indicate the initial impact that could have an influence on the occurrence ofpoint and not the damaged parts. the accident, including the eventual obstacles or(http://www.assurancemutuelle.com/sections/...) the parked vehicles or the running ones, even if they haven’t being implied.Any accident, even a light one, generates stress.Right now, take the time to quickly look closely at Centre line : the location of the vehicles accordingan amicable accident statement formula, at home to the centre line of the causeway is fundamentalfor instance. Ask your insurance company if some for the determination of the responsibilities in theheadings remain obscure (http://www.maif.fr/...). frontal accident. Therefore, you must draw the centre line on the draft with a dotted line. If thereIndicate anything that could help: materialise the is a stack of parked vehicles, the centre line is thenpriorities, the signs, the traffic lights, the obstacles located in the middle of the available remaining partor the other vehicles, in a standing position or in mo- of the causeway.vement, even if they haven’t been directly implied.Tick the eventual witnesses with a cross. The cars In the event of a frontal accident, you must not onlyposition according to the centre line of the road is be satisfied with a good draft. If your opposing par-mostly important. Point out this line with a dotted ty overtook the centre line, he must tick the box 15line, and try to indicate the distances going from the of the accident statement “toed the line on the partside of each vehicle to the pavement and the centre of the causeway kept for the counter-flow traffic”.line. If he doesn’t do it, mention in your “observations”(http://www.zerotracas.com/prevention_routiere/le_ section that you were running on the right side ofconstat_amiable_183.html) the causeway. (http://www.automobileclub.org/site/juridique/assuran-Indicate the street names, the traffic direction of the ce_accident/index_constat_amiable.php)vehicles and their position at the time of the impact,the signs, etc. Mention the collision point on thecauseway with a cross in order to avoid any dispute(http://www.maif.fr/...).10 The 2007 consumption test proves a real utility of the ruler : the CDH2 corresponds to a customers’need (www.cdh2.fr/consumption.pdf)
  11. 11. Reinforcing in the time one’s presence and one’s awareness for the drivers The insurance companies have therefore to evaluate, innovate, in order to be in a position of competitivity. The implication and the participation of the employees, agencies and/or brokers in the process is a key actor of success. The insurers know that the car insurance is the access way to their clients. The British insurers have a funny formula :“the insurer enters in his client’s home through the garage door”.Does the attractivity of a car insurance uniquely rely on its tariff competitivity ? If previously a simple tariff wasenough for signing a car insurance contract, today’s drivers can compare the prices on line, from home, with aprice comparator and they analyse the associated services (assistance, etc…).Today in 2010, they need a short message on a useful and durable medium like the CDH2 on which will be affixedthe hotline number and eventually the number of the service “helping filling the amicable accident statementon the telephone”.From now on, one must rely on ONE advertising item, reliable and anchored in the daily life of the drivers, pre-sent in their glove-box, rapidly accessible : a CDH2, easy to use and that helps him with the draft and the boxesof the amicable accident statement.The ROI (return on investment) of the CDH2 can be calculated on several years, effectively, according to a tes-ting on Internet, answering the question : for how long have you been with the same insurer for your car ?, onecan clearly see that the contact goes on for quite a lot of years, 60% of the respondents to the testing are withthe same insurer for more than 10 years. ( http://www.journaldunet.com/argent/questionnaire/fiche/4345/1/d/f/) To conclude, the CDH2 will allow you to enrich your insurance benefit with a valuable mix of customers services : on the subscription (premium for the customer, business gift for the distribution network), on the accident day (help for the draft, accessibility of the hotline number) and last a clearer and faster reading of the amicable accident statement by the loss account executive when he will have to announce his insured and/or partner the responsibility sharing between A and B.The 2007 consumption test proves a real utility of the ruler : the CDH2 corresponds to a customers’need (www.cdh2.fr/consumption.pdf) 11
  12. 12. Estimation of the interest of individuals for the Cardrawhelp rulerRegarding the diffusion of this ruler, Mathieu Chevillard promoted the performance of a study among indi-viduals, in order to appreciate the interest and the use intentions of the Cardrawhelp. [50] [48] [15] [52] [35] / Age / Job [1] [12] [3] [17] [8] [12] [18] [16] [18] [14] [14] [35] [21] [ ] Répartition Population Française, Insee 2006 94% of the individuals find the concept idea interesting, even very Interest for the ruler concept interesting (for half of them) - = very good reception of the principle of the Cardrawhelp ruler 76% improves the quality of drawings -75% allows a very clear vizualation of the accident -74 % is easy to understand Estimation upon of a list of items 73% makes the filling of the amicable accident statement easier -73% is useful -71% is easy to use = positive estimation of the ruler Global estimation Average note:: 6.3 / 10 91% of the individuals could consider using the ruler Use intentions = = very high use intentions Related price Strong difficulties to estimate the price of the Cardrawhelp ruler12 The 2007 consumption test proves a real utility of the ruler : the CDH2 corresponds to a customers’need (www.cdh2.fr/consumption.pdf)
  13. 13. “Conception test : estimation of the interest of the individuals for the “Cardrawhelp CDH2”Imagine that this ruler is offered to you by your insurer. For each of these statements, you’re going to indi-cate in which measure you agree or not:The individuals point out before all the improvement of the drawing quality and the very clear visualization. - Recalling the question - Here is a list of statements about the Cardrawhelp ruler - You will indicate for each of them how much you agree or not. - Positive estimation of the ruler - The individuals point out before all the improvement of the drawing quality and the very clear visualization of the accident - Notice : around 20% of the individuals show no interest for the ruler : namely the youngest (under 25), less aware of the filling of the amicable accident statement , men and individuals who never filled an accident statement % don’t agree % rather agree/completly agree (76) (4) (75) (4) (74) (3) (73) (4) (73) (4) (71) (6) No opinionThe 2007 consumption test proves a real utility of the ruler : the CDH2 corresponds to a customers’need (www.cdh2.fr/consumption.pdf) 13
  14. 14. “Consumption test : estimation of the interest of the individuals for the “Cardrawhelp CDH2”Pragmatism and delay insurer : here is a principle of continuous improvement for the insurers, based onthe customer’s listening.Recalling the questionImagine that this ruler in offered to you by your insurer.For each of these statements, you’re going to indicate in which measure you agree or not: Recalling the question - Imagine that this ruler is offered by your insurance broker (or company) - For each of these statements, you’re going to indicate in what extent you agree or not In the opportuity of a gift made by insurance brokers, given image very positive... 74% cares about his customers 73% informs his customers better and better 70% is close to his customers - Notice : approximatly 20-25% of the individuals don’t show any interest for the ruler : thes are the youngest (under 25) less aware of the filling of the amicable accident statement, men and individuals having never filled an accident statement . % don’t agree % rather +completely agree (74) (4) (73) (4) (70) (5) No opinion 3214 The 2007 consumption test proves a real utility of the ruler : the CDH2 corresponds to a customers’need (www.cdh2.fr/consumption.pdf)
  15. 15. Distributor Here your logo, slogan, the name of your company, address and coordinateThe 2007 consumption test proves a real utility of the ruler : the CDH2 corresponds to a customers’need (www.cdh2.fr/consumption.pdf) 15
  16. 16. In times of recession, don’t turn your back on investments… Innovate, adjust a difference to customers’ satisfaction and costs reduction. INVENTOR FRANCE 17 avenue d’Argenteuil 92600 Asnières sur seine FRANCE http://www.cdh2.fr Phone : 00 33 (0)1.83.55.35.04 Fax : 00 33 (0)1.48.66.64.66 Cell phone : 00 33 (0)6.20.54.08.89 E-mail : info@cdh2.fr © Inventor : Mathieu CHEVILLARD info@cdh2.fr- 2007 consumption test : www.cdh2.fr/consumption.pdf

×