As it turns out, women are the most afraid of a fire in an apartment or house. Next in the ranking of women's fears are traffic accidents (road accidents), as well as illness and injury. Fewer fears among the female audience are associated with assault and mugging.
From Ingosstrakh’s experience it is known that women usually actively insure property (apartments, town and country houses). In particular, in Moscow the share of women who insure their property reaches 63%, in the regions - 57%. Another important service for women is overseas travel insurance (OTI). In Ingosstrakh portfolio, the proportion of women opening OTI programs online is more than 56%.
The share of female audience among the accident insurance policy holders is 53%. It is mostly women aged 35 to 45 years. As a rule, they insure not only themselves, but also other family members (husband, children, parents).
In the total amount of CNC policy holders, female segment is about 40%, Compulsory Third Party Car Insurance - about 30%. This is explained by the fact that traditionally there are more male car owners in the country. When signing a CNC policy, women prefer to include additional options, such as “technical assistance on the road” and “average commissioner call” to the traffic accident scene. However, in regard to loss according to Ingosstrakh statistics, women with driving experience of up to 9 years, married and with children, are more careful drivers than men with similar parameters. The loss ratio among this group of female audience is lower than that of the male one. Thus, this group of clients can count on more attractive conditions and tariffs on CNC insurance.
As the results of the study showed, women aged 25-45 mostly prefer to use online services for policy filling out and communicating with an insurance company. Out of all the alternatives: a personal contact with the manager in the office, telephone conversation, meeting with an agent at home, in the office or on neutral ground, the representatives of this group most often chose the option “Online communication”.
Photos are from open sources.