Moreover, the Internet is gradually turning from a place of concentration of information about everything into a professional trading platform. Today, having an electronic device and Internet access, anyone can buy almost any goods online, being anywhere in the world.
According to expert estimates, the share of e-commerce in Ukraine today is about 3% of the entire retail market, while in European markets this figure reaches 10-15%. Therefore, this market will continue to grow in the future. This is also evidenced by the results for 2016: the e-commerce market in Ukraine began to grow for the first time in two years. According to the latest research data, it amounted to about UAH 39 billion, and the average check when buying online increased to UAH 885. An important role in this process is played by the growth in the number of online buyers.
According to the Factum Group research, every second person in Ukraine has access to the World Wide Web, which means that more than 20 million people are potential online buyers. And if recently online stores of electronics, clothing, and food prevailed on the Internet, then gradually this market is being replenished with markets and services from more conservative areas, for example, financial.
One of the trends in the field of online financial services is the development of specialized independent markets and services that make it possible to choose a financial product online from several companies at once. For example, in the insurance sector, several similar online stores are represented on the Ukrainian market. They have a number of advantages that allow users to significantly simplify the purchase process.
So, for example:
● All insurance offers are concentrated in one place. In such a market, you can insure almost everything: from a car to life and health.
● This significantly saves time. Often, the user enters minimal data on the site, and the program calculates tariffs for all insurance companies for any of the products. All this takes no more than 10 minutes, which allows you to avoid trips to insurance company offices, communication with managers, and listening to “useful information” from call centers.
● Reducing the price of an insurance policy by 10-20%. Due to the optimization of the registration process, this allows you to reduce the price of the policy.
● Confidence in the authenticity of such a product. Usually, online markets and services work with trusted insurance companies that have proven themselves well in the market and are solvent, that is, there will be no problems with them in settling disputes and paying compensation.
● Convenient payment option. The user is always given a choice of payment either in cash upon courier delivery, or by non-cash payment using a payment service in the online store.
It is worth noting that gradually paper policies in Ukraine are being replaced by electronic ones, which do not require physical involvement in the purchase process. Already today, you can purchase an insurance policy for those traveling abroad in electronic form. The user receives the policy itself by e-mail. At the same time, it is not at all necessary to print it and put a signature. An electronic policy is considered a full analogue of a paper document, which has the same legal force. And very soon, car owners will also have the opportunity to use MTPL policies in electronic form.
Separately, it is worth noting that many of these online insurance services have a simple design and are intuitive. For example, the online insurance service
Finscanner.com is quite easy to use.
On the start page, the user can immediately select the service they need, as well as familiarize themselves with the list of presented insurance companies.
Processing a purchase takes no more than 7 minutes, and all personal data of users is fully protected. You can issue a policy at any time of the day, and if additional questions arise during the process, you can always contact Finscanner Assistance, which works 24/7. In addition, the online service provides access to its own rating system for insurance companies, which is based on user reviews. They evaluate insurance companies by the speed and adequacy of payments, as well as their service during the administration of an insured event, relying solely on personal experience.
The innovative method of selling insurance policies is becoming more and more popular, and its main advantages are obvious: minimum time spent, the possibility of choice, and a reduced price. In addition, the emerging trend of further growth in Internet use and online shopping makes such services even more attractive and interesting in everyday use.
