By attacking the car insurance market, Ornikar continues to democratize the mobility sector with the aim of creating a complete ecosystem of access to autonomy, serving people under 30.
A decade after having democratized access to driving licenses, Ornikar, the leading driving school in France with nearly 3 million students, is now attacking the car insurance market by offering an unprecedented and competitive offer, especially for young people. , by partnering with Wakam, a B2B2C insurance company.
With the launch of its auto insurance, Ornikar wants to disrupt a new market, by offering a particularly competitive and tailor-made product, to a poorly served target in this area: young drivers.
“Since the creation of Ornikar, our objective has been simple: to break the rents that still persist in the mobility sector, and this, in the service of young people and their emancipation. Today, we have already made the permit accessible to as many people as possible, with very reasonable costs” says Philippe Maso y Guell Rivet, CEO of Ornikar.
But if the first stage of emancipation goes through the permit… The second necessarily goes through auto insurance.
“Our offer is unique: we are in the best position to insure young drivers because we train them and, therefore, we know them very well and can thus insure them as well as possible. We adapt our offers and personalize our prices and our routes to their real situation, for which they are still very disadvantaged by traditional insurers”, he continues.
Finally, a fair offer for young people, which capitalizes, for the first time, on their training
Making mobility accessible is above all a subject of price and for 10 years, Ornikar has been breaking market prices thanks to strong savings levers (drastically reduced prices associated with a digital journey). Since its launch in 2013, the group has in fact set up a new license price standard by dividing it by two, thus forcing traditional driving schools to align themselves and therefore to review their economic model. The driving license at Ornikar is currently 400€ cheaper than at a traditional driving school.
Today, Ornikar intends to do the same on the car insurance market, where young drivers traditionally incur particularly high all-risk premiums, around 2,000 euros per year, an exorbitant amount in relation to their power to drive. ‘purchase. A price that insurers justify by the accidentology of novice drivers. In reality, this excessive pricing stems more from the lack of knowledge that traditional insurers have of the driving experience of young drivers.
On this subject, Ornikar enjoys a sizeable advantage: the knowledge of nearly 3 million students trained in its driving school: today, 1 out of 2 young people go through Ornikar to prepare for and pass their driving licence.
“Young drivers are generally overpriced because, by definition, insurers do not know them. At Ornikar, we work tirelessly to make the link between learning to drive and accidents. For example, we were able to demonstrate the link between respecting safety distances during the learning path and driving accidents after passing the license.
This is the interest of the ecosystem that we are creating to promote the mobility of young people: the more they have completed learning stages with Ornikar (code then driving), the more their pricing will be adapted and tailor-made. » says Benjamin Gaignault, co-founder of Ornikar.
This unprecedented knowledge enables Ornikar to offer the fairest insurance, as it is the most adapted to the real situation of young drivers.
And this, in the current economic context where, moreover, the consequences of inflation are significant, causing an increase in the price of automobile insurance. For Ornikar, it was therefore urgent to offer an offer that really protects the purchasing power of young drivers.
After a first successful launch in insurance, as a broker-distributor in 2021, Ornikar has since embarked on a major transformation allowing it to create its own products, its own tariff, and to manage the entire chain of value of the customer relationship (subscription, contract life, claims management, etc.).
To achieve its ambitions, Ornikar has since recruited a multidisciplinary team of experienced professionals from the world of insurance.
The company has also surrounded itself with an ecosystem of reference partners to offer
the most suitable products and an optimal customer experience but also having agile processes from the first days, as well as an ability to develop strongly and easily afterwards:
- – Ornikar partnered with Wakam, European insurer B2B2Cfor the creation of its insurance products: “ We are happy to support Ornikar’s fight to make mobility accessible to as many people as possible and to promote the emancipation of young drivers. Our job is to create tailor-made insurance that allows our partners to achieve their ambitions with the best tools. Supporting Ornikar is an opportunity for us to continue to move the lines of the insurance sector explains Olivier Jaillon, Chairman of Wakam’s Board of Directors.
- – In addition, Guy Carpenter intervened with Ornikar to help them put together a panel of partner reinsurers.
For its underwriting and contract and claims management tools, Ornikar called on Guidewire and Salesforce, for its pricing policy it relies on the services of Akur8
“As an assistance company, it’s in our DNA to help our customers with assistance solutions adapted to new forms of mobility. This is why we are delighted to enter into this partnership with Ornikar. We are convinced that this collaboration will provide their policyholders with mobility solutions that meet their needs. Together, we can co-build the services of tomorrow. » declares Noël Ghanimé, President of Allianz Partners France. Et to operate all assistance services on Mondial Assistance
A personalized and fluid customer experience :
Ornikar’s insurance is thus designed to meet the specific expectations of young drivers thanks to the unprecedented knowledge it has of them on the market.
It thus offers a set of services that differentiate it from traditional insurers, without compromise: competitive price, perfectly adjusted guarantees, hyper-responsive customer service, all associated with a personalized digital experience (in particular, simplified path and procedures, contract monitoring and loss possible at any time on the application).
More specifically, in addition to a rate calculated individually according to driving habits, a dedicated advisor in the event of a problem and online claims monitoring, Ornikar offers free services included in all its contracts, in connection with the road safety to protect drivers on a daily basis:
o EasyMecano: in case of doubt about your vehicle, a diagnosis carried out in video with a mechanic, in less than 15 minutes.
o HappyConduite: 2 hours of driving to be done with one of Ornikar’s partner driving school teachers to resume good habits on the road.
o OrniCare: a listening and discussion session with a psychologist to regain confidence behind the wheel of your car after an accident.
Tomorrow, Ornikar plans to complete its range of insurance products and services and to continue its growth in new markets, to go even further in supporting young people in the different stages of their lives.
