Many insurers give their policyholders very simple mobile apps that only provide policy services like premium payments and ID card downloads. However, these mobile apps are often just mobile friendly webpages that may or may not be optimized for a mobile experience. If you want your policyholders to love your policy self-service mobile app, you need a native mobile app that leverages the capabilities of your policyholders’ phones.
For example, policyholders find a lot of value in immediately sending first-notice-of-loss submissions at the scene of a claim from their phones. They appreciate how the insurer mobile app helps them through a potentially stressful situation, like a traffic accident or other type of claim submission. However, a simple FNOL web form is not enough. Only a native mobile app that can leverage the phone’s sensors and GPS can fully aid in gathering the most timely and relevant information at the scene of a claims event.
Mobile FNOL Submission
Imagine that you have been in a traffic accident. The mobile app advises you on what to do to be safe. It then guides you through an FNOL workflow specific to an auto claim. The app pre-fills policyholder information and location via GPS. It provides a convenient form for capturing witness contact information, police report details, any injury information, or property damage descriptions with photos or video, right at the scene of the accident. You can use your phones video capabilities to interview witnesses. There would be no need to remember details when you are back at home on your insurer’s web customer portal.
Policyholders now expect Mobile policy services apps that are more than just simple web pages. They want easy-to-use and full featured mobile apps that make their lives easier. Those insurers who invest in native mobile apps that use mobile phone technology to the fullest will see the greatest return on that investment.
