Insurance news | No. 2

„Now and here“ – „Family is important“ – „Unpredictable future“. Do we all speak as one? How stage of life do affect our approach and willingness to buy insurance?



„Now and here“

Who am I?

          


  • I‘m self-confident
  • I make decisions spontaneously „now and here“
  • No kids and long-term obligations (e.g. mortgage)
  • I’m not afraid of ilnessess or death
  • Minor accident or prang – it’s the only thing that could happen to me

What’s important?


  • Independence
  • Mobility
  • Spontaneity

Insurance? I don’t need!


„I’m not afraid of illnesses or death
– I’m to young to die!“

Mateusz, 28 years old, cash loan almost 17.000 PLN for 5 years. After 5 months from cash loan agreement, family found him in the night in garage lying under car. Probably car slipped from the jack and pressed him – client died before an ambulance arrived. Police report stated that it was accident – we have repaid over 15.000 PLN of cash loan.




„Family is important“

Who am I?



  • I make well-balanced decisions having my family in mind
  • I have kids
  • I have long-term obligations (e.g. mortgage)
  • I’m afraid of loosing my job and deterioration of finacial situation

What’s important?


  • Family and its future (financial security)
  • Quietude

Insurance? To big expense!


„Payment protection insurance is a big expense – I cannot afford this luxury!“

Paweł, 34 years old, cash loan almost 47.000 PLN for 6 years. A few weeks after cash loan agreement, client was driving his car with wife and daughter. Police report stated that driver suddenly turned left and hit on the tree. When the accident occurred, client was sober. Regarding serious injuries, client’s daughter died after two months after car accident, client died 1 month later. The only survivor was client’s wife – we have repaid almost 47.000 PLN of cash loan.



„Unpredictable future“

Who am I?



  • I strive to help relatives, also financially
  • I aware of the inevitable end of life
  • I worry about my relatives and their financial future
  • I’m afraid of illnesses and death

What’s important?


  • Awareness that I don’t leave any debts

Insurance? I can’t afford it!


„The purchase of insurance is a really big expense having in mind my modest income – I cannot afford it!“

Janina, 65 years old, cash loan almost 87.000 PLN. After two years after cash loan agreement client felt badly and family doctor sent her to the hospital for detailed diagnosis. Medical report stated that it was cancer and after some time Insured person died – we have repaid almost 58.000 PLN of cash loan.



Material prepared by the Société Générale Insurance Poland, based on the research „Motivations and barriers related to Credit Insurance“ on behalf of Eurobank and Société Générale Insurance Poland, March 2016. Detailed insurance coverage, limitations and exclusions of the Insurer liability are included for each insurance product in the General Terms and Conditions of the Insurance and available on www.eurobank.pl and at Bank branches.The material is based on the Eurobank clients accounts and on conversations between people reporting claims and employees Société Générale Insurance Poland; customer data (names / age) have been changed.

print
Top of the page