Allianz includes insurance when buying a connected helmet

The insurance giant Allianz Partners has officially launched its joint offer with the specialized Start-up Cosmo Connected. Named Fusion+, it takes the form of a new individual insurance coverage combined with the purchase of a latest generation connected helmet.

FACTS

• Allianz Partners and the Parisian startup Cosmo Connected now offer for sale a connected helmet incorporating individual accident insurance.

• Fusion + is thus presented as a complete offer including:
  • a headset dedicated to micromobility, equipped with an intelligent rear light with fall detection and active signalling (a connected mobile app allows you to share your journeys with relatives or automatically send a text message in case of a fall),
  • Personal accident insurance (Individual Accident Insurance) covering medical expenses and financial losses in the event of a helmet wearer accident.

• The offer is offered at a single rate of EUR 199, with no extra cost for insurance.

• Buyers of this helmet will automatically be able to benefit from a one-year coverage against individual accidents caused by their micromobility journey, when they are equipped with their Fusion+ helmet.

• The offer is available to buyers of a Fusion+ helmet in France, Germany, Italy, Portugal, Spain and the Netherlands. Other European markets will subsequently also be affected by the deployment of this new offer.

ISSUES

• Simplifying Access to Insurance: Beyond the technological aspects of this new offer, Alliance Partners and Cosmo Connected offer, through their partnership, a simple and practical way to access complete coverage to ensure micromobility journeys. The purchase of the helmet is the only way to access the cover.

• Cover innovation : Fusion+ is presented by both partners as an innovation and even a first in Europe. In any case, it allows Allianz Partners to highlight its commitment to innovation. The insurance group seeks to adapt its offers to new trends in mobility and the integration of the latest technologies.

• Realizing its ambitions : The new Fusion+ offer offered by Allianz Partners is also the second step in implementing its collaboration with Cosmo Connected. The two partners launched another joint offer in May 2024. Named "Cosmo Care", it allowed users of the Cosmo Connected helmet to take advantage of additional insurance coverage to ensure their journey made through a vehicle integrating the range of recognized micromobility transports (trottinettes, skateboards, gyropods, hoverboards, bicycles ...).

PERSPECTIVE

• Masked by the effervescence that is now agitating many markets around artificial intelligence, the Internet of Things represents another technology that favours some disruption or at least a revival of historical offers in the insurance market in particular.

• In addition to Allianz, many other actors had already dealt with the question of the integration of the Iot into their offers, particularly with regard to the protection of housing and the Disaster prevention or the health prevention. And on the topic of mobility in the broad sense, personalized offers have already democratised, led by the emergence of connected vehicles and related systems.

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