Credit Mutuel innovates in repairing insured vehicles
Crédit Mutuel Insurance innovates in the car repair market by launching the first Mobility Station, a place dedicated to the brand's policyholders when they face a car problem. The latter benefit from a replacement car and especially from a very short waiting time for repairs. The entity shows concrete results of its strategy by 2027, as well as its ability to make innovative choices.
FACTS
Crédit Mutuel opened its first Mobility Station this week, a project launched with the aim of rethinking how to serve automotive insurance customers.
The Mobility Station is intended for clients of Crédit Mutuel and CIC Assurances, and allows a motorist to drop off his accident car. In a few minutes, the latter leaves with a replacement car and returns about 15 days later to recover his.
This initiative is innovative because the time of the repair process usually goes from about fifty days, to only about fifteen days with the Mobility Station.
The station is equipped with 120 replacement vehicles to meet the needs of the insured in the vicinity. The care is then done directly on the site for small repairs or at a garage partner for a larger problem.
The monitoring is digitized, allowing the insured to follow the procedure more easily and to know instantly where the repairs are.
According to the insurance company, the project took more than two years of preparation. The first station is located in Mulhouse and a second will open in 2026 in Strasbourg.
ISSUES
A bold strategy: Crédit Mutuel Insurance clearly shows its willingness to come and push the car repair market and offer an innovative and disruptive service. However, the aim is not to undermine the sector since Mobility Stations work in collaboration with local garages. They will even be an aid for garages that will benefit directly from repair operations on insured vehicles.
Facilitating the daily lives of clients: The insurance entity has 3 million auto insurance contracts. The aim of the station is to make its customers' approaches much more fluid and arranger. Repairs are faster and insured persons can have a contact more easily.
Implement Strategic Plan 2024-2027: This innovation is part of a long-term plan aimed at better controlling the value chain of repairs. First of all, this allows for better monitoring of expenses related to compensation for damage, shortening the time required for proceedings and finally providing better services to insured persons. Consistent with this strategic plan, Crédit Mutuel targets 8% of the market share in damage insurance.
PERSPECTIVE
Crédit Mutuel also explains that the repair control strategy should also extend to housing contracts. In July 2024, the company acquired a company called Réparttim, specializing in habitat repair.
Mobility is always a major issue for banks. CaixaBank, for example, announced in December the launch of a new online vehicle financing platform.
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