"It's a sector that's disintermediated along its entire chain. Insurers and brokers understand that economies of scale are possible by having their clients carry out different types of acts (e.g. underwriting, underwriting, management...). Insurers are lagging behind in terms of digitalisation (with a few micro exceptions) due to their size and cumbersomeness".
In the insurance industry, after a policy has been taken out, a motor claim is one of the most important moments in the insured-insurer relationship.