How do we work?


Below, you can see a summary of excerpts from some of the studies we have conducted on behalf of our clients.

1Home Insurance Barometer
Goals
Measure the competitiveness of the client’s Home Insurance with respect to their main competitors, both at the level of premiums and of coverages.

Methodology
At a qualitative level, an coverage analysis is carried out based on the general terms and conditions, manuals, technical data sheets and sums/guarantees offered by the rate calculators of each company.
At a quantitative level, an analysis of the insurance quotes produced by our panel of brokers is conducted.

Deliverables
Qualitative and quantitative reports with positioning rankings of premiums and comparisons of coverages and sums. The data is analyzed at a national aggregate level as well as by segments of profiles and geographical areas.
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2Analysis of the insurance sales process in banks
Goals
Analyze the sales process of Auto and Home Insurance in Banks, focusing on the attitudes and skills of the commercial advisor. Additionally, the ratio at which the client’s product is offered in the entity is evaluated.

Methodology
A mystery shopping activity is performed on a sample of the entity’s offices selected by the client.

Deliverables
Report with the central results obtained from the observations made by the mystery shoppers.
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3Analysis of the sales process of Auto Insurance in car dealerships
Goals
Analyze the sales process of Auto Insurance in car dealerships, focusing on the attitudes and skills of the commercial advisor. Additionally, the ratio at which the client’s product is offered in the entity is evaluated.

Methodology
A mystery shopping activity is performed on a sample of dealerships pertaining to the brands selected by the client.

Deliverables
Report with the central results obtained from the observations made by the mystery shoppers.
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4Analysis of the client’s Home Insurance positioning in Rastreator
Goals
Analyze the Home Insurance positioning of our client and their competitors, both aggregated globally and segmented at different levels, using the Rastreator comparator.

Methodology
2,000 quotes are made using the Rastreator comparing system. The model point is formed by a mix of heterogeneous profiles which include all the variables that impact the premium. An extensive quantitative analysis is created from the field work.

Deliverables
One part consists of a spreadsheet providing all of the obtained premiums, both those of the client and those of their competitors. The other part consists of tables that reflect the quantitative positioning of the client’s premium at an aggregate and a segmented level according to the type of housing, use, regime, age, acreage, residential area, etc.
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5Monthly quotes from the Auto branch in Rastreator
Goals
Analyze, on a sustained basis, the positioning of the Auto Insurance premiums of the client and their competitors.

Methodology
13,200 quotes are attained annually (1,100 monthly, including in August) from Rastreator. The model point is formed by a mix of heterogeneous profiles which include all the variables that impact the premium.

Deliverables
A spreadsheet is provided with all of the obtained premiums, both those of the client and their competitors.
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6Temporal analysis of the changes in Auto premiums
Goals
Analyze, on an ongoing basis, the changes in the Auto premiums of our client and their main competitors.

Methodology
We receive quotes for the same profiles every month from our panel of brokers. The sample consists of a mix of the most common vehicle and driver profiles.

Deliverables
Quantitative report that shows the interannual changes in premiums.
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7Study on the satisfaction of Health Insurance customers of an insurance company
Goals
Determine, through the analysis of multiple variables, the customer satisfaction produced by our client’s Health Insurance.

Methodology
800 phone interviews with customers insured by our client. The questions cover all stages, beginning with the process of taking out a policy and ending with its renewal/cancelation. A quantitative and qualitative analysis is conducted from the obtained results.

Deliverables
Quantitative and qualitative reports showing the central conclusions of the analysis.
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8Comprehensive study on the Health branch
Goals
Determine the positioning of our client based on the analysis of the premiums and coverages offered by the central figures in the Health branch.

Methodology
Premiums are collected for the segments of age and region decided upon by the client. Ambulatory Assistance, Comprehensive Assistance, and Reimbursement products, as well as Dental policies, are studied. In addition to products for individuals, those destined for self-employed workers and for SMEs are also analyzed.

Deliverables
Quantitative and qualitative reports showing the central conclusions of the analysis.
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9Study of the Foundations and society-oriented CSR in the insurance industry
Goals
Analyze the nature and activity of the Foundations associated with the main insurance companies of the market as well as its society-oriented Corporate Social Responsibility policy.

Methodology
Based on the information published by the companies, sector reports, and secondary sources, the IMMARKET consultants create an x-ray of the Foundations and the actions of Corporate Social Responsibility. Additionally, we get in touch with the foundations to evaluate the efficiency of their communication channels.

Deliverables
Quantitative and qualitative reports showing the central conclusions of the analysis. Synthetic comparative tables and an individual report are made for each company.
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10General Insurance Study
Goals
Conduct an extensive qualitative study of the products pertaining to the client and their competitors in the Auto, Home, Commerce, and SME branches.

Methodology
Performance of a coverage analysis based on the general conditions, manuals, technical data sheets and sums/guarantees offered by the rate calculators of each company.

Deliverables
Quantitative and qualitative reports showing the central conclusions of the analysis. Additionally, an Excel table with a comparison of coverages and sums is provided.
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11Study on the Final Expense Insurance branch
Goals
Determine the positioning of our client based on the analysis of premiums and coverages offered by the central figures in the Final Expense Insurance branch. Both insurance companies and funeral homes are covered in the study.

Methodology
Regarding the insurance companies, an analysis of the quotes provided by our panel of brokers is carried out. As for the funeral homes, a combined activity of phone-based and face-to-face mystery shopping is performed.

Deliverables
Quantitative and qualitative reports showing the central conclusions of the analysis.
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12Study on the Cyber Risk branch
Goals
Determine the positioning of our client based on the analysis of the premiums and coverages offered by the central figures in the Cyber Risk branch.

Methodology
At a qualitative level, a coverage analysis is carried out based on the general conditions, manuals, technical data sheets and sums/guarantees offered by the rate calculators of each company.
At a quantitative level, an analysis of the quotes obtained by our panel of brokers is performed.

Deliverables
Quantitative and qualitative reports showing the central conclusions of the analysis.
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13Auto Insurance Positioning Study
Goals
Determine the positioning of our client based on the analysis of premiums and coverages offered by the central figures in the Auto Insurance branch.

Methodology
At a qualitative level, a coverage analysis is carried out based on the general conditions, manuals, technical data sheets and sums/guarantees offered by the rate calculators of each company.
At a quantitative level, an analysis of the quotes obtained by our panel of brokers is performed.

Deliverables
Quantitative and qualitative reports showing the central conclusions of the analysis.
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14Life Risk Insurance Study
Goals
Determine the positioning of our client based on the analysis of premiums and coverages offered by the central figures in the Life Risk Insurance branch, including both insurance companies and bancassurance.

Methodology
At a qualitative level, a coverage analysis is carried out based on the general conditions, manuals, technical data sheets and sums/guarantees offered by the rate calculators of each company.
At a quantitative level, an analysis of the quotes obtained by our panel of brokers and banking collaborators is performed.

Deliverables
Quantitative and qualitative reports showing the central conclusions of the analysis.
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15Study on the General Liability branch
Goals
Determine the positioning of our client based on the analysis of premiums and coverages offered by the central figures in the General Liability branch.

Methodology
At a qualitative level, a coverage analysis is carried out based on the general conditions, manuals, technical data sheets and sums/guarantees offered by the rate calculators of each company.
At a quantitative level, an analysis of the quotes obtained by our panel of brokers and banking collaborators is performed.

Deliverables
Quantitative and qualitative reports showing the central conclusions of the analysis.
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16Travel Assistance Insurance Study
Goals
Determine the positioning of our client based on the analysis of premiums and coverages offered by the central figures in the Travel Assistance Insurance branch. Both national and international destinations are analyzed, as well as different lengths, means of transport and purposes of the trip.

Methodology
At a qualitative level, a coverage analysis is carried out based on the general conditions, manuals, technical data sheets and sums/guarantees offered by the rate calculators of each company.
At a quantitative level, an analysis of the quotes obtained by our panel of brokers and/or web rate calculators is performed.

Deliverables
Quantitative and qualitative reports showing the central conclusions of the analysis.
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17Benchmark study on Savings and Pension Plan products
Goals
Create an extensive x-ray of the Savings and Pension Plan products that are being actively marketed by insurance companies and banks.

Methodology
Based on the documents published by the company and other secondary sources, IMMARKET experts analyze the current supply of our client's competitors.

Deliverables
Comparative tables.
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18Comparative Marketing Analysis (CMA)
Goals
Through the quotation of a multivariable Model Point, either homogeneous or heterogeneous, we aim to provide insight into the structure behind the rates of our client’s competitors. Based on this analysis, the competitiveness of their premiums at new production levels and the potential risk of portfolio losses can be determined.

Methodology
The size of the Model Point varies depending on the needs of the client and the characteristics of the industry. It generally ranges from between 800 and 5,000 profiles. In a previous phase, in order to guarantee the homogeneity of the premiums obtained and the efficiency of the Model Point to be quoted, a qualitative analysis of the competitors' product and of the variables/sums available in the rate calculators are made, respectively.

Deliverables
Analysis of the variables of the rate assessor of each company, a coverage comparison and a model point with the premiums obtained.
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19Multi-branch comparison of “face to face” guarantees
Goals
Realization of a direct comparison between the guarantees of the client's product and the product of their competitors for the different branches requested.

Methodology
Analysis of coverages based on general terms and conditions, manuals, technical data sheets and sums/guarantees offered by the rate calculators of each company.

Deliverables
"Face to face" comparative sheets, one for every branch and competitor.
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20Top 5 guarantees Call Center Comparison
Goals
Provide the agents of the client's call center with an educational, quick-read document with the product’s 5 most important differential points.

Methodology
Analysis of coverages based on general terms and conditions, manuals, technical data sheets and sums/guarantees offered by the rate calculators of each company. The 5 key points are determined based on the information collected.

Deliverables
“Face to face” comparison sheets summarizing only the 5 main differential points that make the client’s product stand out from the competitor's products.
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21Community Insurance barometer
Goals
Measure the competitiveness of the Client's Property Owners Insurance with respect to their main competitors, both at the level of premiums and of coverage.

Methodology
At a qualitative level, a coverage analysis is carried out based on the general conditions, manuals, technical data sheets and sums/guarantees offered by the rate calculators of each company.
At a quantitative level, an analysis of the quotes obtained by our panel of brokers is performed.

Deliverables
Qualitative and quantitative reports with rankings of positioning in premiums and comparisons of coverages and sums. The data is analyzed at a national aggregate level and by segments of profiles and geographical areas.
More information
22Pharmacy Insurance barometer
Goals
Measure the competitiveness of the Client's Pharmacy Insurance with respect to their main competitors, both at a level of premiums and coverage.

Methodology
At a qualitative level, a coverage analysis is carried out based on the general conditions, manuals, technical data sheets and sums/guarantees offered by the rate calculators of each company.
At a quantitative level, an analysis of the quotes obtained by our panel of brokers is performed.

Deliverables
Qualitative and quantitative reports with rankings of positioning in premiums and comparisons of coverages and sums. The data is analyzed at a national aggregate level and by segments of profiles and geographical areas.
More information
23Analysis of the software tools that insurance companies make available to the network of brokers
Goals
Analyze, both from an objective point of view (point of view of the IMMARKET analyst) and subjective (point of view of the broker users), the main characteristics of the management software tools that the brokers use from day to day.

Methodology
For the objective analysis, a team of IMMARKET analysts execute an in-depth assessment of the performance and characteristics of the tools, determining their strengths and weaknesses.
For the qualitative analysis, a forum of brokers is set up in which they express their opinion on the different topics put up for discussion by the IMMARKET moderator.

Deliverables
Qualitative report with the main conclusions of the double analysis.
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24Pet Insurance Study
Goals
Determine the positioning of our client from the analysis of the premiums and coverages offered by the central figures in the Pet Insurance branch. In addition, the coverage for pets included in Home Insurance policies is analyzed.

Methodology
At a qualitative level, a coverage analysis is carried out based on the general conditions, manuals, technical data sheets and sums/guarantees offered by the rate calculators of each company.
At a quantitative level, an analysis of the quotes obtained by our panel of brokers is performed.

Deliverables
Quantitative and qualitative reports showing the central conclusions of the analysis.
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