COMPENSATION

COMPENSATION

Updated on Jul 10, 2024

COMPENSATION, A KEY STAGE IN CUSTOMER RELATIONS AND LOYALTY

The life of a company is subject to many hazards, and a claim can have major financial and human repercussions for your customers. Rapid compensation and a smooth customer flow are essential elements of a lasting business relationship.

Service, responsiveness, proximity and expertise, at the heart of our commitments

Responsiveness and proximity: the two pillars of successful support

We offer personalised claims management (dedicated contact person) and a comprehensive range of expertise tailored to the customer's profile.

In order to establish direct relationships based on trust, we have built our organisation around the concepts of responsiveness and proximity. Our network of claims inspectors is based locally to cover the major regions of France, making us more available and mobilised as soon as a claim occurs.

Expert
opinion

  • «  We are equipping ourselves with the most powerful information systems on the market to meet the growing needs of our customers. »

    Isabelle Tavares Montariol Director of Claims Technical Services, MMA
Expertise: recognised professionals committed to working with you

As part of Covéa, we benefit from an accredited and managed network of service providers (experts, lawyers, repairers, etc.) specialised in business risk and tailored to each business sector. 

COMPENSATION
KEY FIGURES

  • Managed claims 320 000 Professional & Business Claims per year
  • Claim settlements €1.9 Bn Professional & Business
  • Employees 640 specialised in Professional & Business

Our commitments: claims management that goes beyond simple compensation

Well aware of what is at stake, we do everything we can to react quickly and deploy the technical and financial resources needed to limit the impact of the damage on the affected company and enable it to get back up and running as quickly as possible.

 
Supporting customers

On D+1 of the claim, we are physically present on site, or represented by one of our partners.

 

Helping them through their claim

We identify and implement the necessary conservation measures to preserve property and premises (securing the premises, decontamination, guarding, etc.).
We provide our customers with feedback (3D scans, drones, etc.) to help them better understand the origin of the disaster (fire kinematics) and integrate our Prevention department into the reconstruction project.

 

Helping them get back into business

By providing technical, economic and financial support, we work immediately on solutions for getting the business back up and running (finding and fitting out new premises, calling in subcontractors, speeding up orders for new equipment, etc.).

 

A dynamic policy of advance payments

Advance payments linked to the losses incurred enable production assets to be rebuilt and the business to resume (orders for new equipment, repair or reconstruction work, financing a lease for new premises, etc.).

 

Expert
opinion

  • "All of our partners recognise the technical expertise, availability and commitment of our teams. "

    Fabienne PELOSI Head of Major Claims France and International at MMA

KEY FIGURES

  • claims 79% opened within 5 days
  • Management mails 80% processed within 5 days
  • phone calls 90% answered within 15 secondes

Dedicated teams and agile organisation

  • A 640-strong management team specialising in commercial and corporate risks.

  • Specialist teams with a high level of technical expertise, who are responsive, attentive, accessible and have recognised technical know-how.

  • An organisation based on business lines and areas of activity: Property, Liability, Professional Motor and Fleet, Construction, Liberal Professions, Personal Injury, etc.

  • A dedicated Major Claims team 

  • Fully dematerialised claims management for flexible, responsive claims handling

  • Agile development of the Claims Department to take account of MMA's ambitions and meet customers' needs

Our ability to handle key accounts and international business

Major Accounts Compensation Coordination

  • Customised management and a dedicated team

The Major Accounts Compensation Coordination team liaises with the various business lines (Property and Casualty, Liability, Construction, etc.) and relays the needs of customers and brokers during or after the claim.

  • Claims review

Depending on requirements, two to four times a year, the Major Accounts Compensation Coordinator organises claims reviews for major accounts, to obtain feedback on their claims experience and a shared view of trends, and to propose areas for improvement where necessary and on this basis.

  • Claims management agreement 

La Coordination Grands Comptes Indemnisation, qui a également la capacité de mettre en place une délégation de gestion et règlement personnalisée pour la gestion de certains dossiers, intégrant éventuellement des montages de type captive ou franchise « aggregate », témoigne de la capacité d’adaptation de MMA pour répondre aux besoins spécifiques de la gestion des grands comptes et de leurs courtiers.

International

  • A specialist team

The Claims Department has a team dedicated to international claims and works with customers remotely or on site. 

  • A network of experts

S’appuyant sur notre réseau d’experts Covéa présent à l’international, un expert référent basé en France coordonne et pilote l’ensemble de la prestation avec l’appui d’un expert local qui connaît la langue et les usages locaux.

OUR STRENGTHS

  • /

    Acknowledged technical know-how and expertise

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    Putting customer satisfaction first

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    Organised by business line

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    Units dedicated to key accounts and international business

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    Feedback from claims experience to feed our recommendations for individualised prevention actions

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