Introduction to Borrower Insurance
Borrower insurance is an essential protection that requires more transparency. To address this challenge, Yakoota is deploying its new-generation comparator on this segment, aiming to democratize access to a customized, independent, and factual comparison based on a comprehensive analysis of contract quality. Yakoota is thus continuing to develop its supervised generative AI solution dedicated to insurance subscription, serving an informed choice based on the quality-price ratio. To date, the platform relies on nearly 280,000 data points, including 65,000 related to management quality, to feed the rating of its four offers: housing, automobile, complementary health, and borrower insurance.
Technology Based on In-Depth Contract Analysis
The Yakoota comparator analyzes over 1,000 quality variables across all significant market offers. The recommendation, calculated automatically and instantly, is based on two essential components:
- The insured's personal characteristics (age, profession, medical history, lifestyle)
- Their coverage needs, in addition to the lender's requirements
The tool allows for contract classification and advanced personalization options, leading to a truly adapted recommendation for each profile. For example, sports activity coverage conditions, including specific ones, are automatically integrated into the recommendation.
A Tool for a Relevant Change in Borrower Insurance
Borrower insurance deserves more analysis from borrowers. The latter primarily focus on obtaining credit, even though insurance is a crucial lever for social and patrimonial protection. The Yakoota solution enables borrowers to fully benefit from the "Lemoine" law, facilitating the identification of more relevant alternatives. Potential gains are estimated between €5,000 and €15,000, depending on the profile and loan duration.
Neutral and Transparent Operation
Yakoota operates with complete neutrality and transparency. The platform allows for:
- Confirming an initial choice
- Identifying more suitable offers
- Verifying, over time, the contract's adequacy to the insured's evolving situation
Pricing
The solution is offered as a unit or as an annual subscription for professionals, starting at €37 HT per month. View our product catalog. Individuals can compare all significant borrower insurance offers, including those from bancassurance and mutual companies, for €5 TTC per loan.
