From a cultural standpoint, we Turks love the idea that our destinies actively shape our lives. We take comfort from our destinies, rather than the idea that our lives are a series of unrelated events. Accidents happen, not because we did not obey the rules or failed in some way, but because it “was meant to happen”.
Partly because of this cultural belief, home insurance does not extend across the Turkish population. After all, if something is going to happen, it will happen. Why fight it?
So, when Aksigorta the insurance giant, approached us about the Turkish market, we knew it was time to find out what was missing in the Turkish insurance experience.
Using comprehensive ethnographic research over a period of two months, we questioned cultural and physical barriers that were stopping people from purchasing homeowners insurance. Research told us that it was mostly newlywed couples and new home buyers who were triggered by security emotions. For a regular consumer behaviour, the need for insurence occur when one plans to stay away from his/her house for a limited time (Such as vacations).
Hesitations about Insurance:
With the participation of the Aksigorta product team, we conducted a series of workshops devoted to creating a prototype that our target audience would love.
Our first challenge was creating an insurance product that was easy to use. If it was too complicated, our audience would just write it off and go without insurance.
For our first prototype we had several goals:
We measured our results in 2012, one year after launching our client’s newly designed home insurance.
Aksigorta found a 4% increase in overall available house related insurance products, with their product’s branch share rising from 47% to 51%. Aksigorta was pleased with the results, and we were happy to provide protection to Turkish citizens.