FinanceScout24 and Toni Digital launch digital loan protection insurance

21.03.2024

The comparison portal FinanceScout24 and the Swiss insurtech company Toni Digital are set to collaborate in the loan protection insurance arena under the Belsura brand. Together, the two companies are now offering loan protection insurance that is entirely digital. This allows borrowers to insure the monthly instalments of their consumer finance in the event of redundancy, incapacity for work or death.

At a time when economic uncertainty and accelerated changes to the professional landscape are shaping our everyday lives, insuring financial obligations is of paramount importance. Redundancy or incapacity for work can quickly become a financial ordeal. This is exactly where the new loan protection insurance from the FinanceScout24 comparison portal and the Swiss insurtech company Toni Digital comes in: under the Belsura brand, they are offering a digital shield for borrowers that not only provides security in uncertain times, but also allows convenient, affordable access to instalment protection insurance. Policies are underwritten by the insurance company Hesse Digital.

Improved efficiency and cost benefits thanks to insurtech
Following the successful launch of Belsura car insurance, FinanceScout24 and Toni Digital are launching another product that makes optimal use of the potential of insurtech, namely their new loan protection insurance. The process – from application to signature – is entirely digital. This not only provides a simple user experience, but also sets new pricing benchmarks thanks to digital process efficiency, with an insurance premium of just five per cent of the monthly loan instalment – a price advantage over the higher premiums offered by other providers. In the event of redundancy or incapacity for work, the insurance covers monthly loan instalments of up to CHF 4,000; in the event of death, outstanding liabilities of up to CHF 100,000 are covered. Belsura loan protection insurance is currently only available from FinanceScout24.

Certainty in uncertain times
Jochen Pernegger, Managing Director of FinanceScout24, emphasises the added value of its closer partnership with Toni Digital: ‘By using intelligent digital interfaces, we can quickly and easily offer our customers tailor-made loan protection insurance. Our new product is not only efficient and entirely digital, but is also a cost-effective way of mitigating the risk of being unable to repay loans in uncertain times. As an exclusive provider, we regard this as confirmation of our commitment to making life easier for our customers with useful, fully digital insurance products, such as our new Belsura loan protection insurance.’

Cédric Baumgartner

Senior Communications Manager & Media Spokesperson

[email protected]

+41 76 233 02 75

Marta Andreoni

Head of Design for Automotive

Introduce yourself and your role at SMG

I’m Marta Andreoni, Head of Design at SMG Automotive. I lead the design and UX writing team shaping AutoScout24 user experience. 

In my role, I wear many hats. My main focus is ensuring we stay true to our vision “simplifying people’s lives and connecting humans through innovative digital platforms” and our brand promise, “make it happen”. I challenge my team to think user-first, push for innovation, ease of use for our customers and make forward-thinking decisions, even within business and technological constraints.

 A big part of my role is supporting each designer’s growth, motivation, and career development. Through one-on-one coaching, mentoring, group work, and projects, I help my colleagues set and achieve their goals while fostering new learning opportunities.

What helps you feel empowered and confident in your role?

If I had to mention one thing I would say “being proactive” has been key to feeling more empowered. I enjoy solving problems, so when issues or opportunities arise, be it in the product, market or the team, I get curious and I proactively investigate the reasons and try to bring inputs to be discussed with others, this makes me feel I can be part of the process or solution and my point of view is going to be taken seriously. My optimism also plays a role, giving me confidence that even the most complex challenges can be solved. 

Besides, having trust from other managers and colleagues makes me feel in a safe environment where I can take ownership on topics I’m passionate about. 

What’s one thing SMG does well in fostering an inclusive workplace? What more can be done to amplify and support different perspectives in the workplace?

In my experience, we strive for balancing top-down and bottom-up inputs, ensuring employees can influence product directions, processes, and culture. People are approachable, and our strong feedback culture helps voices be heard. Across SMG, initiatives like regular People & Culture Surveys, topic guilds, and events in our locations across the world foster open exchange and mutual learning.

That said, I’ve noticed that quieter voices sometimes get less space, or interacting with top management can feel intimidating, especially when giving critical feedback. To make participation more inclusive, we could apply more facilitation and group work techniques like structured turn-taking, written input, and smaller group discussions – ensuring everyone, regardless of confidence level, seniority or personality, feels comfortable contributing. 

Design is often about seeing the world differently. How do unique perspectives contribute to more innovative, inclusive, or impactful design?

Design is about understanding diverse user personas and perspectives to create solutions that truly meet their needs or create new opportunities. I believe in the power of collaboration to shape user experiences – bringing together different disciplines, backgrounds, and lived experiences helps challenge assumptions, uncover blind spots, and drive more inclusive, innovative, and impactful solutions.

Looking back on your career, what’s one lesson or piece of advice you wish you had known earlier as a leader in design?

There are three things no one really prepares you for as a design leader: dealing with constant change, facing failure and handling emotions at work. These topics aren’t talked about much until you face them. I was lucky to learn from others’ experiences, but much of it came through my own.

One thing I wish I had understood earlier is the power of emotional intelligence, my job is no longer about the content and the design, it is about people. Self-awareness, not just of your own emotions, but also how others feel and react, can be the difference between conflict and harmony, frustration and clarity. The more I grow as a leader and designer, the more I realise that design isn’t just about doing the design job, delivering solutions on the market: it’s about navigating people, their emotions, and making change more acceptable and transforming issues into opportunities, both within the organisation and through great products.

 

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