Over the last 12 months we have been working with The Co-operative Insurance on their brand new car insurance product – Young Driver Insurance.
About the project
Working closely with our partner Wunelli and a number of different companies, Something Interesting designed, built and integrated the entire quote engine and dashboard for The Co-operative. We now continue to manage the websites and provide ongoing enhancements.
Car Insurance Quote Engine
The Co-operative Insurance wanted to redefine car insurance, especially for the younger driver. The cost of insurance for younger drivers is becoming more and more expensive. And its unlikely that the recent EU ruling on gender discrimination in car insurance is going to help matters.
By rewarding the safer driver with discounts mid-term and at renewal, The Co-operative Insurance hope to engage with the younger audience at the outset. This required some fundamental changes to the standard question set. Because of these changes, we spent a great deal of time working on the customer journey ensuring that the user experience was logical and led the customer through the journey smoothly.

From the price page onwards, the journey diverges from the standard approach. We needed to get the customer to understand the product and, importantly that a GPS system would be installed to measure the customer’s driving style.
All of this had to tie in with current underwriting rules and provide customers with clear & easy to understand messages. Because of this, we included validation and error messages in the web layer, providing simple explanations instead of insurance speak message.
Customer Driving Dashboard

The Driving Dashboard
As customers are rewarded for driving more safely, we needed a way of demonstrating the customer’s driving style back to them. This is where Driving Dashboard comes in.
Driving Dashboard shows the customer key driving style metrics over both the policy term and also a 45 day snapshot. The 45 day reports allow the customers to get a quick feel as to whether their driving style is improving, meaning that they will be rewarded for their better driving.
Along with these reports, we included a detailed alerts system, allowing dynamic messages and alerts to be sent to the customer’s driving dashboard based on pre-defined criteria.
This keeps communication between The Co-operative Insurance and their customers to the fore. Not many car insurance policies come with this level of communication about the current policy.
Administration Tasks
With a non-standard car insurance policy, new administration systems are required to fill the holes left by the standard policy administration systems.
Something Interesting established the short fall in current policy administration systems and provided a detailed and workable solution that integrates smoothly with the existing back office support systems. This allows The Co-operative Insurance to administer these policies as easily as their traditional policies.
Working with Something Interesting
By providing a highly motivated and experienced team of developers for this project, we were able to get the whole project to market quickly. This is something that may not have been so easy to do using an in-house development team that have other pulls on their resources.
Because our entire team (designers, developers, project managers etc) work from the same location, communication is quick and clear. A project of this nature is likely to take a number of detours from the original project path as the project matures. By having our team available we are able to quickly change direction – with everyone kept up to date with movements in the project.
The Co-operative Insurance also needed to be satisfied that we would be diligent with the development, especially from a data security point of view. Working closely with their team on due diligence, we were able to meet their exceptionally high standards for security.
Something Interesting is now working towards obtaining the ISO270001 standard.
For more information about our services, contact Steve on 023 928 3725.