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Happiness guaranteed


MMA is positioned as a multi-specialist insurance company with a powerful network of tied agents. Its size and resources provide it with the means to adopt a growth strategy driven by boosted productivity and new vectors of development.

Business lines: a complete offer for every sector

As a mutual insurance company with general agents, MMA provides complete solutions and services for the general public (private individuals and professionals) and the Corporate sector:
  • Property damage
  • Savings and Life insurance
  • Healthcare and Welfare
  • Financial services
  • Professional risks
  • Commercial lines

Values and commitments: to make the lives of policy-holders easier

MMA focuses on enhancing the services provided to policy-holders in order to make life easier for them, in particular through product innovation, the development of telephone call centers for claim management (Espace Master) and electronic document management (EDM). The sense of service is based on a pro-active, dynamic strategy of adaptation against a background of competitiveness and performance. MMA asserts the efficiency of its organisation and the creativity of its solutions as trademarks in customer service.
The proof: the 2008 Argus/IFOP barometer on brand awareness and the image of insurance companies puts MMA in second position.

Zero worry consulting leads to multiple-policy customers

2008 was a year of innovative business deals. After the merger with Azure carried out in 2007, the complete unification of MMA on 8 January 2008 endowed the company with renewed vigour. Over the first three months of the year, the "Auto flying start", a vast array of offers and promotions, resulted in an all-time record for subscriptions. The innovative abilities of the MMA marketing teams were highlighted again in January 2008 when the company won the Argus d'Or award for its "Double Effect Auto Bonus".

Given the current economic situation, MMA is seeking more than ever to position itself as the Why Worry insurer. One example of this is the new Health offer launched in October 2008. Health insurance is a new growth vector for MMA in a strategy seeking multiple policies per customer. Since customer satisfaction is the top priority for the organisation, manifested in particular

by the local presence of its tied agents, MMA has tailored its new business approach to the requirements of its customers: zero worry consulting now applies to all standard offers, including Savings, Health, Welfare, Legal Protection, etc.

Another growth vector, Business, is a sector in which MMA has invested heavily and has achieved substantial results. The MMA Business brand has developed a strong reputation. New resources have been rolled out, in particular a dedicated information system implemented in September 2008 which is shared by the customer service offices and MMA teams. The objective is also to strengthen relations with brokerage, which has already accounted for 1.5 billion euros of gross premiums written.

A win-win model for all: the customer, the agent and the company

One of the company's main development initiatives is its multichannel scheme. The expansion of new technologies has significantly changed consumer behavior and expectations. Strong competition from bank-insurers has led MMA to seek a new distribution model which will benefit all parties involved: the customer, the agent and the company. One solution is the multichannel scheme, which enables customers to contact or build relations with their insurer by the method of their choice, which they can change whenever they want.

Key figures

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