Integrated Report Team Editor

Furthering new practices, In Real Life

In Real Life
Apr 25, 2018

The sharing economy, connected cars, smart homes, self-employed workers... A multitude of new trends are transforming everyday life and generating new demand for protection. To allow its clients to seize these new opportunities, AXA is inventing offerings and services, harnessing new trends that will generate the uses of the future. Eight partners and clients tell us how insurance has changed their mobility or their relationship to work.

Jean-Michel, Founder and CEO of votremachine.com, Mont-de-Marsan
Olivier, Farmer, near Bouglon

“Lower equipment costs to be more competitive.”

Jean-Michel, Founder and CEO of votremachine.com, Mont-de-Marsan

“I’ve been a farmer in the Landes region since I was 21. Inspired by the sharing economy business models like OuiCar or Airbnb, I decided to found VotreMachine.com in 2015, to apply these same principles to agriculture. My platform allows users to rent all types of equipment and to lower their equipment costs. By switching from ownership to a share-mode, farmers can better counter increasing global competition. The partnership with AXA has been instrumental in developing VotreMachine.com. Our insurance policy for hauled and motorized equipment covers not only vehicles and people but also users and owners. It applies to farmers as much as other users: communities, private campsites, gardeners...”

Olivier, Farmer, near Bouglon

“I’m a farmer and owner of a 450-hectare cereal
farm located near Bouglon, between Bordeaux and Toulouse in France. A farm of this size requires a
lot of investment! I had to buy several tractors and stubble cultivators in just a few years. Since farming
is essentially cyclical, my equipment sits in the shed most of the time. VotreMachine.com allows me to rent out any equipment I rarely use and to make some extra money. Although I initially had a few doubts, my first experience with VotreMachine.com and their partnership with AXA totally removed them: I dealt with serious, meticulous users and AXA automatically provided me with extended guarantees. What more could I want?”

Maurice, CEO, Fleet, Dublin
Donogh, Fleet user, Dublin

“The entire Fleet system is built on trust.”

Maurice, CEO, Fleet, Dublin

“Last year, we launched Fleet, the first peer-to-peer car rental platform in Ireland. Our app enables users to rent a car almost instantly and owners to be reassured in renting out their personal vehicle. The entire system is built on trust throughout the process. Accordingly, owners and drivers are asked to rate each other openly after the rental. To further this bond of trust, we sought to partner with AXA: it has reinforced our reliability and reputation, enabling us to optimize our customer service and to deliver on our standards. But, most of all, we provide our users with all the guarantees of a strong and reputed insurer. Our users can be trouble-free in taking full benefit of the Fleet experience!”

Donogh, Fleet user, Dublin

“I registered with Fleet six months ago, and I’ve already received 19 requests to rent my car! This service gives me a lot of benefits. I live in the center of Dublin, and it only takes me ten minutes to go
to work on foot. In other words, my car was sitting parked most of the time. Thanks to Fleet, my car now gives me a monthly income... That’s not bad! That said, never would I have tempted fate without checking that I’m well insured. With AXA, I know I have solid coverage from a world renowned Group. It eases my mind to the point that I’m actually okay with people driving my car!”

Quentin, COO, Malt, Paris
Olivier, Freelancer, Malt, Paris

“Malt enables freelancers to benefit from the same level of security as employees.”

Quentin, COO, Malt, Paris

“We created Malt in 2014 after noting the booming number of self-employed workers in France. It is
a paradigm shift: they want to control their work environment; they no longer need a boss, but customers. This is where we come in, we connect them with all types of companies, from startups to major groups. This makes it possible for them to work free from contractual and payment constraints.

By partnering with AXA, we can provide, through one single policy, a market-tailored professional
civil liability insurance to our freelancers. This simple solution provides them with legal protection and their clients, in turn, with the AXA brand seal of approval. Clients end up benefiting from the same guarantees as those extended by more established provider while maintaining flexibility with freelancers.”

Olivier, Freelancer, Malt, Paris

“I started freelancing a few years ago, and stepped away from a career in digital marketing and data analysis in large groups. I took this step with Malt who promptly connected me with customers, meaning I was quickly signing contracts. This is essential: unlike the wage-earning system where employees focus exclusively on their work, self-employment involves constantly looking for customers. One of Malt’s added values is how easy they make this commercial dimension. But it goes even further. Malt helps build
a solid customer relationship by guaranteeing the payment of assignments and by providing professional civil liability insurance with AXA. It frees me to focus on my work.”

Curtis, Global Head of Insurance, Uber, San Francisco
Lilya, Uber driver, Monterrey

“Going the distance for anyone on the road.”

Curtis, Global Head of Insurance, Uber, San Francisco

“Everyone knows Uber, but not many people actually know that all rides on Uber are insured. Millions
of driver partners choose our app every day to
help them reach their earning goals. With this new, flexible self-employed work model, they can now choose where and when they wish to work around the globe. Few companies can match AXA’s on-the-ground experience and commitment to innovation. Our common strengths have allowed us to innovate together and create an insurance protection for drivers that reflects Uber’s growth, scale and commitment to our consumers. At a basic level, we believe everyone should be protected against unforeseen accidents. We’re proud to partner with AXA.”

Lilya, Uber driver, Monterrey

“When I saw I’d have to care for my father, I started looking for a solution that would allow me to balance my professional life with my role as a caregiver. One of my nephews told me about Uber and encouraged me to give it ago. I got the job and this has helped me to regain my freedom. I’m my own boss; I manage my time. I take my role seriously: transporting people is a responsibility. Knowing I’m insured by AXA brings me peace of mind: if I ever have an accident, both my passengers and myself are covered by one of the most reliable companies in the world!”

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Tags: In Real Life