The drivers of our value creation are our products and services in the areas of asset management, banking and insurance as well as within our ecosystems to meet the various needs of our customers.
Product and service ecosystems
Insurance and pensions – these are the core of our business operations. Product and service ecosystems link the areas of asset management, banking and insurance. Baloise thus makes a daily contribution to the protection and function of companies, economies, communities and individuals. In this role, Baloise contributes to the economic and social stability of the countries in which it and its customers operate. For this to be possible at all, Baloise must offer long-term security – this cannot be achieved sustainably with only short-term profits.
Examples of Baloise products that help our customers make environmentally aware decisions include our electric car insurance, our e-bike and bike insurance, and our “BaloiseCombi Building” building insurance. With the “Building” safety module, Baloise provides a modernisation budget in cases involving a total loss that is covered by the policy corresponding to 10% of the value of the building (up to a maximum of CHF 50,000) for value-increasing investments. Examples of such investments include:
Structural measures based on the latest Swiss Minergie sustainable building standard
Use of environmentally friendly and healthy construction materials
Heating systems based on renewable energy sources (e.g. photovoltaic installations, geothermal probe)
Measures for a more comfortable home (e.g. more modern kitchen, senior-friendly living)
Climate change is making our climate increasingly difficult to predict. This is a risk that we want to protect our customers from. Baloise’s household insurance covers natural hazards such as high water, storm and hail, as well as destruction, damage or loss due to earthquakes.
The FRI:DAY start-up in Germany, part of the Baloise Group, also offers a climate-neutral car insurance tariff that offsets the CO2 emissions produced by your own vehicle. In cooperation with myclimate, the ECO contribution included in the tariff is invested in selected and certified climate protection projects.
For those drivers who only cover short distances or do not use their car at all on a regular basis, FRI:DAY offers the ideal solution: Germany’s very first and only car insurance policy with a premium that is based on the exact distance covered by the vehicle.
In Switzerland, we are collaborating with the company ryd on a pilot project to usher in the future of networked mobility. Selected customers are given a free ryd box that is installed in their car and makes vehicle data available via an app. Among other things, this also allows them to keep an eye on their consumption and rewards them for driving safely.