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A postman at work: Online shoppers are not always satisfied with the condition of the delivery.
Photo: Peter Klaunzer (Keystone)
Spotify does it, Fortnite does it: They offer a basic service for free in the hope that users will then buy additional services. Now the online insurer Smile wants to win new customers with a free offer.
At smile.shopping, every online purchase in Switzerland and from Europe is insured up to a value of CHF 300. The users are protected against defective and undelivered items. The insurance does not cover purchases from Chinese online shops such as Wish. The offer is free of charge.
Insurance protection against personal data
Smile wants to win new customers with the new offer and learn more about them. Because the customer pays for the offer with their data.
First you need the corresponding smartphone app. In this case, your first name, date of birth, mobile phone number and your email address are required to register with smile.shopping. “We are convinced that this is a great added value for both sides and that we can interact better with customers this way,” says Pierangelo Campopiano, head of the online insurer Smile, which is part of the Helvetia Group. The insurer could then address its customers in a more targeted manner and would not have to send mass emails that did not interest them.
“Trading in personal data is a common business model for free services.”
Silvia Böhlen, spokeswoman for the Federal Data Protection and Information Commissioner
For the Federal Data Protection and Information Commissioner, nothing speaks against the offer for the time being. “The trade in personal data is a common business model for free services,” said spokeswoman Silvia Böhlen. It is important that the persons are adequately informed about the processing of their data and the processing purposes so that they can give valid consent.
Alexander Braun, insurance expert at the University of St. Gallen (HSG), believes that this new type of offer has a chance in Switzerland: “Since it is a cover for online purchases, the product offers obvious benefits for consumers with an affinity for digital. » The success of the model will, however, depend on the extent to which the insurer can motivate users to use the app regularly after the first download and then buy additional offers.