and Interpolis collaborate closely on product and service development. The local Rabobanks sell mostly Interpolis-branded non-life, health and term life insurance policies to both private and corporate clients. Close collaboration between Rabobank and Eureko The local Rabobanks are the largest insurance broker in the Netherlands. Through Interpolis, Rabobank clients have access to all of Eureko's products and services. Rabobank's primary supplier, Interpolis offers a comprehensive range of insurance products and services for the retail mass market and SMEs. Rabobank also works with several other insurance companies. At the local Rabobanks, 20% of retail clients have an Alles in één Polis insurance policy and 25% of corporate clients have a Bedrijven Compact Polis insurance policy. Interpolis offers a number of policies that are specially designed for private individuals, including the Alles in één Polis insurance policy and the ZorgActief health insurance policy. Its offering also includes the ZekerVanJeZaak insurance policy for small businesses and the Bedrijven Compact Polis insurance policy for larger enterprises. In addition, life insurance policies from Interpolis can be used with mortgages such as the Rabo OpbouwHypotheek.The number of insurance policies that can be taken out online is increasing, and this is one reason why www.rabobank.nl is increasingly being used by clients as an easy way to arrange insurance. Rabobank Inter national works in tandem with Achmea Corporate Relations in offering insurance solutions to large businesses. Interpolis: transparent and innovative In 2009, Interpolis continued its 'Helder Moment' campaign. Clients ought to think about what kinds of insurance they actually need, particularly in uncertain times such as these, and consider carefully whether risks need to be insured or perhaps could be reduced, and whether they are in fact in a position to bear certain risks themselves. Rabobank and Interpolis work in close partnership to develop new products and services. Among other things, the Rabo Woon- lastenCalculator was developed in 2009 so clients can easily form a picture of their overall housing costs, taking account of more than just mortgage payments and insurance premiums. Another innovation was the Schadehulp iPhone application, which allows car damage claims to be settled directly by mobile phone. ZekerVanJeZaak a success among small businesses In October 2009, one year after first being introduced, the number of ZekerVanJeZaak insu rance policies passed the 10,000 mark. The ZekerVanJeZaak insurance policy from Interpolis offers small businesses a straightforward, comprehensive insurance solution that can be arranged, changed and cancelled at any time. The success of this new insurance solution was a contributing factor in the decline in the number of Bedrijven Compact Polis insurance policies sold by the local Rabobanks, which was down 2% to 191,000 (195,000). The number of Alles in één Polis insurance policies that were taken out was up 2%, rising to 1,317,000 (1,297,000), while the percentage of clients with three or more types of cover under this policy increased from 54.4% to 55.7%. Demand for legal assistance insurance under the Alles in één Polis insurance policy increased, while the number of new sales of home insurance under this policy fell.This fall was partly due to the decline in mortgage lending. Discounts on health insurance for clients and members Rabobank clients are given a 10% discount on the basic premium for the ZorgActief health insurance policy and a 15% discount on additional health cover. In addition, members also receive a free health assessment. Students are given a discount on ZorgActief health insurance cover and a number of additional benefits under the special StudentZorgverzekering health insurance policy. Thanks in part to its highly successful health insurance campaign, Interpolis has managed to outperform this stable market. The number of clients with ZorgActief health insurance policies rose by 4% to 155,000 (150,000). 48 Report 2009 Rabobank Group

Rabobank Bronnenarchief

Annual Reports Rabobank | 2009 | | pagina 49