{"product_id":"unipol-business-model-canvas","title":"Unipol Gruppo Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUnipol Gruppo: Business Model Canvas Revealing How Integrated Insurance \u0026amp; Finance Create Lasting Value\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore Unipol Gruppo's Business Model Canvas to quickly see how insurance, banking and real-estate activities combine into customer-focused solutions, steady revenue streams and a robust asset base. This practical, company-specific guide gives investors, consultants and strategists the actionable insights they need to evaluate growth opportunities, risks and value creation.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Bancassurance Alliances\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUnipol Gruppo leverages bancassurance ties with BPER Banca and Banca Popolare di Sondrio to sell insurance across ~2,200 bank branches, avoiding extra retail costs; bancassurance accounted for roughly 28% of group gross premiums in 2024 (€6.8bn of €24.3bn). By 2025 these alliances use shared digital platforms and GDPR-compliant data-sharing to lift cross-sell conversion rates by an estimated 12-15%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eReinsurance Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUnipol partners with global reinsurers (Munich Re, Swiss Re, Hannover Re) to transfer excess liability and stabilise capital-reinsurance covered ~€2.1bn of Nat Cat exposure in 2024-ensuring claims payability during shocks and volatility.\u003c\/p\u003e\n\u003cp\u003eThese ties require detailed actuarial data exchange and joint risk models, enabling competitive ceded rates and tailored coverage for complex industrial risks, reducing Solvency II capital strain by an estimated 8-12% in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAutomotive and Mobility Tech Partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpas a leader in black-box telematics unipol gruppo partners with oems and vendors to feed real-time driving data into underwriting improving loss ratios policies cut claims frequency up by end-2025 these alliances expanded ev charging networks micro-mobility startups unlocking pay-per-use products emergency assistance integrations across million connected vehicles.\u003e\n\u003c\/pas\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHealthcare and Welfare Networks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe group contracts with over 3,200 private clinics and 6,500 diagnostic centers, plus 28,000 healthcare professionals to back its health insurance and corporate welfare lines, securing negotiated rates that raise perceived product value and lower claims costs.\u003c\/p\u003e\n\u003cp\u003eAs a pillar of Beyond Insurance, this network delivered 1.2 million corporate-welfare services in 2024, integrating preventive care and employee wellbeing directly into client programs.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e3,200+ clinics\u003c\/li\u003e\n\u003cli\u003e6,500 diagnostic centers\u003c\/li\u003e\n\u003cli\u003e28,000 healthcare professionals\u003c\/li\u003e\n\u003cli\u003e1.2M welfare services (2024)\u003c\/li\u003e\n\u003cli\u003eNegotiated-rate access, lower claims\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eReal Estate and Hospitality Operators\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThrough UNA Group, Unipol partners with international tourism agencies and property managers to boost occupancy across ~7,500 hotel rooms and 1.2 million sq m of real estate, generating recurring non-insurance revenue (~€150m revenue contribution in 2024).\u003c\/p\u003e\n\u003cp\u003eThese alliances prioritize sustainable urban development and energy-efficient building management, cutting portfolio energy use by ~18% since 2020 and supporting Unipol's ESG targets.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e7,500 hotel rooms\u003c\/li\u003e\n\u003cli\u003e1.2 million sq m real estate\u003c\/li\u003e\n\u003cli\u003e€150m non-insurance revenue (2024)\u003c\/li\u003e\n\u003cli\u003e-18% portfolio energy use since 2020\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUnipol partnerships fuel distribution, risk transfer, innovation \u0026amp; €150m+ recurring revenue\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUnipol's key partnerships-bancassurance (BPER, BPS: ~2,200 branches; 28% of gross premiums, €6.8bn in 2024), reinsurers (Munich Re, Swiss Re, Hannover Re: €2.1bn Nat Cat ceded in 2024), telematics\/OEMs (1.6M connected vehicles; 12% lower claims freq.), healthcare network (3,200 clinics; 6,500 centers; 28,000 pros; 1.2M welfare services) and UNA real estate (7,500 rooms; €150m non-insurance rev 2024) drive distribution, risk transfer, product innovation and recurring income.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBancassurance\u003c\/td\u003e\n\u003ctd\u003eBranches \/ Premiums\u003c\/td\u003e\n\u003ctd\u003e~2,200 \/ €6.8bn (28%)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eReinsurers\u003c\/td\u003e\n\u003ctd\u003eNat Cat ceded\u003c\/td\u003e\n\u003ctd\u003e€2.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTelematics\/OEMs\u003c\/td\u003e\n\u003ctd\u003eConnected vehicles \/ claims\u003c\/td\u003e\n\u003ctd\u003e1.6M \/ -12% freq.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHealthcare network\u003c\/td\u003e\n\u003ctd\u003eProviders \/ services\u003c\/td\u003e\n\u003ctd\u003e3,200\/6,500\/28,000 \/ 1.2M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eUNA real estate\u003c\/td\u003e\n\u003ctd\u003eRooms \/ non-insurance rev\u003c\/td\u003e\n\u003ctd\u003e7,500 \/ €150m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise Business Model Canvas for Unipol Gruppo detailing customer segments, channels, value propositions, revenue streams, key activities, resources, partnerships, cost structure and governance, reflecting its integrated insurance, banking and mobility services; ideal for presentations, investor discussions and strategic planning with SWOT-linked insights and competitive advantage analysis across the nine BMC blocks.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eCompact one-page Business Model Canvas for Unipol Gruppo that condenses its insurance and banking strategy into editable cells-ideal for quick boardroom reviews, team collaboration, and saving hours on formatting while comparing models side-by-side.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Underwriting and Actuarial Analysis\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eRisk underwriting and actuarial analysis assesses life, property and casualty exposures to set premiums that matched loss experience; Unipol Gruppo used predictive models on €24.6bn GWP (2024) and claims history to target combined ratios near 94% in 2024.\u003c\/p\u003e\n\u003cp\u003eAI\/ML models, rolled out across pricing by 2025, improved hit-rate for tariff adjustments by ~12% and reduced reserve volatility, supporting profitable product retention and competitive client coverage.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eClaims Management and Settlement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUnipol runs a large claims-processing network handling everything from minor motor accidents to complex corporate liability cases, settling about 1.2 million claims in 2024 and paying €4.1bn in claims that year to keep fulfillment rates high. The unit prioritizes fast, fair settlements to cut disputes and has scaled digital photo-appraisals and automated workflows-now used in ~48% of motor claims-reducing average lead time by ~22% versus 2021.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestment and Asset Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUnipol Gruppo manages roughly €90bn of investments from premiums to fund long-term liabilities, using strategic allocation to government bonds, equities and alternatives like real estate to target stable returns; by Q4 2025 about 15% of AUM is earmarked for impact investing and green finance under its internal ESG framework, with a 5.2% target portfolio yield and duration matched to policy liabilities.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Ecosystem Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eUnipol prioritizes a unified digital ecosystem that integrates insurance, banking, and mobility-driving projects like UnipolMove electronic tolling and a revamped policy-management mobile app to boost cross-sell and retention.\u003c\/p\u003e\n\u003cp\u003eOngoing software releases, real-time fraud detection, and ISO 27001-aligned cybersecurity protect \u0026gt;11 million customers and support €1.2bn annual IT spend (2024), ensuring seamless omnichannel service.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eUnipolMove tolling rollout\u003c\/li\u003e\n\u003cli\u003eMobile app upgrades for policies\u003c\/li\u003e\n\u003cli\u003eContinuous updates \u0026amp; ISO 27001 security\u003c\/li\u003e\n\u003cli\u003eSupports \u0026gt;11M customers\u003c\/li\u003e\n\u003cli\u003e€1.2bn IT spend in 2024\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDistribution Network Coordination\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpmanaging the largest agency network in italy unipol gruppo trains and incentivizes agents through annual programs costing to sell complex life welfare motor products keeping brand consistency service standards across regions.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~5,000 agents (2024)\u003c\/li\u003e\n\u003cli\u003e€25m annual training investment (2024)\u003c\/li\u003e\n\u003cli\u003eCoverage: 20 Italian regions\u003c\/li\u003e\n\u003cli\u003eFocus: life, welfare, motor product cross‑selling\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pmanaging\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLeading insurer: €24.6bn GWP, €90bn AUM, €4.1bn claims, €1.2bn IT, 5,000 agents\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCore activities: underwriting \u0026amp; pricing (€24.6bn GWP 2024; target combined ratio ~94%), claims processing (1.2M claims, €4.1bn paid 2024; 48% motor digital), investments (€90bn AUM; 15% green by Q4 2025; 5.2% yield target), digital platforms \u0026amp; IT (€1.2bn IT spend 2024; \u0026gt;11M customers), agency network (~5,000 agents; €25m training 2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\/2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eGWP\u003c\/td\u003e\n\u003ctd\u003e€24.6bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eClaims paid\u003c\/td\u003e\n\u003ctd\u003e€4.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM\u003c\/td\u003e\n\u003ctd\u003e€90bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT spend\u003c\/td\u003e\n\u003ctd\u003e€1.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAgents\u003c\/td\u003e\n\u003ctd\u003e~5,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eDelivered as Displayed\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the exact Unipol Gruppo Business Model Canvas you'll receive after purchase-not a mockup or sample. Upon completing your order, you'll get this same professional, ready-to-edit file in Word and Excel formats, with all sections and content included. No placeholders, no surprises-what you see is what you'll download instantly and use for analysis, presentation, or strategy work.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBrand Reputation and Market Leadership\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe Unipol and UnipolSai brands signal trust and financial solidity to ~15 million Italian clients and firms, backed by Unipol Group's 2024 combined gross written premiums of €22.5 billion and Solvency II ratio near 200%-an intangible asset that boosts acquisition and retention in a crowded financial services market. As Italy's top P\u0026amp;C insurer with ~25% market share in 2024, the brand gives strong leverage in partner talks and market-entry moves.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eVast Proprietary Data and Telematics\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eWith millions of installed black boxes across Italy and Spain, Unipol Gruppo holds one of the world's largest driving-behavior databases-over 8 million devices and 65 billion trip records by 2025-enabling granular, personalized pricing and a 15-25% improvement in loss ratio versus peers. By 2025 the dataset expanded to include property and health signals, boosting predictive analytics that underpinned €120m in underwriting savings that year.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExtensive Physical Agency Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe network of over 2,000 Unipol Gruppo agencies across Italy provides on-the-ground presence and personalized advice, supporting roughly 60% of gross written premiums in 2024 through face-to-face, advisory sales.\u003c\/p\u003e\n\u003cp\u003eHard to copy for digital-only rivals, these agencies are local hubs for the Beyond Insurance strategy, delivering mobility, home assistance and ancillary services that drove a 12% increase in non-insurance revenue in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Capital and Solvency Reserves\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eUnipol Gruppo maintains robust capital buffers with a Solvency II ratio around 210% at YE 2024, ensuring capacity to absorb shocks and meet large-scale claims while supporting M\u0026amp;A dry powder.\u003c\/p\u003e\n\u003cp\u003eThese reserves are audited quarterly and disclosed in IFRS and regulatory reports to reassure institutional investors and rating agencies, contributing to stable credit assessments.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSolvency II ratio ~210% (YE 2024)\u003c\/li\u003e\n\u003cli\u003eQuarterly audited reserves; IFRS disclosures\u003c\/li\u003e\n\u003cli\u003eLiquidity for major claims and acquisitions\u003c\/li\u003e\n\u003cli\u003eConfidence support for investors and ratings\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdvanced IT and AI Infrastructure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpthe group centralized it and ai stack powers hft in asset management real-time claims with invested cloud since cutting processing time enabling faster product launches.\u003e\n\u003cpthis infra lets unipol scale mobility services nationwide supports assets under management and reduced operational costs by in\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e€420m cloud\/AI spend since 2020\u003c\/li\u003e\n\u003cli\u003e70% faster claims processing\u003c\/li\u003e\n\u003cli\u003e4x speed in product deployment\u003c\/li\u003e\n\u003cli\u003e€150bn AUM supported\u003c\/li\u003e\n\u003cli\u003e12% operational cost reduction in 2024\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pthis\u003e\u003c\/pthe\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUnipol: 15M clients, €150bn AUM, 8M telematics-€120M savings \u0026amp; 210% Solvency II\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUnipol's key resources: trusted brands reaching ~15M clients; 8M+ telematics devices (65B trips) enabling €120m underwriting savings (2025); 2,000+ agencies driving 60% of GWP; Solvency II ~210% (YE2024); €420m cloud\/AI spend since 2020 supporting €150bn AUM and 70% faster claims.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eClients\u003c\/td\u003e\n\u003ctd\u003e~15M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTelematics devices\u003c\/td\u003e\n\u003ctd\u003e8M+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTrips\u003c\/td\u003e\n\u003ctd\u003e65B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eUnderwriting savings (2025)\u003c\/td\u003e\n\u003ctd\u003e€120M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAgencies\u003c\/td\u003e\n\u003ctd\u003e2,000+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eShare of GWP via agencies\u003c\/td\u003e\n\u003ctd\u003e60%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSolvency II (YE2024)\u003c\/td\u003e\n\u003ctd\u003e~210%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCloud\/AI spend since 2020\u003c\/td\u003e\n\u003ctd\u003e€420M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM supported\u003c\/td\u003e\n\u003ctd\u003e€150bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIntegrated Beyond Insurance Solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUnipol combines insurance with mobility, home, and health services so customers handle car cover, pay tolls via UnipolMove, and book repairs with one provider; in 2024 Unipol reported 1.8 million UnipolMove users and €1.2bn non-life service revenues, showing this cross-sell scale.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonalized and Data-Driven Pricing\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUnipol uses telematics and analytics to price premiums to actual driving behavior, cutting average claims cost by up to 15% per telematics policy (2024 group data) and offering pay-as-you-drive rates that reward safe habits. This behavior-based pricing raises perceived fairness and appeals to younger, tech-savvy customers-telemetry uptake reached ~1.2M policies in 2024, improving retention and lowering loss ratios.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Security and Reliability\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUnipol Gruppo, with over 70 years in Italy and a Solvency II ratio of ~210% at YE 2024, offers retail clients peace of mind via proven balance-sheet strength and stable capital generation. For life and pension plans it guarantees long-term protection of savings and fulfillment of future obligations, making it a preferred low-risk wealth-management choice for conservative investors.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOmnichannel Accessibility and Convenience\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eCustomers get seamless omnichannel access across Unipol Gruppo's 2,200+ agencies and mobile apps, combining in-person advice with 24\/7 self-service; in 2024 digital sales reached ~28% of premiums, improving NPS and cutting claim processing time by ~15%.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2,200+ agencies + apps\u003c\/li\u003e\n\u003cli\u003e28% digital premium sales (2024)\u003c\/li\u003e\n\u003cli\u003e24\/7 mobile self-service\u003c\/li\u003e\n\u003cli\u003e-15% claim process time\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eComprehensive Corporate Welfare Systems\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eUnipol offers integrated, modular welfare packages-health, pension, and life cover-that help firms attract and retain talent by improving employee quality of life while cutting employer admin; in 2024 Unipol reported ~€1.2bn in welfare premiums and served over 2.5m corporate beneficiaries.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eModular plans for SMEs to multinationals\u003c\/li\u003e\n\u003cli\u003eReduces HR admin and compliance costs\u003c\/li\u003e\n\u003cli\u003eImproves retention and employee wellbeing\u003c\/li\u003e\n\u003cli\u003e€1.2bn welfare premiums (2024), 2.5m beneficiaries\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUnipol: 1.8M mobility users, €1.2bn welfare, 210% Solvency II-digital speeds claims, boosts cross-sell\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUnipol bundles insurance, mobility (1.8M UnipolMove users), telematics (≈1.2M policies) and welfare (€1.2bn premiums; 2.5M beneficiaries), backed by Solvency II ~210% (YE 2024) and 2,200+ agencies; digital sales 28% cut claim time ~15%, enabling cross-sell, behavior pricing, and employer solutions.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eUnipolMove users\u003c\/td\u003e\n\u003ctd\u003e1.8M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTelematics policies\u003c\/td\u003e\n\u003ctd\u003e1.2M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWelfare premiums\u003c\/td\u003e\n\u003ctd\u003e€1.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWelfare beneficiaries\u003c\/td\u003e\n\u003ctd\u003e2.5M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSolvency II\u003c\/td\u003e\n\u003ctd\u003e~210%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAgencies\u003c\/td\u003e\n\u003ctd\u003e2,200+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital sales\u003c\/td\u003e\n\u003ctd\u003e28%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eClaim time reduction\u003c\/td\u003e\n\u003ctd\u003e-15%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProfessional Agency-Based Advisory\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe primary model relies on long-term trust between local Unipol agents and policyholders, with personalized consultations-agents act as dedicated advisors guiding clients through complex financial choices and adjusting coverage across life stages.\u003c\/p\u003e\n\u003cp\u003eThis high-touch approach drives retention: Unipol reported a 2024 renewal rate of ~88% in life \u0026amp; health lines and agents manage ~420k policies per 1,000 agents on average, underscoring advisory value in maintaining loyalty.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Self-Service and Mobile Engagement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cpthrough the unipolsai app customers self-manage policies and report claims reducing service cost per claim improving nps in logged over million active users handled of submissions digitally. automated push notifications personalized offers-driven by in-app behavior-support frequent touchpoints like loyalty checks mobility payments keeping unipol top-of-mind raising retention an estimated year-on-year.\u003e\n\u003c\/pthrough\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLoyalty and Reward Programs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUnipolSai Rewards boosts retention with discounts, vouchers and exclusive UNA hotel access, raising NPS and policy renewal rates-member households grew to 3.2M by 2024 and retention rose ~4.5ppt versus non-members. Programs add stickiness by delivering value beyond cover; by 2025 rewards tie to sustainable actions (EV ownership, public transit) and contributed to a 12% uptake in telematics eco-driving discounts.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDedicated Corporate Account Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eUnipol Gruppo assigns specialized account managers to large enterprises and institutional partners to manage complex risk portfolios and welfare schemes, with regular strategic reviews and customized reporting so solutions evolve with client businesses; in 2024 Unipol reported corporate premiums ~€6.2bn, highlighting scale.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDedicated managers for enterprises\u003c\/li\u003e\n\u003cli\u003eQuarterly strategic reviews and bespoke reports\u003c\/li\u003e\n\u003cli\u003eFocus on risk-mitigation partnership, not vendor role\u003c\/li\u003e\n\u003cli\u003eCorporate premiums ~€6.2bn (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003e24\/7 Assistance and Emergency Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eUnipol Gruppo provides 24\/7 emergency helplines and real-time roadside, home, and medical assistance, acting at the customer's moment of truth to reduce loss and distress.\u003c\/p\u003e\n\u003cp\u003eFast, empathetic responses drive retention and referrals; Unipol reported 2024 claims-handling satisfaction of ~88% and reduced emergency claim resolution time by 22% year-on-year.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eContinuous presence: 24\/7 helplines\u003c\/li\u003e\n\u003cli\u003eScope: roadside, home, medical crises\u003c\/li\u003e\n\u003cli\u003eImpact: 88% satisfaction (2024)\u003c\/li\u003e\n\u003cli\u003eEfficiency: -22% resolution time YoY\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUnipol: Hybrid agent + app drives 88% satisfaction, €6.2bn corporate premiums\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUnipol blends high-touch agent advisory (420k policies per 1,000 agents) with digital self-service (8M active app users; 42% digital claims in 2024), rewards (3.2M members; +4.5ppt retention) and corporate account teams (corporate premiums €6.2bn), delivering 24\/7 assistance, 88% claims satisfaction and -22% emergency resolution time YoY.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eApp users (active)\u003c\/td\u003e\n\u003ctd\u003e8,000,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital claims share\u003c\/td\u003e\n\u003ctd\u003e42%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAgent load\u003c\/td\u003e\n\u003ctd\u003e420,000 policies\/1,000 agents\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRenewal rate (life \u0026amp; health)\u003c\/td\u003e\n\u003ctd\u003e~88%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRewards members\u003c\/td\u003e\n\u003ctd\u003e3,200,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate premiums\u003c\/td\u003e\n\u003ctd\u003e€6.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eClaims satisfaction\u003c\/td\u003e\n\u003ctd\u003e88%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEmergency resolution YoY\u003c\/td\u003e\n\u003ctd\u003e-22%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExtensive Physical Agency Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe cornerstone of Unipol Gruppo's distribution is its network of about 3,200 branded agencies across Italy, giving physical reach for complex insurance sales and strong local engagement; these agencies remain the primary contact for roughly 65% of retail customers. In 2025, the offices also act as service hubs for the group's mobility and welfare offerings, handling claims, fleet services and welfare enrollments that represented an estimated €420m in related revenues in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBancassurance Distribution Partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUnipol uses partner bank branches-notably BPER Banca and Credito Valtellinese (Banca Sondrio)-to sell life, mortgage-linked, and standardized property \u0026amp; casualty policies, tapping banks' 1,500+ branches and ~4.5 million retail clients as of 2024. Integration into bank apps and teller workflows lifts conversion: bancassurance sales account for about 28% of UnipolSai new life premiums and show persistency rates ~6-8% points higher than direct channels.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDirect Digital Platforms and Apps\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe group's websites and mobile apps act as direct-to-consumer channels for simple products (motor, travel), offering instant quotes, online purchase and self-service policy management without intermediaries; in 2024 digital sales accounted for ~18% of Unipol Gruppo's direct P\u0026amp;C retail premiums (€1.2bn of €6.7bn). The UnipolMove app has become a key acquisition funnel, generating ~250k new customer leads in 2024 who convert to insurance prospects through integrated mobility offers.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporate Brokers and Institutional Sales\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eFor large industrial risks and complex employee-benefit programs, Unipol Gruppo uses professional corporate brokers to place high-value, bespoke contracts needing technical negotiation and specialized underwriting; in 2024 broker-originated commercial premiums represented about 28% of the group's non-life portfolio (~€2.1bn of €7.5bn non-life premium, Unipol FY2024).\u003c\/p\u003e\n\u003cp\u003eThe group keeps strong ties with leading Italian brokers and global firms to win top-tier corporate clients, supporting tailored solutions and reinsurance placement; broker channel accounted for ~35% of new commercial renewals in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFocus: large industrial risks, employee-benefit schemes\u003c\/li\u003e\n\u003cli\u003eValue: bespoke contracts, technical negotiations\u003c\/li\u003e\n\u003cli\u003eNetwork: Italian + international brokers\u003c\/li\u003e\n\u003cli\u003e2024: ~€2.1bn broker-originated non-life premiums\u003c\/li\u003e\n\u003cli\u003e2024 renewals: ~35% via broker channel\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDirect Phone and Linear Insurance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe Linear brand runs a direct-response channel (phone + internet) targeting price-sensitive motor customers, offering streamlined underwriting and claims for standard policies and competing on price and speed.\u003c\/p\u003e\n\u003cp\u003eIn 2024 Linear wrote ~€420m GWP within Unipol Gruppo, grew online quotes 18% YoY, and serves a younger, agency-averse segment useful for A\/B testing digital marketing and rate strategies.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDirect channels: phone + web\u003c\/li\u003e\n\u003cli\u003eFocus: price-sensitive motor policies\u003c\/li\u003e\n\u003cli\u003e2024 GWP: ~€420m\u003c\/li\u003e\n\u003cli\u003eOnline quotes growth 2024: +18% YoY\u003c\/li\u003e\n\u003cli\u003eUse: digital marketing and pricing experiments\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOmnichannel strength: Agencies, bancassurance \u0026amp; digital drive €4.2bn+ premiums in 2024\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eChannels: 3,200 agencies (~65% retail contact); bancassurance via BPER\/Credito Valtellinese (1,500+ branches, ~4.5M clients; bancassurance = ~28% new life premiums); digital (18% direct P\u0026amp;C retail premiums, €1.2bn in 2024; UnipolMove 250k leads); brokers: €2.1bn non-life via brokers (2024), 35% renewals; Linear direct: €420m GWP (2024), +18% online quotes.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003eKey 2024 metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eAgencies\u003c\/td\u003e\n\u003ctd\u003e3,200; 65% retail\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBancassurance\u003c\/td\u003e\n\u003ctd\u003e1,500+ branches; 28% new life\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital\u003c\/td\u003e\n\u003ctd\u003e€1.2bn; 18% P\u0026amp;C\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBrokers\u003c\/td\u003e\n\u003ctd\u003e€2.1bn; 35% renewals\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLinear\u003c\/td\u003e\n\u003ctd\u003e€420m GWP; +18% quotes\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMass Market Retail Individuals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThis segment covers millions of Italian households-Unipol reported ~5.2 million retail motor policies and 3.1 million home\/household policies in 2024-seeking reliable, easy access and competitive pricing; most customers enter via mandatory motor cover, so Unipol pushes bundled auto+home+life packs and loyalty rebates to raise policies per household from 1.6 to a target 2.2.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSmall and Medium Enterprises (SMEs)\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSMEs, making up 99.9% of Italian firms and employing ~61% of workers (ISTAT 2023), need tailored cover for business interruption, liability, and employee protection; Unipol sells modular, industry-specific packages for agriculture, manufacturing, and retail with add-ons for wage replacement and supply-chain interruption. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLarge Corporate and Industrial Clients\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThis segment covers national and international large corporates needing bespoke underwriting, high limits, and complex claims handling for cyber, environmental, and D\u0026amp;O risks; Unipol Gruppo served ~1,200 large clients in 2024, generating an estimated €1.1bn in commercial P\u0026amp;C premiums (FY 2024). The group assigns dedicated technical teams and leverages global reinsurance programs covering excess-loss layers up to €500m per event to manage cross-border exposures.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePublic Administration and Institutional Bodies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eUnipol insures central, regional and local governments plus public hospitals and universities, covering infrastructure, health services and public-official liability; public tenders drive sales and demand strict compliance and transparency.\u003c\/p\u003e\n\u003cp\u003eIn 2024 Unipol reported ~€1.8bn in non-life premiums from institutional clients, offering stable, long-duration income and reinforcing its role in Italy's social services network.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eClients: central, regional, local governments, hospitals, universities\u003c\/li\u003e\n\u003cli\u003eProducts: infrastructure, health, liability\u003c\/li\u003e\n\u003cli\u003eSales: via public tenders, high compliance\u003c\/li\u003e\n\u003cli\u003e2024 non-life premiums: ≈€1.8bn\u003c\/li\u003e\n\u003cli\u003eBenefit: stable, long-term premiums, social role\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eModern Mobility Users\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eModern Mobility Users value flexible transport over car ownership-car‑sharing and micro‑mobility grew 18% CAGR in Italy 2019-2024, and Unipol targets them with on‑demand insurance plus e‑toll and parking payment services.\u003c\/p\u003e\n\u003cp\u003eBy 2025 Unipol plans to cross‑sell digital‑first insurance and financial products to this segment, which accounts for an estimated 12-15% of urban adults in major Italian cities.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e18% CAGR car‑sharing\/micro‑mobility (2019-2024)\u003c\/li\u003e\n\u003cli\u003e12-15% of urban adults targetable by 2025\u003c\/li\u003e\n\u003cli\u003ePrimary products: on‑demand insurance, e‑toll, parking payments\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInsurance market 2025: digital retail bundles, modular SME packs, bespoke corporate \u0026amp; on‑demand mobility\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eRetail households (≈5.2M motor, 3.1M home policies 2024) seek bundled, digital-first cover; SMEs (99.9% firms, 61% employment ISTAT 2023) need modular business packs; large corporates (~1,200 clients, ~€1.1bn commercial P\u0026amp;C premiums 2024) require bespoke underwriting and reinsurance; public sector drives €1.8bn non-life 2024; mobility users (18% CAGR car‑sharing 2019-24) target on‑demand products.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eKey metrics 2024\/2025\u003c\/th\u003e\n\u003cth\u003eMain products\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail\u003c\/td\u003e\n\u003ctd\u003e5.2M motor; 3.1M home\u003c\/td\u003e\n\u003ctd\u003eBundles, digital sales\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSMEs\u003c\/td\u003e\n\u003ctd\u003e99.9% firms; 61% workforce\u003c\/td\u003e\n\u003ctd\u003eModular business cover\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLarge corporates\u003c\/td\u003e\n\u003ctd\u003e~1,200 clients; €1.1bn P\u0026amp;C\u003c\/td\u003e\n\u003ctd\u003eBespoke, high-limit\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePublic sector\u003c\/td\u003e\n\u003ctd\u003e€1.8bn non-life\u003c\/td\u003e\n\u003ctd\u003eInfrastructure, health\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobility users\u003c\/td\u003e\n\u003ctd\u003e18% CAGR car-share (2019-24); 12-15% urban target 2025\u003c\/td\u003e\n\u003ctd\u003eOn-demand, e-payments\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnical Insurance Costs and Claims Payouts\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe group's largest expense is claims settlement: in 2024 Unipol Gruppo paid about €7.2bn in claims and reinstatement costs, plus legal and appraisal fees, which drive the technical margin.\u003c\/p\u003e\n\u003cp\u003eControlling the loss ratio via precise underwriting and fraud detection is critical-Unipol reported a combined ratio of ~103% in 2024-while volatility from natural disasters or changes to personal injury compensation laws can swing payouts materially.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDistribution Commissions and Incentives\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eDistribution commissions and incentives represent a major cost for Unipol Gruppo, totaling about €1.2bn in 2024 (roughly 18% of net premiums earned), paid to its agency network and bancassurance partners to drive new sales and renewals; these payments sustain the large physical distribution footprint and motivate sales staff. The group regularly adjusts commission mixes and bonus schemes to keep agents profitable while targeting combined ratio improvements and competitive premiums.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIT, Digital Transformation, and R\u0026amp;D\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpmaintaining and upgrading unipol gruppo tech core demands significant recurring spend-about yearly on it cybersecurity data analytics as of the beyond insurance mobility ecosystem ai automation. by late roughly r is earmarked for generative integration in customer service underwriting shifting capex toward software cloud platforms.\u003e\n\u003c\/pmaintaining\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel and Administrative Expenses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpunipol gruppo employs specialists driving fixed personnel costs-salaries benefits and hq upkeep-that accounted for roughly of operating expenses in ongoing efficiency programs aim to shave back-office costs by annually.\u003e\n\u003cp class=\"lst_crct\"\u003e\n\u003c\/p\u003e\u003cli\u003e~8,200 employees (2024)\u003c\/li\u003e\n\u003cli\u003ePersonnel ≈28% of operating expenses (2024)\u003c\/li\u003e\n\u003cli\u003eHQ, offices, benefits-major fixed costs\u003c\/li\u003e\n\u003cli\u003eEfficiency targets: 5-7% back-office savings\/year\u003c\/li\u003e\n\n\u003c\/punipol\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMarketing, Branding, and Customer Acquisition\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eUnipol Gruppo spends heavily to sustain market-leading brand awareness-roughly €220-250m annually in advertising, sponsorships and digital campaigns (2024 spend range), targeting motor and health insurance acquisition in competitive Italian markets.\u003c\/p\u003e\n\u003cp\u003eThe group also allocates ~€15-25m yearly to ESG communications to show social responsibility and support retention among sustainability-conscious customers.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAnnual marketing spend: €220-250m (2024)\u003c\/li\u003e\n\u003cli\u003eESG\/CSR communication: €15-25m\/year\u003c\/li\u003e\n\u003cli\u003eFocus: motor, health segments; digital channels and sponsorships\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCosts breakdown: €7.2bn claims, €1.2bn commissions, €220-260m IT, €220-250m marketing\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMajor costs: claims €7.2bn (2024), distribution commissions €1.2bn (≈18% of net premiums, 2024), personnel ~8,200 staff (personnel ≈28% of opex), IT €220-260m (2024-25), marketing €220-250m (2024), ESG comms €15-25m.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eItem\u003c\/th\u003e\n\u003cth\u003e2024\/25\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eClaims\u003c\/td\u003e\n\u003ctd\u003e€7.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCommissions\u003c\/td\u003e\n\u003ctd\u003e€1.2bn (18%)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePersonnel\u003c\/td\u003e\n\u003ctd\u003e~8,200 (28% opex)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT\u003c\/td\u003e\n\u003ctd\u003e€220-260m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarketing\u003c\/td\u003e\n\u003ctd\u003e€220-250m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eESG comms\u003c\/td\u003e\n\u003ctd\u003e€15-25m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProperty and Casualty (P\u0026amp;C) Premiums\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe primary revenue comes from premiums on motor, home and general liability policies; in 2024 Unipol Gruppo reported roughly €6.1bn in non-life premiums, led by motor lines which remain mandatory and high-volume. As Italy's P\u0026amp;C market leader, Unipol's diversified base (millions of retail and SME customers) delivers stable, recurring cash flow, with rising take-up of supplemental health and property protections boosting premium growth by ~3.5% vs. 2023.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLife Insurance and Pension Premiums\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eRevenue comes from selling life insurance, annuities, and private pension plans to retirees and wealth-transfer clients; in 2024 Unipol Gruppo reported about €4.1bn life technical revenues, reflecting long-term premium flows and high persistency. These contracts create sizeable assets under management-Unipol's investment portfolio was €114.5bn at YE 2024-so income includes risk-based premiums plus management fees on unit-linked products.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBanking Fees and Financial Service Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpthrough its banking stakes and financial subsidiaries unipol earned about million euros in commission fee income mainly from wealth management payment services consumer credit including brokerage account maintenance third-party product distribution. this shifts roughly of group revenues toward non-insurance recurring fee-based reducing reliance on pure underwriting risk.\u003e\n\u003c\/pthrough\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMobility and Telematics Service Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eUnipol's Beyond Insurance drives recurring revenue via UnipolMove electronic tolling, parking subscriptions, and fleet telematics, turning data services into a high-growth income stream that leverages the group's IoT and cloud stack.\u003c\/p\u003e\n\u003cp\u003eBy 2025 these mobility and telematics fees materially boost top-line growth-Unipol reports double-digit CAGR in services segment and ~€120m revenue from mobility services in 2024, signaling rising margin diversification.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSubscription-based: UnipolMove tolling and parking\u003c\/li\u003e\n\u003cli\u003eFleet: telematics data \u0026amp; management services\u003c\/li\u003e\n\u003cli\u003e2024 mobility revenue ≈ €120m; double-digit CAGR to 2025\u003c\/li\u003e\n\u003cli\u003eLeverages IoT, cloud, and customer data for upsell\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eReal Estate, Hospitality, and Investment Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe group earns substantial cash flow from its ~4.5 billion euro real estate portfolio and the UNA Hotels chain (over 130 properties), while investment of insurance reserves produced roughly 1.2 billion euro in interest, dividends and realized gains in 2024, helping cover technical insurance losses and funding M\u0026amp;A and capex.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eReal estate NAV ≈ €4.5bn (2024)\u003c\/li\u003e\n\u003cli\u003eUNA Hotels: 130+ properties\u003c\/li\u003e\n\u003cli\u003eInvestment income 2024 ≈ €1.2bn\u003c\/li\u003e\n\u003cli\u003eOffsets claim volatility, funds strategic expansion\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003e€11.9bn core revenues, €4.5bn real estate NAV \u0026amp; growing mobility and fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePrimary revenue: non-life premiums €6.1bn (2024), life technical revenues €4.1bn (2024), fee income €420m (2024), mobility services €120m (2024) with double-digit CAGR to 2025, investment income €1.2bn (2024), real estate NAV €4.5bn, UNA Hotels 130+ properties.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNon-life premiums\u003c\/td\u003e\n\u003ctd\u003e€6.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLife revenues\u003c\/td\u003e\n\u003ctd\u003e€4.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFee income\u003c\/td\u003e\n\u003ctd\u003e€420m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobility\u003c\/td\u003e\n\u003ctd\u003e€120m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInvestment income\u003c\/td\u003e\n\u003ctd\u003e€1.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eReal estate NAV\u003c\/td\u003e\n\u003ctd\u003e€4.5bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"4P Marketing Mix","offers":[{"title":"Default Title","offer_id":64254983242077,"sku":"unipol-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1058\/5151\/9325\/files\/unipol-canvas-business-model.webp?v=1776784376","url":"https:\/\/4pmarketingmix.com\/products\/unipol-business-model-canvas","provider":"4P Marketing Mix","version":"1.0","type":"link"}