Marketing, Brand and Customer Experience Director at Sara Assicurazioni
- Before discussing the market and innovation, could you briefly tell us about your professional background and your current role at Sara Assicurazioni?
My professional journey has developed vertically within marketing and digital transformation, with a constant focus on creating value through product innovation and customer centricity. Today, as Marketing, Brand and Customer Experience Director at Sara Assicurazioni, I am responsible for leading brand positioning strategies, evolving our product offering, and enhancing customer services.
Our goal is to translate Sara’s long-standing and deep-rooted vocation in the mobility sector into contemporary, technology-driven solutions capable of anticipating and meeting emerging protection and service needs.
- Over the past few years, the insurance industry has changed significantly, partly thanks to advancements in technology and mobility. How is a company like Sara Assicurazioni experiencing this transformation?
We strive to be at the forefront of this transformation, viewing change not as a threat but as an extraordinary opportunity for growth and evolution. Modern mobility has moved beyond the traditional concept of travelling from point A to point B, becoming a fluid, multimodal and highly interconnected ecosystem.
At Sara, we anticipated this shift by evolving our offering from a purely compensatory and reactive approach to one focused on active protection, assistance and risk prevention.
Today, our telematics ecosystem represents the state of the art in the market and covers the entire mobility spectrum. We offer tailored connected insurance solutions for cars, dedicated products for motorcycles, and advanced platforms for commercial vehicles. Through intelligent data analysis, we are able to accelerate tariff personalization, concretely rewarding safe driving behaviours while ensuring transparency and cost control for our policyholders.
- In an increasingly technological and data-driven environment, how important is it today for an insurance company to collaborate with technology partners to accelerate innovation and develop new customer services?
Strategic collaboration with leading technology partners has become an essential competitive factor. No insurance company, regardless of its size or structure, can realistically innovate alone at the pace demanded by today’s technology market.
Partnering with a leader such as OCTO enables us to combine our actuarial and risk management expertise with cutting-edge IoT infrastructures, proprietary algorithms and advanced data analytics capabilities.
This synergy is crucial because it allows us to transform vast amounts of raw data into high-value, actionable insights. For Sara Assicurazioni, this translates into a shorter time-to-market for new services, faster and more objective claims management through dynamic black-box reconstructions, and, above all, the ability to provide real-time assistance when customers need it most, significantly enhancing the overall customer experience.
- If you were to imagine what insured mobility will look like in two to three years, what do you think will be the most visible change for users?
Over the next few years, the most noticeable change for Italian users will be driven by the mature integration of Artificial Intelligence and telematics, transforming insurance from a simple financial product into an intelligent and personalized “mobility assistant.”
The impact of AI will be particularly evident in three key areas that are highly relevant to customers.
The first is pricing personalization. Today, telematics collects vast amounts of data, but AI algorithms will enable us to analyse this information with increasing precision. AI will be able to interpret not only the number of kilometres travelled but also the actual driving context—weather conditions, road types, driving times and potential distractions behind the wheel—translating user behaviour into truly dynamic pricing models.
The second area concerns claim management. AI will progressively reduce bureaucracy and waiting times. In the event of an accident, the combination of black-box impact data and smartphone-based image analysis will enable AI to provide an immediate damage assessment, initiate claims settlement within minutes, or even book an appointment directly with an approved repair shop.
Finally, there is active prevention. AI will not only intervene after an incident but will help prevent it from happening in the first place. By processing historical and contextual data, the system will be able to send predictive alerts to users, warning them about particularly dangerous road sections, imminent severe weather events in their area, or potential mechanical issues affecting their vehicle.
AI will make insurance an invisible yet ever-present partner, focused on road safety and on simplifying customers’ daily lives.