Top 7 Qualities of the Best Insurance Mobile Apps

BY: Patty Nicholson
APRIL 14, 2022

Mobile app development is becoming the new way to conduct business, build a community of customers, and gain an edge over competitors. New entrepreneurs are getting into the mobile market or expanding their service offerings with mobile apps every day.

Whether your brand is established or a new start-up, apps make it easier for consumers to reach your products and services, giving you more control and data over how they interact with your business.

Must-Have Insurance Mobile App Qualities

A mobile app is meant to make a customer’s life easier. However, if it lacks the necessary features and functions, it will not only create frustration among the customers but can also hinder customer retention and increase customer churn. Here are seven considerations to look for when developing an Insurtech app.

#1 Robust Authentication

A robust authentication solution is essential for any insurance app and is a form of multifactor authentication that requires more than one factor. Multifactor authentication is an additional security measure to verify the user identity using two or more independent credentials, such as:

  1. Something the user knows – usually a password
  2. Something the user has – a trusted device that is not easily duplicated, like a phone
  3. Something the user is – biometrics characteristic, such as fingerprint or voice pattern

A robust authentication is an essential tool for protecting your identity and your data privacy. It also lets you be sure that the person you are communicating with is who they say they are. To be considered robust authentication, at least two authentication factors are required.

#2 User-Friendly Dashboard

An insurance app is meant to be used by many users every day, so it must have a user-friendly interface that’s easy to navigate and understand. It should have an intuitive interface that helps users find what they’re looking for without any trouble.

Your app needs to be compatible with various devices, including phones and tablets, and operating systems, such as iOS or Android. Additionally, consider how users could use the app in either landscape or portrait mode.

A cluttered dashboard can confuse the user and make it challenging to find the right option. The dashboard must be simple yet engaging if you want to create an insurance app. Keeping your design simple will allow the users to take advantage of all the features without issues.

#3 Intuitive Search Function

If you are developing a new insurance app or redesigning an existing one, make sure that the search function is a prominent feature quickly found on all pages. You should also make sure that it is user-friendly and integrated with other features like personalization so that users can find information quickly. Some useful search functions include:

Easy access – The search function should be easy for users to find. Making the search tool easy to find is important because users can access the search tool directly from any page within the app, rather than going back to the homepage every time they want to do a new search.

Keyword suggestions – Provide users with keyword suggestions as they start typing in their search terms. Searches could include product names, policy numbers, or relevant keywords used frequently within the insurance industry.

Filters and sorting options – This allows users to filter through results based on specific criteria such as price or location to quickly narrow down their choices and only see options that match what they’re looking for. If there are multiple items available within one search category, it may also be helpful if these results are sorted by relevance or date added/updated.

Search functionality is critical in insurance apps. While it might seem small and perhaps not the most critical part of the app, it can be a powerful tool. The search feature should be user-friendly and allow them to find information quickly and easily.

#4 Quick Quotes

Insurance quoting is the stage that quickly shows prospects if your product corresponds to their needs. A quote app is a front-end tool integrated into the insurance agency website or works as a separate product. Quotes can be a standalone feature or an integral part of a more comprehensive app.

Pricing, however, isn’t the only important element of the quote process. It’s also critical to provide potential customers with relevant information about the product or service they’re purchasing. For example, information could include details about what is covered by a particular insurance policy or more about the sold service.

#5 Automated Claims Processing

According to a recent study, customers who file claims using an app reported being much more satisfied with the process than those who used a traditional method like calling in or visiting an agent’s office. The results indicate that one of the most significant benefits of filing a claim via mobile is speed and faster settlements.

Mobile apps can make things easier for both the customer and the insurer by allowing customers to upload photos of damage directly from their phones, which speeds up processing and makes it easier to get an accurate estimate. The ability to file claims via mobile also gives insurers access to more customer data, helping them understand their clients and manage risk more effectively.

#6 Scalable

Scalability can be a problem for mobile apps that are not architected correctly. If you want to make the app available to tens or hundreds of thousands of people, you’ll probably want to think about the product’s scalability before launching it.

Scalability refers to the capability of an app to handle increased demand, usually in terms of user growth but sometimes in terms of the app’s features. If your app were designed with scalability in mind, it would be able to support significant user growth without crashing or slowing down.

For example, if you have a mobile app that 500 people are currently using, but you expect that number to grow to 100,000 within the next few months, it’s essential to make sure your app will be able to handle that kind of traffic.

#7 Future-Proof

If you want an app to succeed, you need to keep users engaged. Your mobile insurance app needs to offer real value, not just serve as a digital version of a paper bill. Although you may start with limited features, you may want to include new capabilities in the future, such as:

  • Multiple communication channels
  • Push notifications
  • Personalized messages based on user behavior
  • Self-service features
  • Social media and gamification

Focus on the features you want now and think about what you may want to add later. Is your initial goal to have a quick quote feature, or will you also be processing payments? Do you intend to add more features over time? Even if you’re not sure right now, make sure the code is set up so that later versions can integrate future additions.

Develop Your Mobile App With RD Global

At RD Global, our team of experts in mobile app development, iOS, Android, cross-platform, enterprise applications, digital experiences, and UI/UX design understand what you need and can turn that vision into a reality.

We ensure your new mobile app receives the attention it deserves from design and development to testing and marketing. Contact us to learn more about developing an app that brings new value to your business.

Written by Patty Nicholson

"With an exceptional ability to execute and implement enterprise-wide, highly complex strategic initiatives building trust with teams and cross-functional partners, and over 20 years of demonstrated leadership skills, Patty Nicholson oversees all operations while maintaining a commitment to 5-star customer success. Most of her career has been working with insurance organizations on ways to automate manual processes to new digital platforms."

APRIL 14, 2022
RD Global Empowers Insurance Companies to optimize total digital experience, unify data, and harmonize processes by developing high impact technology solutions infused with a 5-star customer experience.