A tailor-made affinity travel product directly integrated into the sales process

Wikicampers (distributor) is a French collaborative platform founded in 2012 in Bidart, which facilitates the rental and purchase of leisure vehicles between private individuals. As a trusted third party, it secures exchanges, payments and, above all, the stays of its users through appropriate insurance. With a community of over 500,000 members, Wikicampers is a key player in the democratisation of mobile travel in France.

Marsh (broker), a world leader in insurance brokerage and risk consultancy, has been supporting Wikicampers since 2021 in structuring its affinity insurance programme. Thanks to its sector expertise and ability to co-create innovative solutions, Marsh is playing a strategic role in the development of Wikicampers' insurance offering.

Today, more than ever, travellers expect simple, reliable and secure experiences. That's what this collaboration is all about.

This project brings together three partners in a single approach: to offer insurance that provides security for both vehicle renters and owners.

The partners are a distributor (Wikicampers), a broker (Marsh) and an insurer (Seyna).

Together, they have taken on a number of challenges:

• Seamless integration into the customer journey: offering insurance that is fully integrated into the vehicle booking process, with a frictionless experience.
• Advanced customisation: designing a tailor-made offering capable of adapting to different profiles (renters and owners), while maintaining optimum cover.
• Reactivity and scalability: being able to quickly adjust cover and rates in line with customer feedback and market trends.
• Protection for high-value vehicles: cover for vehicles that can exceed €60,000, with minimum excesses (e.g. €400).

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"With this insurance, we can support our customers before, during and after their stay. We make sure that processing times are respected, which is essential to maintaining their satisfaction,"

Ludivine Picard, Insurance Manager at Wikicampers.

Thanks to the specific expertise of the three players, the programme put in place meets the challenges of simplicity, flexibility and security:

• A co-constructed product with all-risk cover automatically included in the rental, and several levels of option for the traveller to choose from.
• Insurance designed for actual use, particularly frequent claims (damage to high-value leisure vehicles).
• A customer feedback loop integrated into product management, enabling frequent adjustments and continuous improvement.
• Rigorous monitoring and performance management carried out jointly by Marsh and Seyna.

"The insurance programme has been developed jointly to ensure that it is perfectly adapted to the needs of tenants and owners, while at the same time providing a new angle of development for Wikicampers,"

Franck Cornil, Head of Affinity and Special Risks at Marsh.

✅ A new-generation affinity programme getting the best out of each stakeholder: distributor, broker and insurer

✅ 100% integration into the booking process

✅ Reduced deductibles with optimum cover for tenants

✅ A sharp rise in customer satisfaction, thanks to rapid processing of claims and claims

✅ A shared ambition to continually develop the programme in line with users' needs

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"This collaboration is a perfect example of a successful affinity programme. It creates value for both the end insured and the distributor. What's more, each entity in this project has its own expertise, and we're working hand in hand,"

Etienne Longeaud, Seyna's Sales Director.