How a French bank brought insurance into banking

For one of France’s largest retail banks, there was a clear opportunity: many existing banking customers did not realise they could also buy insurance through the bank.

The bank wanted to make insurance a more natural part of its digital customer experience — giving customers a clearer view of the cover they already had and making it easier to compare it with the bank’s own offering.

Anessa provides the permissioned insurance data underneath that experience.

From fragmented policies to one view

Insurance information is typically spread across different providers and presented in different formats. Understanding existing cover can therefore require customers to log into multiple services and interpret policies themselves.

With Anessa, customers can connect to their existing insurers and share information about their home and car insurance directly with the bank.

Anessa accesses and structures that information so it can be presented consistently inside the bank’s own digital environment.

Instead of starting with a generic insurance offer, the bank can start with the customer’s actual financial context.

Making comparison part of the banking experience

Customers can see existing policies alongside other financial information, understand what they currently pay for and compare coverage more easily.

For the bank, the same data creates the foundation for more relevant comparisons and personalised insurance offers.

Automated contract retrieval removes another manual step, while the bank retains control of how the information is presented and how the customer journey works.

The result is a more connected experience: insurance is no longer treated as an isolated product, but as part of the customer’s wider financial life.

For a universal bank, that creates an opportunity to understand and serve existing customers across more of their financial needs.