Seventy-five per cent of all accidents happen in leisure time. And it is just this kind of accidents, resulting mainly from engaging in modern types of trendy sports and when doing housework, that are not covered by a legally required accident insurance. Everybody who for this reason decides to buy a personal accident insurance does make important provisions. The distribution channel internet chosen by Ineas provides some great advantages concerning the conclusion of an insurance contract. By means of the Risk Management Tool PRIMES^® it is possible for each internet user to get an overview over their personal risk situation.

They way to an online conclusion is designed as a most simple and straightforward process. First, there is the opportunity for the interested user to calculate their individual premium without any binding by means of an online calculator. In case the user decides not to conclude a contract immediately, the calculated data can be stored up to 30 days in their PrivateDomain. This period of time allows the web visitor to compare the quote with offers form other insurers. The insurance contract is concluded by both filling in and sending the proposal form online to Ineas. Important documents such as insurance policy, terms and conditions and premium calculation are stored in the user's PrivateDomain, however, they are additionally mailed home to the client. This allows the client to check and update data at any time in a most uncomplicated way.

All the products provided by the interactive Ineas Insurance Company offer competitive premiums without exceptions. The online insurer passes the cost savings resulting from low administrative expenses on to the clients. "In spite of a flexible premium structure, our highest concern is to convince the consumer by offering additional services" explains president of the board Niek Ligtelijn. "It is important to us that the client can settle their insurance business in the most comfortable way possible."

For this reason, it is now possible to visit Ineas on the mobile phone as well. In case the insured should suffer a damage on the way or abroad, they can use their mobile phones to visit wap.ineas.com. By selecting the country in which the client is insured, the phone number of the responsible claim service for the direct call is displayed immediately.

Ineas Insurance Company N.V. is one of the former companies that uses internet as an exclusive selling channel. Since October 1999, this online insurer, seated in Amsterdam, offers its product range and services in the Netherlands. Internet users have the opportunity to bring online contract to a close, in Belgium since February, in Germany since March this year. The launching of the car insurance products followed in France in summer this year. Later on, Ineas will expand its activities in other European countries. Mr. Niek Ligtelijn from the Netherlands, founded Ineas in 1998 as a holding company in which participated leading companies of the international financing. These assure a solid financial basis and deep expertise. Ineas´ product range includes today areas of car, private liability, accident, home content and house insurance.