THE boss of Britain’s biggest insurer wants to shake up the sector — and start giving discounts of up to 20 per cent.
Denim-wearing AVIVA chief exec Mark Wilson is pioneering an “Ask It Never” concept.
It will mean customers can buy policies without filling out endless forms.
Mr Wilson says the move will make the firm leaner and its premiums cheaper.
He added: “We’re going to go from asking hundreds of questions on insurance to asking none — zero.
“We’re piloting it now. We’re going to roll it out.”
The New Zealander said Aviva’s “culture was wrong” when he took over in 2013.
His “game-changing” concept was developed at tech hub The Garage at Silicon Roundabout, East London.
He said: “I can insure your house now without asking any questions because I use big data.
“I need to know what your house is made of and I can get that from council records. I need to know if you’re on a flood plain, well, I’ve mapped all the flood areas of the UK.
“We want to get to the stage where we don’t ask customers any questions.
“We will pre-underwrite, pre-approve and give you a massive discount on what you’re paying, probably 20 per cent cheaper.
“This is a game changer in the global world of insurance. No one has ever done this before.”
The biggest discounts will go to existing customers who buy products using the MyAviva app.
Mr Wilson came up with the concept “where most good ideas come” — the shower.
He added: “I can give you one more product after another without asking questions, giving you a deeper discount each time. People won’t leave us.
“Currently, if you have five products you have to call five different times and talk to five different people.
Because we will have all our systems talking to each other, you’ll do it once.
“The change, cost and the efficiency and customer experience is revolutionised.”
Aviva is also working to help customers prepare before accidents happen. Mr Wilson said: “We’ll call on a customer and say, ‘We think you’re going to be flooded, we suggest you put your TV here’.
“If bad stuff happens we’ll pay you, but we’re going to try to stop the bad stuff happening.”
The insurer is also investing in and buying fledgling firms in areas such as artificial intelligence, driverless cars and medical research.