Certified whatsapp from insurance companies

The digital transition has transformed the way insurance companies communicate with their clients, and enhances variables such as multichannel and personalisation to increase the proximity with the insured in the digital world. Most companies are able to communicate with clients according to the way the client finds it easiest, and very few people don ́t have.

WhatsApp installed on their mobile phones

WhatsApp is quick and easy to use, but do these communications or transactions have any legal value? The answer is Yes, as long as certain conditions are met.

What is Certified WhatsApp?

Certified WhatsApp is a WhatsApp conversation carried out through a secure channel and mediated by a trusted service provider, who is able to extract evidence, keep it safe and certify it: the trusted service provider acts as a “digital notary”, certifying the content of the WhatsApp conversation between the client and the insurance company.

If we then include such things as an electronic signature, authentication or GDPR consent in that conversation and the contracting processes from start to finish is certified without leaving

WhatsApp and with the content having a legal value.

Advantages

• Certified WhatsApp offers high standards of information security and privacy.
• The use of this service is very beneficial to companies and for customers as it is easy
  and creates an enhanced user experience and opportunities for digital inclusion.
• Efficiency also increased.

Legal validity

The legal validity of WhatsApp messages is very high if requirements such as authentication and validation of the identity of the interlocutors is met and if they are mediated by a qualified trusted service provider with a certified electronic delivery and provides advantages such as the obtaining of evidence in secure environments.

The Supreme Court states that, in order to be admitted as evidence in a court of law, the messages must be obtained legally and with respect for fundamental rights.

Companies use the Certified WhatsApp service with their customers for the following reasons:

• Send pre-contractual information.
• Request signatures for policies.
• Send documentation that is needed for contracting purposes.
• Claims management.
• Obtain consent for sending commercial communications and GDPR compliance.
• Complaint and payment requests.
• Notifications for renewals.
• IDD/ CRS compliance which is the exchange of financial account information