Insurance Websites Review
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Transcript of Insurance Websites Review
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8/10/2019 Insurance Websites Review
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Insurance Websites Review
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Executive Summary
Identify the Gap between the competitors and highlighting key areas of
improvement in order to surpass the competition. This report is based on
analytical data (inputs) from third party website and my understanding of this
sectors and user engagement.
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Competitors
Key Players studied for the purpose of analysis are:
Policybazaar
Myinsuranceclub
Insuringindia
Accuratequotes
Quickbima
Policybachat
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Page Rank
PageRank (commonly called PR) is a link analysis algorithm used by Google to
assess the popularity/authority of a website. The
PageRank goes from 0 to 10. New websites start at PR0 and authority websites,
like Twitter.com, have a PR10.
Websites with a high PageRank are crawled more frequently and their outgoing
links have more passing juice.
Probus Policy
bazaar
Myinsuranc
eclub
Insuringin
dia
Accurateq
uotes
Quickbim
a
Policyba
chat
Page Rank PR0 PR4 PR4 PR3 PR3 PR0 PR0
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Page Title
Probus Policybazaar
Myinsuranceclub
Insuringindia Accuratequotes
Quickbima Policybachat
Page Title ProbusInsurance
Compare:
Life |Car
|Health
|Travel
Insurance,
Child
|Pension|Investmen
t Plans,
Credit
Cards
|Loans
Online
Compare
Insurance
Policies and
Plans in India |
MyInsuranceClu
b.com
Online
Insurance|Comp
are Insurance
Quotes|Life|hea
lth|Motor|Trave
l
Online
Insurance
Quotes:
Compare Car
Insurance, Life
Insurance &
HealthInsurance India
Compare &
buy Insurance
Policy online -
Life| Car|
Travel| Health
Online
Insurance
India:
Compare and
buy the best
insurance
policiesonline |
Policy
Bachat
Characters 16 105 68 66 86 65 89
Ideally, Page title should contain between 10 and 70 characters (spaces included).
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DescriptionProbus Policybazaar Myinsuranceclu
bInsuringi
ndia
Accuratequot
es
Quickbima Policybachat
Descriptio
n
NoDescription
Buy / Bookresidential real
estate property for
sale. Buy Residential
apartments,
flats, house,
bungalow, villa,
independent house.
Search rental
residential property
for sale listings in
Now! Get best
residential property
deals in delhi,
Bangalore,
Mumbai, Kolkata,
Pune from real
estate agents,brokers, dealers and
real property
owners.
Compare andget free quotes
for the best life
insurance,
health
insurance,
travel
insurance, car
and auto
insurance
plans, policies
and schemes in
India offered
by
different
insurance
companies
only atMyInsuranceCl
ub.com
Insuringindia brings
you Online
comparison
of Life,
Health,
Motor and
Travel
Insurance
policies,wit
h best
quotes
from all
insurance
companies
in india
We provideonline insurance
policies to
compare
insurance
offered by
companies
in india. Get all
types of
insurance
quotes like car
insurance, life
insurance, home
insurance, travel
insurance,
health insurance
and corporate
insurance in 3easy
steps.
Compareand buy
insurance
policies
online in
India, get
quotes for
Car
Insurance,
Life
Insurance,
Health
Insurance
policy,
Travel
insurance
We help you choosethe Best Insurance
Policies online in
various categories
like
Car Insurance, Life
Insurance, Health
Insurance, Travel
Insurance &
Personal
Accident Insurance
in 3 Easy Steps.
Characters 141 261 219 150 247 138 192
Ideally meta description should contain between 70 and 160 characters (spaces included).
Meta descriptions allow s to influence how your web pages are described and displayed in search results. A good description acts
as a potential organic advertisement and encourages the viewer to click through to your site.
Ensure that meta description is explicit and contains your most important keywords. Also, each page should have a unique meta
description relevant to the content of that page.
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Keyword Cloud probusinsurance.in
insurance - 15, life - 8, lic - 4 , portfolio - 3, probus 3, knowledge - 3, launches3, current2, regulatory2, clients - 2
www.policybazaar.co
insurance53, plans39, loan14, loans14, health13, compare10, financial9,
credit9, investment9, car9,
www.insuringindia.com
insurance - 44, insuringindia17, online11, plans8, india7, news6, health6, life6, first5, term5,
www.accuratequotes.in
insurance24, plans10, quotes6, comparison5, life5, accurate4, car4, health
4, child3, product3,
www.quickbima.com
insurance94, quick56, overview54, tax54, facts54, apply32, exclusions28,
saving - 28 , plan26, group 24
www.policybachat.com
insurance30, health4, accident4, life4, travel4, personal3, policybachat3, car
3, faqs2, online2,
This Keyword Cloud provides an idea the most frequently recurring keywords. They
are likely to be the keywords with the greatest probability of ranking high in the
search engines.
http://www.policybazaar.co/http://www.insuringindia.com/http://www.accuratequotes.in/http://www.quickbima.com/http://www.policybachat.com/http://www.policybachat.com/http://www.quickbima.com/http://www.accuratequotes.in/http://www.insuringindia.com/http://www.policybazaar.co/ -
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Google Preview
Compare: Life |Car |Health |Travel Insurance, Child |Pension |Inves
www.policybazaar.com/
We provide online insurance policies to compare insurance offered by companies in India. Compare in India, all types of insurance quotes like
car insurance, life ...
Compare Insurance Policies and Plans in India | MyInsuranceClub.
www.myinsuranceclub.com/
Compare and get free quotes for the best life insurance, health insurance, travel insurance, car and auto insurance plans, policies and
schemes in India offered b...
Online Insurance|Compare Insurance Quotes|Life|health|Motor|Trav
www.insuringindia.com/
Insuringindia brings you Online comparison of Life, Health, Motor and Travel Insurance policies,with best quotes from all insurance companies
in india Online Insurance Quotes: Compare Car Insurance, Life Insurance &
www.accuratequotes.in/
We provide online insurance policies to compare insurance offered by companies in india. Get all types of insurance quotes like car insurance,
life insurance, hom...
Compare & buy Insurance Policy online - Life| Car| Travel| Health
www.quickbima.com/
Compare and buy insurance policies online in India, get quotes for Car Insurance, Life Insurance, Health Insurance policy, Travel insurance
Online Insurance India: Compare and buy the best insurance polici
www.policybachat.com/
We help you choose the Best Insurance Policies online in various categories like Car Insurance, Life Insurance, Health Insurance, Travel
Insurance & Personal Acci...
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Load Time
Probus Policyba
zaar
Myinsuranceclub Insuringindia Accuratequot
es
Quickbima Policybacha
t
Load
Time
0.74 0.96 1.83 1.78 3.48 1.26
Slow page load time is one of the biggest complaints of web users.
If the load time/Kb is short, it means the homepage is too big. If the load time/Kb is long, this could be due to a server
problem, a network problem, poor code optimization (cache, Mysql queries, etc.), or a third-party issue (advertising codes,
analytics codes, etc.).
Site speed is becoming an important factor for ranking high in Google search results.
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Technologiesprobusinsurance.in
IIS - Web server
Microsoft ASP.NET - Web framework
Modernizr - JavaScript framework
Windows Server- Operating system
www.policybazaar.com
IIS - Web server
jQuery - JavaScript framework
Microsoft ASP.NET - Web framework
SWFObject - Miscellaneous
Windows Server - Operating system
www.myinsuranceclub.com
IIS - Web server
jQuery - JavaScript framework
jQuery UI - JavaScript framework
Microsoft ASP.NET - Web framework
YouTube - Video player
Windows Server - Operating system
www.insuringindia.com
Google Font API- Font script
IIS - Web server
jQuery - JavaScript framework
jQuery UI - JavaScript framework
Microsoft ASP.NET - Web framework
SWFObject - Miscellaneous
Windows Server - Operating system
www.accuratequotes.in
IIS - Web serverWeb framework
SWFObject - Miscellaneous
Microsoft ASP.NET -
Windows Server - Operating system
www.quickbima.com
Apache - Web serverCakePHP - Web framework
Google Font API - Font script
jQuery - JavaScript framework
jQuery UI -JavaScript framework
Plesk - Hosting panel
PHP - Programming language
www.policybachat.com
IIS - Web server
jQuery - JavaScript framework
Microsoft ASP.NET - Web framework
Windows Server - Operating system
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Back link Counters
Probus Policyba
zaar
Myinsuranceclub Insuringindia Accuratequot
es
Quickbima Policybacha
t
Backlink 11 154000 317000 4650 1110 1390 893
Backlinks are links that point to your website from other websites. They are like letters of
recommendation for the site.
Since this factor is crucial to SEO, it is necessary to have a strategy to improve the quantity and qualityof backlinks.
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Social Shareability
Social
Media
Probus Policyba
zaar
Myinsuranceclub Insuringindia Accuratequot
es
Quickbima Policybacha
t
Facebook Likes 0 158 0 30 0 0 17
Facebook
Shares
0 460 0 45 1 0 13
Facebook
Comments
0 39 0 2 0 0 0
Stumble Upon 0 58 1 13 0 0 0
Google + 0 550 147 64 0 3 2
TwitterBacklinks
0 895 341 132 0 5 24
The impact of social media is huge for certain industries.
Learn how to further engage your social media audiences and create a consistent fan base.
Note: This data represents social media influences from the website's URL, it does not represent data from
specific brand pages.
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Other Parameters
policybazaar.com
MyInsuranceClub.com insurax.in
insuringindia.com
accuratequotes.in
policybachat.com
buysmartpolicy.com
probusinsurance.in
Overall Score 64 60 50 58 57 55 49 35
Est. Traffic Score 60 50 38 49 54 48 42 0
SEO Score 80 86 71 87 84 81 82 69
Speed Score 71 70 60 64 92 72 71 72
Social Share Score 46 37 33 32 1 19 4 0
Number of
Warnings 8 4 3 3 4 5 4 2
Number of Errors 0 0 1 0 0 0 0 1
Number of Indexed
Pages 17700 7470 1 164 70 44 31 0
Number of Back
Links 2228 144 1 130 24 83 80
Top Keyword insurance insurance andhra insurance insurance insurance insurance insurance
Top 2 Word Key
Phrase credit cards life insurance
health
insurance
insuringindia
com life insurance
health
insurance
health
insurance life insurance
Top 3 Word Key
Phrase child plans plan
companies in
india
dadra and
nagar read the full
car insurance
health
personalaccident
insurance
choices while
purchasing
announced the
launch
Use of Top
Keywords in
Heading Tags - - - - - X X -
Use of Top
Keywords in Title
Tag - - - - - - - -
Use of TopKeywords in Meta
Description - - - - - X - -
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Features Desired by Visitors
User friendly: The mind of the consumer is preoccupied when he logs online to
seek information. Simple and easy to use interface is the most basic requirement
of the website that is expected to provide a comparison. All the aforementioned
web aggregators have a user friendly interface that gives a glimpse of the
insurance product categories under drop down menus which are easy to navigate.
These menus make it easy for the user to click and choose the various categories. Look and feel: Besides the user friendliness, the look and feel of the comparison
website should be effective and easy on eye. Users prefer sites which are less
cluttered. Policy Bazaar gives a moderate look. Easypolicy and Policybachat are
likeable, but Myinsuranceclub and InsuringIndia are outstanding due to their
simple, gentle colour.
Live quotes and end to end purchase options: Since each one is a comparisonwebsite they ought to provide live quotes but all of them also provide purchase
option. Apnapaisa.com is an exception here and does not provide any option to
make online purchase.
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Features Desired by Visitors
Products offered: With the difference in the ranking there is a difference in the
range of product categories offered as well. All the aggregators are offering the
comparison for the main basic categories, that is, life, health, motor and travel.
However, 5 out of the 7 are comparing other categories as well.
Plug-ins: Plug-ins enhance the usability of a website. Content gives information,
however, it is static and plug-ins in a website helps in bringing interactivity towebsites. Whether it is social media buttons or any other kind of functionality that
link to various sources, increase the value of the website.
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Challenges - I
As per the new guidelines of IRDA for Web Aggregators, which poses a lot of challenges:
Remuneration structure has been changed.
The annual flat fee payable by insurers to web aggregators, for each product displayed
on the aggregator website, has been reduced to Rs 50,000 (Upper limit); earlier this fee
was Rs 1, 00,000.
Insurers will no more pay any charges per lead to web aggregator for each lead
transmitted by the latter; previously web aggregators were entitled to charge an amount
not exceeding Rs 10 for the same.
Outsourcing activities such as premium collection and policy services have been allowed.
Telemarketing has been allowed (compliance to TRAI guidelines required).
Older guideline prohibits web aggregators to display, any advertisements and sponsoredcontent or rankings, endorsements, best seller of insurance products, on the website.
The new draft further bans web aggregators to cross sell any product on their website or use
of social media sites for comparison of products.
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Negatives
Cost of operations have increased because of requirements for more frequent
audits, professional indemnity policy, requirement of principal officer etc
Cap on sale of single premium policies as well as non-single products through
telemarketing where annualized premiums exceed Rs.1, 00,000 (single premium)
and Rs.50, 000 (non-single premium)
Restriction on sale of ULIP or variable insurance product through distancemarketing.
Remuneration on renewal (2nd year onward) premium has not been allowed.
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Can IRDA Regulate Websites
RDA has no jurisdiction on web sites which are a media property. If the site is not an insurance
broker,agent or insurer, IRDA cannot regulate it. It can huff and puff, but it cant blow the house down. The
issue of jurisdiction, though, is complex , but there are few points to note a few things:
1) IRDA is about regulating insurance. It has power over insurance companies, their products, their
commissions, the agents and that ecosystem.
2) IRDA doesnt even regulate all insurance. Postal insurance and RBI deposit insurance are out of its
ambit, for instance.
They cant regulate a generic web site. They can, however, control what payments are made to what kind
of organizationbecause if they didnt, the insurers would easily be skimming off money to agents as
commissions (which are regulated strictly now). Commissions are a sore point for insurers, who like to
build complex products that no one understands and sell them to people who trust them, and eventually
charge 100% of some premium as commissions. To stop that habit, IRDA has grudgingly made rules to
compel the insurers to reveal who they pay for what and how much, and restricted total commissions to a
certain pre-approved level.
Therefore, yes, IRDA can control who insures and brokers pay.
And it follows that many comparison sites earn from lead-gen, so IRDA can regulate what they do as well,
and they stand to lose their revenue source. But only for paid-for-lead-gen sites.
An aggregator that survives on advertising or on charging the customer direct is not going to be subject to
these rules. If you choose not to be a lead-generator, you dont have to follow these rules.
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What Then?
Much is lost in the translation. Mechanisms to rate insurers, or to regulate the
income of aggregators for leads, or to disallow advertisements have been railed
against, but what was missed was that you dont need to be paid for leads.
If you dont get paid for leads, then yes, you can compare, you can rate, you can
put ads. IRDA is not in the picture.