.svg)
.svg)
.svg)
- Build stronger and closer relationships with customers
- Built to reduce the frequency and cost of claims from fire, water leakage and burglary
- Utilize existing capabilities to create new, differentiating service offerings
- Stronger customer loyalty through added value
- Open new opportunities to upsell premium insurance products
If and Ohma
Providing If, the Nordics' leading non-life insurer, with API, field-tested hardware and alarm receiving centre integration behind Ohma.
.avif)
The insurance company If wanted to offer their customers a home safety service that could reduce costly insurance payouts while creating a value add to retain customers and provide new data insights from smart sensors.
Protecting homes, preventing damage
Unexpected water leaks, fires or burglaries can cause devastating damage, leading to stress, costly repairs, and disrupted lives. At If Insurance, the leading non-life insurance provider in the Nordics, customer safety is a top priority.
To help homeowners prevent and minimize damage, If Insurance now offers an advanced home protection sensor package with 24/7 monitoring through Ohma.
By detecting leaks, humidity and smoke early and improving home security, these smart sensors give customers real-time alerts and immediate response capabilities - so homeowners can respond quickly, before a small issue grows into a costly one.
All sensors also measure temperature, giving a good indication of whether the home environment is as it should be. If the temperature goes below or above a given threshold, it can indicate an unwanted situation is underway - such as frozen water pipes - so proactive measures can be taken before damage occurs.
What their customers get
If calls the service Tryggere Hjem, Norwegian for "Safer Home". It comes included with If's Super home and cabin insurance. Ohma delivers the service, and If has built real benefits into the policy around it:
- Insurance and alarm in one solution. If Insurance is already connected when something happens, so help arrives right away
- No deductible, as long as the sensor has triggered and the customer has tried to limit the damage
- The claim is opened automatically on the customer's behalf
- Plumbing repair included in the event of water damage
Introducing Ohma
Powered by the Onics Home API
Ohma was established by If Insurance to bring their vision to life: a home protection experience built around industry-proven smart devices and real-time data.
Ohma owns the full customer journey end-to-end, Onics powers the technology underneath it which includes:
- Field-tested, proven smart sensors, alarms and gateway hardware, installed in the homes of Ohma's customers
- A managed alarm and safety service - handling arming and disarming, entry/exit delays, and fire, water and intrusion detection. It includes a 24/7 two-way connection to an alarm receiving centre (ARC), including status back on how each incident was handled
- Device fleet management, so sensors and gateways stay online, updated, and reliable at scale
- The Onics Home API - delivering all of this as structured, real-time data via webhooks: sensor readings, alarm and incident events and home/device status. Ohma can build its entire app experience on top without developing or operating any of the underlying safety and alarm logic itself
This is one of the ways insurers can work with Onics: build and own your app and customer experience, while Onics runs the safety-critical service logic and hardware behind it, and use the Home API to power it all with real-time data.
What the customer says:
"Key factors included security, user-friendliness, and potential for future services and data insights. This solution now forms the foundation of the Ohma initiative, led by If Insurance."
From data to a proactive customer experience
Onics handles the alarm and safety logic behind the scenes - detecting incidents, applying arming rules, and coordinating directly with the alarm receiving centre (ARC), including status back on how each incident was resolved.
The Home API turns all of this, together with sensor readings and home/device events, into structured, real-time data delivered to Ohma via webhooks: a water leak detected in the kitchen, a burglary alarm confirmed by the ARC, a door left unlocked, a gateway or sensor going offline. Ohma builds on this data to power its app and customer experience - triggering alerts, correlating with its own customer data, without building or operating any of the underlying alarm handling itself.
As Ohma is built on an open and flexible IoT platform, the solution can easily be scaled and expanded to include other smart home features to broaden If Insurance service offerings and create a more holistic customer experience.
This allows If Insurance to play a bigger role in their customers’ lives and become a proactive solution provider, enabling deeper engagement with their customers, reducing the risk of churn, and gaining access to new data insights via smart devices.
These new insights can further be used to tailor relevant communications to customers such as offering risk-reducing advice that can help customers avoid damages.
Improving customer risk assessment
Integrating smart technology gives If Insurance new data insights - improving risk assessment customer retention and customer satisfaction.
Customers’ smart sensors provide valuable data to better assess risks of certain damages which, coupled with existing customer data, enables If Insurance to get a clearer picture of risk across their portfolio, and use that insight to guide preventive advice to customers.