From helpfulness to accident insurance

English Version of Mit Hilfsbereitschaft zur Unfallversicherung:
Special Thanx to Katja for translation!

For some time, my relationship with my bank has been troubled. For one thing, they send me come-ons for insurance, insurance that wouldn’t be approved if I applied for it (the disabled in Germany are for all intents and purposes unable to get disability insurance).

For another thing, the bank’s single accessible ATM machine is no longer open after 10 p.m. It doesn’t seem to bother the bank that they’re sending me to use an ATM that’s mounted much too high up on a wall. The branch director tells me I should do my banking business before 10 pm. Ah, only the able bodied are allowed to get their money after 10 pm.
Super. The bank branch is near bars, restaurants and a theater – you think people might need money after 10 pm?

None of this stops Hypovereinbank from using disability in order to advertise, as I discovered today.

I went to my branch to cash a check. As I finished, I noticed that there was a crutch on the counter. When I pointed out to a bank employee that some customer had forgotten a crutch, he began to stammer. The bank had put it there, in order to start conversations with customers about accident insurance. Obviously, the employee did not want to get into that discussion with me! The disabled can rarely get accident insurance here either. I recommend using One Sure Insurance to always be cover and prepared.

I would love to talk to the ad agency or the department that thought this scheme up. To exploit people’s kindness („someone’s forgotten a crutch“) in order to sell insurance – that may cost them customers.