Introduction
This report analyzes the market's performance across key personal lines, providing insight into competitor strategies and the major issues affecting the market. Consumer data and the evolving dynamics of insurance distribution, are also analyzed, and GWP forecasts for individual accident and health, private motor and household are presented.

Scope
GWP growth and profitability in individual accident and health, private motor, and household insurance provides an overview of market performance
Analysis of competitive dynamics, with profiles of the main competitors' market share changes, performance ratios and strategies
Discussion of the key issues shaping the market at the moment, based on Datamonitor interviews with industry executives
GWP forecasts based on Datamonitor's forecast model and in-house industry expertise
Highlights
The personal insurance market grew by only 0.4 per cent in 2004. This slowdown in growth was largely driven by the deterioration in the private motor market, which saw a decline in GWP due to increased competition. The slowdown in the household sector also had an impact, as this market has otherwise grown rapidly in recent years.

The general insurance market's underwriting profit increased substantially in 2004, largely due to the beneficial effects of benign weather conditions on the overall claims bill.

The top 10 and mid-tier personal insurers took market share away from the bottom rung in 2004 as the level of provider consolidation in personal lines increased. Only three of the top 10 personal insurers lost market share in 2004.

Reasons to Purchase
Understand the trends in changing consumer habits and purchase behavior to tailor your strategy to the esoteric needs of your customers
Benchmark your company's performance against your competitors
Develop your future business plans from an informed viewpoint with Datamonitor's GWP forecasts

Introduction
This report analyzes the market's performance across key personal lines, providing insight into competitor strategies and the major issues affecting the market. Consumer data and the evolving dynamics of insurance distribution, are also analyzed, and GWP forecasts for individual accident and health, private motor and household are presented.

Scope
GWP growth and profitability in individual accident and health, private motor, and household insurance provides an overview of market performance
Analysis of competitive dynamics, with profiles of the main competitors' market share changes, performance ratios and strategies
Discussion of the key issues shaping the market at the moment, based on Datamonitor interviews with industry executives
GWP forecasts based on Datamonitor's forecast model and in-house industry expertise
Highlights
The personal insurance market grew by only 0.4 per cent in 2004. This slowdown in growth was largely driven by the deterioration in the private motor market, which saw a decline in GWP due to increased competition. The slowdown in the household sector also had an impact, as this market has otherwise grown rapidly in recent years.

The general insurance market's underwriting profit increased substantially in 2004, largely due to the beneficial effects of benign weather conditions on the overall claims bill.

The top 10 and mid-tier personal insurers took market share away from the bottom rung in 2004 as the level of provider consolidation in personal lines increased. Only three of the top 10 personal insurers lost market share in 2004.

Reasons to Purchase
Understand the trends in changing consumer habits and purchase behavior to tailor your strategy to the esoteric needs of your customers
Benchmark your company's performance against your competitors
Develop your future business plans from an informed viewpoint with Datamonitor's GWP forecasts