Introduction
The distribution of personal insurance in the UK is a rapidly changing picture and the future dynamics of the industry have been further complicated by the advent of FSA regulation. Which distributors have successfully made inroads into the market? What tactics have they used? What challenges lie ahead? This report answers all these questions and more.

Scope
Extensive coverage of distribution and consumer data, providing insight into the purchasing habits of personal insurance consumers
Incorporates primary interviews with senior distribution managers, aggregators, brokers and underwriting directors within the industry
Includes profiles of top insurers' current and future personal lines distribution strategies, featuring estimated distribution channel splits
Utilizes Datamonitor's in-house model to forecast share of distribution channels across motor and household sectors to 2010
Highlights
Direct sales platforms have become dominant in motor insurance due to the increased commoditization of this product. Motor insurance is no longer something that people feel they need expert advice on and face-to-face sales have dropped, with more than 90 per cent of private motor insurance arranged without any face-to-face interaction in 2005.

More meaningful long-term partnerships will be key to bancassurers' future offerings. In the brandassurance sector it is the supermarkets with the long-term business partnerships that have had most success. This partnership model provides better options in terms of products and pricing than accounts that regularly churn between underwriters.

While insurers usually opt to distribute products through one principal channel, it is evident that a multichannel strategy is increasingly important for some. This ensures that revenue streams are diversified, mitigating the risk of being overly dependent on one source of premium income and ensuring that a wider audience is accessible.

Reasons to Purchase
Obtain a comprehensive understanding of the key trend drivers and profit from a highly informed approach to distribution strategy
Understand who and what the main threats are to the success of your distribution operations and the strategies that can overcome them
Plan your distribution strategy with confidence and optimise your product range using Datamonitor's forecasts and unrivalled industry perspective

Introduction
The distribution of personal insurance in the UK is a rapidly changing picture and the future dynamics of the industry have been further complicated by the advent of FSA regulation. Which distributors have successfully made inroads into the market? What tactics have they used? What challenges lie ahead? This report answers all these questions and more.

Scope
Extensive coverage of distribution and consumer data, providing insight into the purchasing habits of personal insurance consumers
Incorporates primary interviews with senior distribution managers, aggregators, brokers and underwriting directors within the industry
Includes profiles of top insurers' current and future personal lines distribution strategies, featuring estimated distribution channel splits
Utilizes Datamonitor's in-house model to forecast share of distribution channels across motor and household sectors to 2010
Highlights
Direct sales platforms have become dominant in motor insurance due to the increased commoditization of this product. Motor insurance is no longer something that people feel they need expert advice on and face-to-face sales have dropped, with more than 90 per cent of private motor insurance arranged without any face-to-face interaction in 2005.

More meaningful long-term partnerships will be key to bancassurers' future offerings. In the brandassurance sector it is the supermarkets with the long-term business partnerships that have had most success. This partnership model provides better options in terms of products and pricing than accounts that regularly churn between underwriters.

While insurers usually opt to distribute products through one principal channel, it is evident that a multichannel strategy is increasingly important for some. This ensures that revenue streams are diversified, mitigating the risk of being overly dependent on one source of premium income and ensuring that a wider audience is accessible.

Reasons to Purchase
Obtain a comprehensive understanding of the key trend drivers and profit from a highly informed approach to distribution strategy
Understand who and what the main threats are to the success of your distribution operations and the strategies that can overcome them
Plan your distribution strategy with confidence and optimise your product range using Datamonitor's forecasts and unrivalled industry perspective