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市場調查報告書
英國的個人保險經紀商調查：2009年
UK Personal Insurance Broker Survey 2009
| 出版商 |
Datamonitor |
| 出版日期 |
2009年11月 |
商品編碼 |
103418 |
| 內容資訊 |
英文 26 pages |
| 價格 |
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英國的個人保險經紀商調查：2009年 是由出版商Datamonitor在2009年11月所出版的。
這份英文市場調查報告書包含26 pages 價格從美金2795起跳。
本報告書內容包括：英國的個人保險經紀商的調查實施結果、今後市場展望的見解、市場的威脅、與保險業者的關係、對於規定的對策等，內容綱要摘記如下：
DATAMONITOR的見解
分析
- 許多經紀商自家的業務中個人保險所占的比例在今後2年到3年將發生改變
- 3分之1以上的經紀商回答將主要自個人保險獲得收益
- 約半數的經紀商預測在個人保險上所占的比例將有變化
- 約半數的回答者思考在今後2年到3年內個人業務將會成長
- 3分之1的經紀商回答有整合者前來接洽，但今後2年到3年內無出售的計畫
- 經紀商不願在今後2年至3年出售
- 3分之1的經紀商回答在過去12個月間曾有整合者前來接洽
- 回答有整合者前來接洽的回答者中，22%是來自Swinton
- 4分之1的經紀商在今後12個月內考慮其他經紀商的收購
- 僅9%的回答者考慮在今後12個月內參加經紀商網路
- 保險直銷業者•聚集者是經紀商最大的威脅﹔多數經紀商都擁有自己的網站
- 保險直銷業者•聚集者對經紀商業務而言是最大的威脅
- 大部分經紀商至今都未與聚集者合作
- 3分之1以上的回答者都不具有網站
- 大部分回答者透過網際網路的銷售都在整體的一半以下
- 沒有網站的經紀商大部分都不計畫今後製作
- 多數經紀商重視「良好的索賠處理」•「迅速的回答」﹔Allianz•Zurich•Fortis的評價很高
- 經紀商大致上都滿足保險合作夥伴的服務
- 多數經紀商都認為Allianz•Zurich•Fortis是好的合作夥伴
- 經紀商將價值放在「良好的索賠處理」•「迅速的回答」
- 經紀商指出RSA•Aviva服務水平最具改善餘地的企業
- 保險業者的低服務水平是英國的個人保險經紀商最大的顧慮事項
- 法規•遵循：依然對經紀商而言是重要的因素﹔透過FSA法規成本占營業額10%
- 半數以上的調查對象經紀商追求有機成長﹔法規•遵循是多數經紀商的主要課題
- 遵循FSA法規將對經紀商課以營業額10%的成本
- 經紀商對於FSA法規之優點有各種想法
- 多數的經紀商認為遵循FSA法規所必要的產業量過多
- 經紀商大致上滿足於保險業者為符合FSA條件的支援
- 半數以下的經紀商表示最需要來自保險業者的支援
- 大部分的經紀商皆因應遵循FSA的成本而修正成長策略
附錄
圖表
Abstract
Introduction
Datamonitor' s personal insurance broker survey analyses the opinions of 150
brokers covering their views on opportunities for growth as well as threats to
their business, their experiences of working with different insurers and their
attitudes towards regulation. The brief also offers insight into the factors
which drive broker satisfaction and examines brokers' attitudes towards
consolidation.
Scope of this research
- Information on the prevalence and the drivers of the broker network model.
- Insight into the level of satisfaction brokers have with their insurance
partners.
Research and analysis highlights
While consolidation activities have been largely discouraged by the current
recession, a significant proportion (36.0%) of respondents stated that they
had been approached by a consolidator over the last 12 months.
Direct insurers and aggregators posed the largest threat to respondents, with
75.3% of brokers stating that direct insurers were the largest threat to their
business, while a further 71.3% of respondents cited aggregators.
Key reasons to purchase this research
- Gain an insight into broker attitudes towards the greatest threats in the
market.
- Understand broker appetite for acquisitions and future consolidation.
- Gain a greater understanding of the issues facing personal brokers in the
UK.
Table of Contents
DATAMONITOR VIEW
ANALYSIS
- Many brokers felt the proportion of their business made up of personal
insurance would change in the next two to three years
- More than a third of brokers stated that their revenue was primarily
derived from personal lines insurance
- Almost half of brokers expect a change in the proportion of their
business dedicated to personal lines insurance
- Around half of respondents believe that their personal lines business
will grow in the next two to three years
- A third of brokers claimed they have been approached by a consolidator but
most do not intend to sell their business within the next two to three years
- Brokers are reluctant to sell their business within the next two to
three years
- Around one third of brokers claim they had been approached by a
consolidator over the last 12 months
- Out of respondents that had bean approached by a consolidator, 22%
stated that they had been approached by Swinton
- A quarter of brokers are considering acquiring other brokers in the next
12 months
- Only 9% of respondents are considering joining a broker network in the
next 12 months
- Direct insurers and aggregators pose the biggest threat to brokers, while
more brokers have their own websites
- Direct insurers and aggregators are still seen as the biggest threat to
brokers' business
- The majority of brokers do not currently partner with an aggregator
- Over a third of respondents do not currently possess a website
- The majority of respondents made less than half of their sales through
the internet
- A large proportion of brokers that do not have a website have no plans
to create a website in the future
- A large proportion of brokers value ‘excellent claim handling' and
‘rapid query response' , and indicated that Allianz, Zurich and Fortis
are particularly good to work with
- Brokers are generally satisfied with their insurance partners' services
- The majority of brokers think that Allianz, Zurich and Fortis are good
to work with
- Brokers value ‘excellent claim handling' and ‘rapid query
response' the most
- Brokers identified RSA and Aviva as insurers with the most opportunity
to improve their service levels
- Poor service from insurers remains a key concern among UK personal
brokers
- Regulation and compliance continue to be important to brokers, with FSA
regulation costing most brokers up to 10% of their turnover
- More than half of the brokers surveyed intend to pursue organic growth,
while regulation and compliance is a top priority for many brokers
- Compliance with FSA regulation costs most brokers up to 10% of their
turnover
- Brokers hold mixed views towards the benefits of FSA regulation
- The majority of brokers perceived the amount of work required to comply
with FSA regulation is excessive
- Brokers are generally happy with insurers' help in meeting FSA
requirements
- Less than half of brokers stated that they required more support from
insurers
- The majority of brokers have reviewed their costs and growth strategies
in response to extra costs from FSA compliance
APPENDIX
- Methodology
- Further reading
- Ask the analyst
- Datamonitor consulting
- Disclaimer
FIGURES
- Figure: More than a third of brokers identified personal lines insurance
to constitute the largest proportion of their turnover
- Figure: Just under half of brokers felt the proportion of their business
made up of personal insurance would change in the next two to three years
- Figure: The majority of brokers do not intend to sell their business
within the next two to three years
- Figure: Around one third of brokers have been approached by a consolidator
over the last 12 months
- Figure: A significant proportion of brokers stated that they had been
contacted by Swinton
- Figure: A quarter of brokers are considering acquiring a fellow broker
over the next 12 months
- Figure: Only 9% of brokers are considering joining a network in the next
12 months
- Figure: Direct insurers and aggregators were viewed as the biggest threat
to brokers' business
- Figure: Only 4.7% of brokers partner with an aggregator
- Figure: More than 60% of brokers stated that they had a company website
- Figure: Online sales only account for a small proportion of total revenue
- Figure: Only one third of brokers that do not have a website plan to
develop one
- Figure: More than two thirds of brokers stated that they were
‘satisfied' or very satisfied with the level of service received from
their insurer partners
- Figure: Allianz and Zurich were cited as the two best insurers to deal with
- Figure: Excellent claims handling and rapid query response are valued the
most by brokers
- Figure: About 20% of respondents cited RSA and Aviva as two insurers that
have the opportunity to improve their service level to brokers
- Figure: Poor service and inflexibility were the major reasons behind
broker dissatisfaction with their insurer partners
- Figure: FSA regulation and compliance continue to be a concern for most
brokers
- Figure: Complying with FSA regulation cost a third of brokers more than
10% of their annual turnover
- Figure: Around 40% of brokers perceived the impact of FSA regulation to be
positive on the overall general insurance industry
- Figure: Only 22.7% of brokers are satisfied with the level of work
required to meet FSA regulations
- Figure: More than half of brokers found insurers helpful in supporting
them to meet compliance with FSA regulation
- Figure: Just under half of brokers expressed that they would like to
receive more support from their insurance partners in helping with FSA
regulation
- Figure: The majority of brokers have reviewed their costs in response to
FSA regulation compliance
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