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市場調查報告書
英國之商業保險仲介業：2010年
UK Commercial Insurance Broker Survey 2010
| 出版商 |
Datamonitor |
| 出版日期 |
2010年01月 |
商品編碼 |
111673 |
| 內容資訊 |
英文 24 pages |
| 價格 |
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英國之商業保險仲介業：2010年 是由出版商Datamonitor在2010年01月所出版的。
這份英文市場調查報告書包含24 pages 價格從美金1695起跳。
本報告為，以英國商業保險仲介業為對象，分析業者面臨之機會與危機，並匯集各企業成長策略、主要保險公司採取之態度、對產業重整之期待、對新興通路之警戒感與多方考察主要因素等最新訪問調查資訊，以下列摘要形式闡述。
Datamonitor之見解
分析
- 仲介業者在全國性規模之大型仲介業面臨最大威脅時，對小型商用車用保險來勢洶洶之直接銷售管道具有危機感小型商用車保險
- 對受訪者而言最大之威脅來自全國性規模之大型仲介業
- 受訪者認為直接銷售管道對小型商用車保險將招來極大危機
- 仲介業者對小型商用車保險費去年中之漲價感到不安
- 雖Allianz與Zurich被評價為最容易與其交易之保險公司，但支撐消費者滿意度之主因仍為產品品質
- 大多數仲介業者認為「Allianz與Zurich為優良之廠商」
- 仲介業者首要評價條件為「產品品質」與「對詢問之迅速回應」
- 被選為最需提升服務水準之保險公司為AXA與RSA
- 「保險公司之廉價服務」仍為對英國商業保險仲介業之憂心
- 產業重組雖依情況不同蠢蠢欲動，但多數受訪者希望提升自家公司之業績
- 多數受訪者希望透過開發新客戶與有機成長提升自家公司之業績
- 仲介業之整合預計在今後18個月中持續進行
- 今後保險費之增收仍為產業重整之主要推動因素
- 約半數之受訪者在過去18個月間皆有被仲介業者接觸之經驗
- 與仲介業者接觸中，有29%回答其接受了Swinton之邀請
- 多數商業保險仲介業已加盟可與大型保險集團接觸之網路或組織
- 多數商業保險仲介業已加盟仲介業者之網路或組織
- 加盟之目的大多為欲獲得透過與大型保險集團之接觸而增加商談能力
- 未加盟之仲介業者今後也無意加入網路
- 比例佔極多數之仲介業者在要銷售最高至10%之FSA（金融服務機關）認可上，希望從系列保險公司中「可以獲得很多援助」
- 依照FSA規定，多數仲介業者被強制支出銷售最高10%之金額
- 多數仲介業者仍然滿足於系列保險公司與FSA提供之高水準援助
- 對仲介業者而言比保險公司更能提供服務之領域為「不出錯之書面程序」
附錄
圖表
Abstract
Introduction
This brief analyses the opportunities and threats faced by commercial
insurance brokers. It covers a number of areas including the strategies
brokers intend to use to grow their business, their perception of the main
insurance companies, their appetite for making acquisitions or being acquired
and their view on the threat from alternative distribution channels.
Scope of this research
- Data on the prevalence of the broker network model and the factors which
are driving the model such as gaining access to a large panel of insurers.
- Insight into the insurance companies that brokers prefer to work with and
the reasons why these insurers are meeting brokers' needs.
- Information on acquisition activity including brokers' future intentions
to purchase and the reasons why.
Research and analysis highlights
A significant proportion of respondents (61.7%) believe that the direct
channel poses the greatest risk to small commercial vehicle insurance (an
insurance product for commercial vehicles that weigh less than three tons).
In the survey, brokers perceived a number of insurers positively. Of these,
Allianz and Zurich stood out as particularly good insurers to deal with, with
65.0% and 62.0% of respondents, respectively, naming these insurers.
Key reasons to purchase this research
- Gain insight into the prevalence of the broker network model, the factors
driving the model and the model' s future potential.
- Understand the future level of consolidation in the sector and the
companies which are most likely to drive this consolidation.
- Benchmark your broker service levels against those of your competitors and
understand the most important broker needs.
Table of Contents
DATAMONITOR VIEW
ANALYSIS
- Large national brokers pose the biggest threat to brokers, while the
direct channel is believed to pose the greatest risk to small commercial
vehicle insurance
- Large national brokers represent the largest threat to respondents
- Respondents believe that the direct channel poses the greatest risk to
small commercial vehicle insurance
- Brokers cited small commercial vehicle insurance products as most
susceptible to increases in premium rates during the last year
- Allianz and Zurich are considered to be good insurers to deal with, while
the quality of products is a key driver behind broker satisfaction
- The majority of brokers think that Allianz and Zurich are good to work
with
- Brokers value ‘quality of products' and ‘rapid query
response' the most
- Brokers identified AXA and RSA as insurers that most need to improve
their service levels
- Poor service from insurers remains a key concern among UK commercial
brokers
- The majority of respondents are seeking to grow their business, although
consolidation activity is likely to remain static
- The majority of respondents are seeking to grow their business through
targeting new customer groups or growing organically
- Consolidation between brokers is expected to continue to cool down in
the next 18 months
- Growing premium income remains a key driver behind consolidation activity
- Almost half of the respondents have been approached by a broker
consolidator over the last 18 months
- Of the respondents that had been approached by a consolidator, 29.0%
stated that they had been approached by Swinton
- Many commercial brokers are already part of a broker network or club which
allows them to gain access to a large panel of insurers
- Many commercial brokers have already joined a broker network or club
- Most brokers joined a network in order to access to a large panel of
insurers and to increase their bargaining position
- The majority of brokers that are not already in a broker network do not
intend to join one
- A significant proportion of brokers wish to receive more assistance from
their insurer partners in meeting FSA regulation, which costs most brokers up
to 10% of their turnover
- Compliance with FSA regulation costs most brokers up to 10% of their
turnover
- The majority of brokers remain satisfied with their insurer partners and
the level of help they receive to meet FSA regulation
- Accuracy of documentation is an area with which insurers could offer
more assistance to their broker partners
APPENDIX
- Supplementary data
- Methodology
- Further reading
- Ask the analyst
- Datamonitor consulting
- Disclaimer
TABLES
- Table: What level of threat do the following distribution channels pose to
you? (%)
- Table: On average, by approximately what percentage have premiums changed
in the last year, for the following business lines? (%)
- Table: What banding does your company fall into in terms of general
insurance premium income turnover?
- Table: What proportion of your business is commercial insurance compared
to personal insurance (in terms of premium income)?
FIGURES
- Figure: Large national brokers and small regional brokers represent the
largest threat to brokers
- Figure: The direct channel is believed to be the greatest risk to small
commercial vehicle insurance
- Figure: Brokers cited small commercial vehicle insurance as most
susceptible to premium rate increases over the last year
- Figure: Allianz and Zurich were cited as the two best insurers to deal with
- Figure: Good product quality and rapid query response are valued the most
by respondents
- Figure: AXA and RSA were cited as the two insurers with the most
opportunity to improve their service level to brokers
- Figure: Poor service and inflexibility were the major reasons behind
brokers' dissatisfaction with their insurer partners
- Figure: The majority of respondents are seeking to grow their business
through targeting new customer groups or growing organically
- Figure: Only 4.3% of respondents are planning to acquire a fellow broker
over the next 18 months
- Figure: Achieving growth in premium income remains a significant factor
behind a broker' s decision to acquire a fellow broker
- Figure: Almost half of the respondents have been approached by a broker
consolidator over the last 18 months
- Figure: A significant proportion of brokers stated that they have been
contacted by Swinton
- Figure: 45.7% of respondents are already part of a broker network or club
- Figure: Access to a large panel of insurers and better commission rates
were the most popular reasons for joining a broker network or club
- Figure: The majority of brokers are not willing to join a network in the
next 18 months
- Figure: Complying with FSA regulation cost 17% of brokers more than 10% of
their annual turnover
- Figure: Almost two-thirds of brokers found insurers helpful in supporting
them to comply with FSA regulation
- Figure: Accuracy of documentation, training and speed of documentation are
key areas in which insurers can offer broker partners improved assistance to
comply with FSA regulation
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