Commercial Motor Insurance in the UK, Key Trends and Opportunities to 2018
The report provides market analysis, information and insights into the UK commercial motor insurance business, and offers
The report provides market analysis, information and insights into the UK commercial motor insurance business, and offers
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<strong>Commercial</strong> <strong>Mo<strong>to</strong>r</strong> <strong>Insurance</strong> <strong>in</strong> <strong>the</strong> <strong>UK</strong>, <strong>Key</strong> <strong>Trends</strong> <strong>and</strong><br />
<strong>Opportunities</strong> <strong>to</strong> <strong>2018</strong><br />
On 9 th April 2014<br />
Report Synopsis<br />
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The report provides market analysis, <strong>in</strong>formation <strong>and</strong> <strong>in</strong>sights <strong>in</strong><strong>to</strong> <strong>the</strong> <strong>UK</strong> commercial<br />
mo<strong>to</strong>r <strong>in</strong>surance <strong>in</strong>surance bus<strong>in</strong>ess, <strong>and</strong> offers:<br />
A snapshot of <strong>the</strong> markets size <strong>and</strong> market segmentation<br />
Comprehensive analysis of claims, drivers <strong>and</strong> market outlook<br />
Analysis of distribution channels<br />
Deals, news <strong>and</strong> regula<strong>to</strong>ry developments<br />
Scope<br />
This report provides market analysis, <strong>in</strong>formation <strong>and</strong> <strong>in</strong>sights <strong>in</strong><strong>to</strong> <strong>the</strong> <strong>UK</strong> commercial mo<strong>to</strong>r<br />
<strong>in</strong>surance bus<strong>in</strong>ess<br />
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It provides a global snapshot of market size<br />
It analyses drivers <strong>and</strong> <strong>the</strong> outlook for <strong>the</strong> market<br />
It provides <strong>in</strong>formation on distribution channels<br />
It covers deals, news <strong>and</strong> regula<strong>to</strong>ry developments<br />
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Reasons <strong>to</strong> Buy<br />
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Ga<strong>in</strong> an underst<strong>and</strong><strong>in</strong>g of <strong>the</strong> <strong>UK</strong> commercial mo<strong>to</strong>r <strong>in</strong>surance market size<br />
Learn about <strong>the</strong> performance of market drivers <strong>and</strong> distribution channels<br />
Underst<strong>and</strong> <strong>the</strong> competitive l<strong>and</strong>scape <strong>in</strong> terms of performance, profitability <strong>and</strong><br />
product <strong>in</strong>novation<br />
F<strong>in</strong>d out more on key deals <strong>and</strong> recent developments <strong>in</strong> <strong>the</strong> market<br />
<strong>Key</strong> Highlights<br />
Performance defied difficult economic conditions<br />
The recession constra<strong>in</strong>ed <strong>in</strong>vestment <strong>in</strong> commercial vehicles<br />
Insurers <strong>in</strong> <strong>the</strong> category have struggled <strong>to</strong> make a profit<br />
Claims costs have risen sharply<br />
Measures <strong>to</strong> combat fraud are expected <strong>to</strong> alleviate <strong>the</strong> claims burden<br />
Favorable fac<strong>to</strong>rs will drive strong growth from 2015<br />
O<strong>the</strong>r <strong>in</strong>dustries we cover:<br />
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Advertis<strong>in</strong>g <strong>and</strong> Media<br />
Au<strong>to</strong>motive <strong>and</strong> Parts<br />
Consumer Goods<br />
Healthcare <strong>and</strong> Medical<br />
F<strong>in</strong>ance <strong>and</strong> Bank<strong>in</strong>g<br />
Food <strong>and</strong> Beverages<br />
Travel <strong>and</strong> Tourism<br />
Textiles <strong>and</strong> Cloth<strong>in</strong>g<br />
SWOT Analysis<br />
Table of Content<br />
1 Summary<br />
2 Introduction<br />
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2.1 What is this Report About?<br />
2.2 Def<strong>in</strong>itions<br />
2.3 Methodology<br />
3 Market Analysis<br />
3.1 Market Size<br />
3.1.1 Fleets<br />
3.1.2 <strong>Commercial</strong> vehicles (non-fleet)<br />
3.1.3 O<strong>the</strong>r commercial mo<strong>to</strong>r<br />
3.1.4 Penetration <strong>and</strong> density<br />
3.2 Claims<br />
3.2.1 Claims review<br />
3.2.2 Claims outlook<br />
3.3 Market Drivers<br />
3.4 Market Outlook<br />
3.5 Distribution Channels<br />
3.5.1 Distribution outlook<br />
3.6 Re<strong>in</strong>surance<br />
4 Competitive L<strong>and</strong>scape<br />
4.1 Profitability<br />
4.1.1 Investment returns<br />
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4.1.2 Profitability outlook<br />
4.2 Review The Best Performers of 2012<br />
4.3 Product Innovation<br />
4.4 <strong>Commercial</strong> <strong>Mo<strong>to</strong>r</strong> <strong>Insurance</strong> SWOT Analysis<br />
5 Porters Five Forces Analysis<br />
5.1 Barga<strong>in</strong><strong>in</strong>g Power of Suppliers: Low<br />
5.2 Barga<strong>in</strong><strong>in</strong>g Power of Buyers: Medium<br />
5.3 Barriers <strong>to</strong> Entry: Medium<br />
5.4 Intensity of Rivalry: Medium <strong>to</strong> High<br />
5.5 Threat of Substitution: Low<br />
6 Deals<br />
6.1 Experian Extends Deal <strong>to</strong> Ma<strong>in</strong>ta<strong>in</strong> <strong>Mo<strong>to</strong>r</strong> <strong>Insurance</strong> Database<br />
6.2 Direct L<strong>in</strong>e Group Completes Sale of Telematics Bus<strong>in</strong>ess<br />
6.3 Axa Signs Broker Deal<br />
6.4 Broker Deal for Trades <strong>Commercial</strong> <strong>Mo<strong>to</strong>r</strong> <strong>Insurance</strong><br />
6.5 Ageas Extends Vauxhall Partnership<br />
6.6 RSA Extends Motability Deal<br />
7 News<br />
7.1 <strong>Commercial</strong> <strong>Insurance</strong> Ambitions for Allianz<br />
7.2 Direct L<strong>in</strong>e Group Aims <strong>to</strong> Exp<strong>and</strong> Van <strong>Insurance</strong><br />
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7.3 Ageas Partners With <strong>Key</strong>choice<br />
7.4 Liverpool Vic<strong>to</strong>ria Exp<strong>and</strong>s <strong>Commercial</strong> <strong>Mo<strong>to</strong>r</strong> Underwrit<strong>in</strong>g Team<br />
7.5 Brokers Concerned Over Avivas Fleet Book<br />
8 Regulation <strong>and</strong> Compliance<br />
8.1 Recent Changes<br />
8.1.1 EU Gender Directive<br />
8.1.2 Legal Aid, Sentenc<strong>in</strong>g <strong>and</strong> Punish<strong>in</strong>g of Offenders Act 2012 (LASPO)<br />
8.2 Upcom<strong>in</strong>g Regulations<br />
8.2.1 My Licence driver database<br />
8.2.2 Solvency II<br />
9 Macroeconomic Backdrop<br />
9.1 Real GDP Growth<br />
9.2 Bus<strong>in</strong>ess Investment<br />
9.3 <strong>Commercial</strong> Vehicle Registrations<br />
9.4 Inflation<br />
9.5 Interest Rates<br />
10 Company Profiles<br />
10.1 Ageas (<strong>UK</strong>) Ltd Company Overview<br />
10.1.1 Ageas (<strong>UK</strong>) Ltd key facts<br />
10.1.2 Ageas (<strong>UK</strong>) Ltd ma<strong>in</strong> products<br />
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10.1.3 Ageas (<strong>UK</strong>) Ltd ma<strong>in</strong> competi<strong>to</strong>rs<br />
10.1.4 Ageas (<strong>UK</strong>) Ltd key employees<br />
10.2 Allianz <strong>Insurance</strong> Plc Company Overview<br />
10.2.1 Allianz <strong>Insurance</strong> Plc key facts<br />
10.2.2 Allianz <strong>Insurance</strong> Plc ma<strong>in</strong> products<br />
10.2.3 Allianz <strong>Insurance</strong> Plc ma<strong>in</strong> competi<strong>to</strong>rs<br />
10.2.4 Allianz <strong>Insurance</strong> Plc key employees<br />
10.3 Aviva Plc Company Overview<br />
10.3.1 Aviva Plc key facts<br />
10.3.2 Aviva Plc ma<strong>in</strong> products<br />
10.3.3 Aviva Plc ma<strong>in</strong> competi<strong>to</strong>rs<br />
10.3.4 Aviva Plc key employees<br />
10.4 Axa <strong>UK</strong> Plc Company Overview<br />
10.4.1 Axa <strong>UK</strong> Plc key facts<br />
10.4.2 Axa <strong>UK</strong> Plc ma<strong>in</strong> products<br />
10.4.3 Axa <strong>UK</strong> Plc ma<strong>in</strong> competi<strong>to</strong>rs<br />
10.4.4 Axa <strong>UK</strong> Plc key employees<br />
10.5 Direct L<strong>in</strong>e <strong>Insurance</strong> Group Plc Company Overview<br />
10.5.1 Direct L<strong>in</strong>e <strong>Insurance</strong> Group Plc key facts<br />
10.5.2 Direct L<strong>in</strong>e <strong>Insurance</strong> Group Plc ma<strong>in</strong> products<br />
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10.5.3 Direct L<strong>in</strong>e <strong>Insurance</strong> Group Plc ma<strong>in</strong> competi<strong>to</strong>rs<br />
10.5.4 Direct L<strong>in</strong>e <strong>Insurance</strong> Group Plc key employees<br />
10.6 Liverpool Vic<strong>to</strong>ria Friendly Society Ltd Company Overview<br />
10.6.1 Liverpool Vic<strong>to</strong>ria Friendly Society Ltd key facts<br />
10.6.2 Liverpool Vic<strong>to</strong>ria Friendly Society Ltd ma<strong>in</strong> products<br />
10.6.3 Liverpool Vic<strong>to</strong>ria Friendly Society Ltd ma<strong>in</strong> competi<strong>to</strong>rs<br />
10.6.4 Liverpool Vic<strong>to</strong>ria Friendly Society Ltd key employees<br />
10.7 National Farmers Union Mutual <strong>Insurance</strong> Society Company Overview<br />
10.7.1 National Farmers Union Mutual <strong>Insurance</strong> Society key facts<br />
10.7.2 National Farmers Union Mutual <strong>Insurance</strong> Society ma<strong>in</strong> products<br />
10.7.3 National Farmers Union Mutual <strong>Insurance</strong> Society ma<strong>in</strong> competi<strong>to</strong>rs<br />
10.7.4 National Farmers Union Mutual <strong>Insurance</strong> Society key employees<br />
10.8 QBE <strong>Insurance</strong> (Europe) Ltd Company Overview<br />
10.8.1 QBE <strong>Insurance</strong> (Europe) Ltd key facts<br />
10.8.2 QBE <strong>Insurance</strong> (Europe) Ltd ma<strong>in</strong> products<br />
10.8.3 QBE <strong>Insurance</strong> (Europe) Ltd ma<strong>in</strong> competi<strong>to</strong>rs<br />
10.8.4 QBE <strong>Insurance</strong> (Europe) Ltd key employees<br />
10.9 Royal & Sun Alliance <strong>Insurance</strong> Plc Company Overview<br />
10.9.1 Royal & Sun Alliance <strong>Insurance</strong> Plc key facts<br />
10.9.2 Royal & Sun Alliance <strong>Insurance</strong> Plc ma<strong>in</strong> products<br />
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10.9.3 Royal & Sun Alliance <strong>Insurance</strong> Plc ma<strong>in</strong> competi<strong>to</strong>rs<br />
10.9.4 Royal & Sun Alliance <strong>Insurance</strong> Plc key employees<br />
10.10 Zurich <strong>Insurance</strong> Plc Company Overview<br />
10.10.1 Zurich <strong>Insurance</strong> Plc key facts<br />
10.10.2 Zurich <strong>Insurance</strong> Plc ma<strong>in</strong> products<br />
10.10.3 Zurich <strong>Insurance</strong> Plc ma<strong>in</strong> competi<strong>to</strong>rs<br />
10.10.4 Zurich <strong>Insurance</strong> Plc key employees<br />
11 Statistics<br />
11.1 Review Period: 20082012<br />
11.2 Forecast Period: 2013<strong>2018</strong><br />
12 Appendix<br />
12.1 Methodology<br />
12.2 Contact Timetric<br />
12.3 About Timetric<br />
12.4 Timetrics Services<br />
12.5 Disclaimer<br />
List of Tables<br />
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Table 1: <strong>Insurance</strong> Industry Def<strong>in</strong>itions<br />
Table 2: <strong>UK</strong> <strong>Commercial</strong> <strong>Mo<strong>to</strong>r</strong> <strong>Insurance</strong> Market Summary<br />
(GBP Thous<strong>and</strong>), 20082012<br />
Table 3: <strong>UK</strong> <strong>Commercial</strong> <strong>Mo<strong>to</strong>r</strong> <strong>Insurance</strong> Market SWOT Analysis<br />
Table 4: Recent <strong>and</strong> Upcom<strong>in</strong>g <strong>UK</strong> Regula<strong>to</strong>ry Changes<br />
Table 5: Ageas (<strong>UK</strong>) Ltd, <strong>Key</strong> Facts<br />
Table 6: Ageas (<strong>UK</strong>) Ltd, Ma<strong>in</strong> Products<br />
Table 7: Ageas (<strong>UK</strong>) Ltd, <strong>Key</strong> Employees<br />
Table 8: Allianz <strong>Insurance</strong> Plc, <strong>Key</strong> Facts<br />
Table 9: Allianz <strong>Insurance</strong> Plc, Ma<strong>in</strong> Products<br />
Table 10: Allianz <strong>Insurance</strong> Plc, <strong>Key</strong> Employees<br />
Table 11: Aviva Plc, <strong>Key</strong> Facts<br />
Table 12: Aviva Plc, Ma<strong>in</strong> Products<br />
Table 13: Aviva Plc, <strong>Key</strong> Employees<br />
Table 14: Axa <strong>UK</strong> Plc, <strong>Key</strong> Facts<br />
Table 15: Axa <strong>UK</strong> Plc, Ma<strong>in</strong> Products<br />
Table 16: Axa <strong>UK</strong> Plc, <strong>Key</strong> Employees<br />
Table 17: Direct L<strong>in</strong>e <strong>Insurance</strong> Group Plc <strong>Key</strong> Facts<br />
Table 18: Direct L<strong>in</strong>e <strong>Insurance</strong> Group Plc Ma<strong>in</strong> Products<br />
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Table 19: Direct L<strong>in</strong>e <strong>Insurance</strong> Group Plc <strong>Key</strong> Employees<br />
Table 20: Liverpool Vic<strong>to</strong>ria Friendly Society Ltd, <strong>Key</strong> Facts<br />
Table 21: Liverpool Vic<strong>to</strong>ria Friendly Society Ltd, Ma<strong>in</strong> Products<br />
Table 22: Liverpool Vic<strong>to</strong>ria Friendly Society Ltd, <strong>Key</strong> Employees<br />
Table 23: National Farmers Union Mutual <strong>Insurance</strong> Society, <strong>Key</strong> Facts<br />
Table 24: National Farmers Union Mutual <strong>Insurance</strong> Society, Ma<strong>in</strong> Products<br />
Table 25: National Farmers Union Mutual <strong>Insurance</strong> Society, <strong>Key</strong> Employees<br />
Table 26: QBE <strong>Insurance</strong> (Europe) Ltd, <strong>Key</strong> Facts<br />
Table 27: QBE <strong>Insurance</strong> (Europe) Ltd, Ma<strong>in</strong> Products<br />
Table 28: QBE <strong>Insurance</strong> (Europe) Ltd, <strong>Key</strong> Employees<br />
Table 29: Royal & Sun Alliance <strong>Insurance</strong> Plc, <strong>Key</strong> Facts<br />
Table 30: Royal & Sun Alliance <strong>Insurance</strong> Plc, Ma<strong>in</strong> Products<br />
Table 31: Royal & Sun Alliance <strong>Insurance</strong> Plc, <strong>Key</strong> Employees<br />
Table 32: Zurich <strong>Insurance</strong> Plc, <strong>Key</strong> Facts<br />
Table 33: Zurich <strong>Insurance</strong> Plc, Ma<strong>in</strong> Products<br />
Table 34: Zurich <strong>Insurance</strong> Plc, <strong>Key</strong> Employees<br />
Table 35: <strong>Commercial</strong> <strong>Mo<strong>to</strong>r</strong> <strong>Insurance</strong> (GBP Thous<strong>and</strong>), 20082012<br />
Table 36: <strong>Commercial</strong> <strong>Mo<strong>to</strong>r</strong> <strong>Insurance</strong> (GBP Thous<strong>and</strong>), 2013<strong>2018</strong><br />
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List of Figures<br />
Figure 1: <strong>UK</strong> <strong>Commercial</strong> <strong>Mo<strong>to</strong>r</strong> <strong>Insurance</strong> Gross Written Premiums (GBP Million), 20082012<br />
Figure 2: <strong>UK</strong> <strong>Commercial</strong> <strong>Mo<strong>to</strong>r</strong> <strong>Insurance</strong> Category Shares by Gross Written Premium (%), 2012<br />
Figure 3: <strong>UK</strong> Fleet <strong>Commercial</strong> Vehicles Gross Written Premium (GBP Million), 20082012<br />
Figure 4: <strong>UK</strong> Non-Fleet <strong>Commercial</strong> Vehicles Gross Written Premium (GBP Million), 20082012<br />
Figure 5: O<strong>the</strong>r <strong>UK</strong> <strong>Commercial</strong> Vehicles Gross Written Premium (GBP Million), 20082012<br />
Figure 6: <strong>UK</strong> <strong>Commercial</strong> <strong>Mo<strong>to</strong>r</strong> <strong>Insurance</strong> Penetration Rate (%) <strong>and</strong> Density (GBP), 20082012<br />
Figure 7: <strong>UK</strong> <strong>Commercial</strong> <strong>Mo<strong>to</strong>r</strong> <strong>Insurance</strong> Net Claims Paid <strong>and</strong> Incurred (GBP Million),<br />
20082012<br />
Figure 8: Reported <strong>UK</strong> Road Accidents <strong>and</strong> <strong>Mo<strong>to</strong>r</strong> Compensation Cases Lodged (Thous<strong>and</strong>),<br />
20072013<br />
Figure 9: <strong>UK</strong> Bus<strong>in</strong>ess Investment Growth (%), 20042013<br />
Figure 10: New <strong>UK</strong> <strong>Commercial</strong> Vehicle Registrations (Thous<strong>and</strong>s), 20042012<br />
Figure 11: New <strong>UK</strong> Car Registrations (Millions), 20082013<br />
Figure 12: <strong>UK</strong> S<strong>to</strong>ck of <strong>Commercial</strong> Vehicles (Thous<strong>and</strong>), 20042012<br />
Figure 13: <strong>UK</strong> <strong>Commercial</strong> <strong>Mo<strong>to</strong>r</strong> <strong>Insurance</strong> Gross Written Premiums Forecast (GBP Million)<br />
2013<strong>2018</strong><br />
Figure 14: <strong>UK</strong> <strong>Commercial</strong> <strong>Mo<strong>to</strong>r</strong> <strong>Insurance</strong> Commissions (GBP Millions) 20082012<br />
Figure 15: <strong>UK</strong> <strong>Commercial</strong> <strong>Mo<strong>to</strong>r</strong> <strong>Insurance</strong> Comb<strong>in</strong>ed Operat<strong>in</strong>g Ratio (%) 20082012<br />
Figure 16: <strong>UK</strong> <strong>Commercial</strong> <strong>Mo<strong>to</strong>r</strong> <strong>Insurance</strong> Loss <strong>and</strong> Expense Ratios (%) 20082012<br />
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Figure 17: Market Shares of <strong>the</strong> Top 10 <strong>UK</strong> <strong>Commercial</strong> <strong>Mo<strong>to</strong>r</strong> Insurers (%) <strong>in</strong> 2012<br />
Figure 18: <strong>UK</strong> <strong>Commercial</strong> <strong>Mo<strong>to</strong>r</strong> <strong>Insurance</strong> Five Forces Analysis<br />
Figure 19: <strong>UK</strong> <strong>Insurance</strong> Regula<strong>to</strong>ry Framework<br />
Figure 20: <strong>UK</strong> Real GDP Growth (%), 20082017<br />
Figure 21: <strong>UK</strong> Private Sec<strong>to</strong>r Net Lend<strong>in</strong>g <strong>and</strong> Bus<strong>in</strong>ess Investment (%), 20042013<br />
Figure 22: <strong>UK</strong> New <strong>Commercial</strong> Vehicle Registrations, 2004-2013<br />
Figure 23: <strong>UK</strong> Consumer Price Inflation (%), 20042013<br />
Figure 24: <strong>UK</strong> Bank of Engl<strong>and</strong> Rate (%), 20042012<br />
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