Business Insurance. Purpose. Outline and discuss the key issues impacting the 2016 Ratings
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1 2016 Ratings roundtable meetings Business Insurance Hosted by Mike Powell Insight Analyst (General Insurance) Purpose Outline and discuss the key issues impacting the 2016 Ratings Get your feedback in order to finalise the criteria outlined in the discussion paper(s) 1
2 Agenda About Defaqto Ratings Key developments and trends Outline and discuss key issues Additional Q&A Next steps in the Ratings process About Defaqto Ratings Outcomes Outcomes Better financial decisions Simplify decision making Based on a promise Process Process Open and transparent methodology Relevant Stringent and consistent Values Values 100% independent Rate propositions not providers Rate all propositions in any given market 2
3 Key developments and trends Legislation and regulation - There have been no recent legislative developments or FCA reviews that will impact our thinking for the 2016 Star Ratings Provider and product numbers reducing - Trend shows that provider numbers are reducing - Product numbers have also reduced Market distribution continues to evolve - Brokers continue to dominate - Direct providers increasing challenge to broker dominance - Bank provider numbers reducing Business Insurance Context No major changes noted within all Star Rated business insurance areas Implications for the 2016 Ratings process No changes proposed to current Star Rating criteria No changes proposed to the current DNA structures of Star Rating criteria Key points for discussion Are there new product developments that should be considered as Star Rating criteria Is the current Star Rating criteria still relevant What are the current challenges within the market and will these affect the Star Rating criteria 3
4 Additional Q&A 4
5 Thank you Up next 5
6 2016 Ratings roundtable meetings Short Term Income Protection Mortgage Payment Protection Hosted by Ben Heffer Insight Analyst (Life & Protection) Purpose Outline and discuss the key issues impacting the 2016 Ratings Get your feedback in order to finalise the criteria outlined in the discussion paper 6
7 Agenda About Defaqto Ratings Key developments and trends Outline and discuss key issues Additional Q&A Next steps in the Ratings process About Defaqto Ratings Outcomes Outcomes Better financial decisions Simplify decision making Based on a promise Process Process Open and transparent methodology Relevant Stringent and consistent Values Values 100% independent Rate propositions not providers Rate all propositions in any given market 7
8 Key developments and trends Consumer trust at an all time low - The Syndicate research - consumers don t trust the industry - 204,946 PPI complaints in year to March PPI complaints 63% of all complaints to FOS million PPI complaints since inception Mortgage Market Review a challenge - Interviews taking up to three times longer - No time for protection conversation Insurance Premium Tax (IPT) hike Key developments and trends Positive indicators - Income Protection Taskforce (IPTF) - 7 Families - ABI work on income protection Products and providers - 53 STIP from 34 providers - 45 MPPI from 33 providers - Just 17 underwriting insurers - Fewer insurers and no banks or building societies 8
9 Key developments and trends Distribution - 55% direct products - 36% intermediated products - 9% direct/intermediated products - Trend towards intermediated propositions Product types - Credit card and personal loan PPI all but disappeared - MPPI products declining since STIP increasing from 2008 to 2012, now declining Claims statistics Context Reputation needs to be rebuilt Customers believe insurance products are poor value for money Customers don t trust insurance Implications for the 2016 Ratings process Need to reflect quality products that pay out Customer centric product design Key points for discussion Should providers publish claims paid statistics? Do customers understand claims ratios? 9
10 Claims support benefits Context Restoring reputation an imperative Product design for improved customer experience Implications for the 2016 Ratings process Quality products provide benefits in the here and now Healthy people don t need to claim Key points for discussion Should claims support services feature in the rating? Should health and wellbeing services feature? Additional Q&A 10
11 Thank you 11
12 Up next 12
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