Drawing on experience.
The industry may seem to be rushing headlong into cyberspace, but the people who buy the policies are more circumspect with old habits dying hard. Insurers ignore existing channels of business at their peril.
Consumer behaviour remains volatile and that should concern retail insurers because it affects demand for products, how they are bought and how the organisations supplying and distributing them are perceived, says Swiss Re in its 2000 Insurance Report. Consumers have more confidence, are less tolerant of poor quality and service and their lives are being reshaped by technology.As general insurance products become commodities, direct distribution channels flourish, particularly with motor
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