All together now.

Premium finance providers are starting to give brokers what they want - more flexible terms, training and access to more lucrative personal lines business - in an attempt to secure their loyalty. Simon Threadgold finds out more.

Signing a direct debit is less painful than paying a large bill in
cash. This is why so many people pay for their motor cover in
instalments.


It also explains the rise and rise of premium finance as a means of
funding personal lines insurances.


"Individuals want an easy life," says Ian Jerrum, chief executive of
Singer & Friedlander Insurance Finance. "They can plan their finances far
better if they pay by monthly instalments, instead of having to save up in
advance for each purchase."


Insurers have