Leveraging NUI s scale advantage. Bridget McIntyre
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1 Leveraging NUI s scale advantage Bridget McIntyre
2 Four case studies to demonstrate: Strength of our competences - evolution of the NUI underwriting box creates value for commercial insurance Scale advantage which cannot be copied - distribution - innovation in motor and household
3 Case Study 1: Commercial - Focussing on the fundamentals NUI s Underwriting Box Prem Per Insured 150k NON CONV BUS CAUTION This business will normally be outside the Underwriting Box Refer to relevant Commercial Segment COLL- ECTIVE 75k CONST SERVICES LIABILITY MOTOR TRADE OTHERS FLEET PROPERTY OWNERS PROPERTY Entry criteria
4 Focussing on the fundamentals Continuous improvement Major UK Market losses 2001/ Wood Group - Edinburgh City Centre - Corus - Center Parcs - Triumph Motorcycles Total cost circa 500m NUI exposure around 8m 1.6% when our commercial market share is 17%
5 Sector specialism - Delivering profitable growth Commercial Segments 1, % 1,100 1, % 60.0% m 1,000 ECR % 55.0% % 45.0% / / / / / / / / / / / / / 12 GWP ( M) ECR (%) 40.0%
6 Case study 2: Distribution - proactive or reactive? NUI s current capability - Fully integrated multi distribution insurance company (FIMDIC) part of the NUI formula for success broad mix to deliver customer choice creates ability to take account of emerging market trends manage across the portfolio to deliver consistency through the cycle
7 Distribution - emerging trends Consolidation Growth of power brand Fast response direct players Ageing broker population Impact of regulation
8 NUI s platform for change CUSTOMERS Corporate Partners Intermediaries Corporate Partner Retail Capability IB Product Development & Pricing Customer Servicing Claims Management
9 NUI s platform for change CUSTOMERS Corporate Partners Value Semi Intermediaries Partners Direct Foundation Self On Site Serve Tailored Partners Props Corporate Partner Retail Capability U/W IB Acquiring Product Development & Pricing business Customer Servicing Claims Management
10 Case study 3: Household pricing Generating value from our personal lines data - improved risk selection - improved pricing - consistent rules Implemented in motor, now expanded to cover household
11 Flooding - background Aviva plc
12 Flood Modelling: Shrewsbury
13 SY3 7 28% of properties within this postcode area flood. Properties that DO flood
14 SY3 7 28% of properties within this postcode area flood. Properties that don t flood Properties that DO flood
15 A Comparison of Environment Agency and Norwich Union Flood Outlines for Eastern Shrewsbury EA outline NUI outline
16 Case Study 4: Mobility Solutions
17 Roadside Assistance NU Rescue launched January 2003 Individual pricing linked to likelihood of use Range of services 60,000 customers in four months - 20% more than forecast - premium income circa 3.1 million to end Q1 - plan to write 126,000 policies this year
18 Car provision Partnership with Lex and Oneswoop to launch yournucar.com - competitive pricing - finance deals - free NU rescue Exploring car provision following write offs NUI building a virtual forecourt
19 PAYD TM insurance Piloting August 2003 using telematics technology Technology here to stay Exclusive patent Fairer prices and monthly premiums based on use Monthly billing
20 Rate of fatal and serious accidents A roads: Built-up Other roads: Built-up Other roads: Non-built-up A roads: Non-built-up Motorways
21 Pay As You Drive In Pay As You Drive insurance Your monthly insurance premium you pay by direct debit is PAYD monthly billing Steve Riley Your Pay As You Drive insurance statement January 2003 Your Policy Number MOT Summary of usage Your Pay As You Drive insurance this month is There is no need to change your direct debit. Year to date your credit is Total mileage this month 845 Total mileage since commencement of policy (August to January inclusive) 5,732 How we have calculated your monthly usage bill for this month Miles covered Pence per Mile Premium charged Motorway p 3.21 Dual Carriageway p 4.68 Built up areas p 8.86 Non built up areas p Mileage based cost summary Your discounts Early riser Off Peak Weekend Commuter route Total discounts earned this month High risk charges No. of days Charge per day Premium charged Rainy days Ice/Snow days Total high risk charges this month Static risk Premium Total Monthly Usage Premium Insurance Premium Tax 2.07 Total insurance Premium Tip of the Month You will see that your bill includes 8.00 for use in the snow, which occurred on 14 January. Our research shows that the risk of collision when snow is lying on the ground is approximately 5 times as high as on a dry day. If you have to drive in the snow then we recommend: signal all manoeuvres much earlier than normally keep speed extremely low remember that pedestrians may slip and fall at any time treat cyclist as accidents waiting to happen Norwich Union Insurance Limited Registered in England No Registered office 8 Surrey Street Norwich NR1 3NG Member of the Aviva group Registered In England No Registered Office St Helen s 1 UndershaftLondon EC3P 3DQ Members of the General Insurance Standards Council
22 MOBILITY SOLUTIONS ROLLOUT CORE INSURANCE DRIVING SCHOOL YOUNG DRIVERS (START OF DRIVING CAREER) PROPOSITION MOBILITY SOLUTIONS MOBILITY INFORMATION SERVICES PAY AS YOU DRIVE PILOT PAY AS YOU DRIVE PRODUCT Car Provision Car Management NU RESCUE CARS FOR CUSTOMERS OVER 45 S PROPOSITION END OF DRIVING CAREER PROPOSITION Travel and Alternatives to Car Driver Training Excellent Incident Service REHABILITATION (PHYSIOFAST) MOT/SERVICE PRODUCT NUI as Motoring Services Aggregator TODAY 1H2003 2H Beyond 2005
23 Overall summary and conclusions NUI in a unique position Being good at core insurance Scale creates efficiency and capacity for innovation - telematics/digital mapping cannot be copied New propositions make NUI strategy visible and tangible
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