ABI Yearbook 2009

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Contents Foreword..........................................................................................................................7 Chairman’s Introduction.............................................................................................9 The Director General’s View ..................................................................................11 Retail Distribution Review.......................................................................................13 The rise and rise of the consumer........................................................................17 Encouraging saving – now or never.....................................................................19 Health insurance – necessity or luxury?...................................................<a title="ABI Yearbook 2009 page 11" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=11">Chairman’s Introduction</a> Chairman’s Introduction<a title="ABI Yearbook 2009 page 47" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=47"></a> <a title="ABI Yearbook 2009 page 37" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=37">ABI research programmeThe Association </a> ABI research programmeThe Association <a title="ABI Yearbook 2009 page 36" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=36">A preliminary view of the insurance industry’s 20</a> A preliminary view of the insurance industry’s 20<a title="ABI Yearbook 2009 page 28" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=28">To understand the importance of ProtectionInsura</a> To understand the importance of ProtectionInsura<a title="ABI Yearbook 2009 page 4" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=4">2</a> 2<a title="ABI Yearbook 2009 page 3" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=3">1</a> 1<a title="ABI Yearbook 2009 page 16" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=16">Retail Distribution Reviewand services rela</a> Retail Distribution Reviewand services rela<a title="ABI Yearbook 2009 page 42" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=42">ABI Conferences 2009During the year the Associ</a> ABI Conferences 2009During the year the Associ<a title="ABI Yearbook 2009 page 38" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=38">36</a> 36<a title="ABI Yearbook 2009 page 23" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=23">Encouraging saving – now or neverrecession </a> Encouraging saving – now or neverrecession <a title="ABI Yearbook 2009 page 41" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=41">39</a> 39<a title="ABI Yearbook 2009 page 15" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=15">Retail Distribution ReviewDescribed by</a> Retail Distribution ReviewDescribed by<a title="ABI Yearbook 2009 page 34" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=34">All change – challenging times in Europeof </a> All change – challenging times in Europeof <a title="ABI Yearbook 2009 page 27" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=27">Is it time shareholders raised their voices?</a> Is it time shareholders raised their voices?<a title="ABI Yearbook 2009 page 26" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=26">Is it time shareholdersraised their voices?</a> Is it time shareholdersraised their voices?<a title="ABI Yearbook 2009 page 45" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=45">REHABILITATION INSURANCE</a> REHABILITATION INSURANCE<a title="ABI Yearbook 2009 page 14" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=14"></a> <a title="ABI Yearbook 2009 page 17" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=17">Inspection of records Underwriting com</a> Inspection of records Underwriting com<a title="ABI Yearbook 2009 page 40" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=40"></a> <a title="ABI Yearbook 2009 page 33" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=33">All change – challenging timesin EuropeT</a> All change – challenging timesin EuropeT<a title="ABI Yearbook 2009 page 31" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=31">Climate change – time for the talking to stop</a> Climate change – time for the talking to stop<a title="ABI Yearbook 2009 page 5" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=5">Association of British Insurers </a> Association of British Insurers <a title="ABI Yearbook 2009 page 19" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=19">‘Consumer power’ is a concept that we are allfam</a> ‘Consumer power’ is a concept that we are allfam<a title="ABI Yearbook 2009 page 12" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=12"></a> <a title="ABI Yearbook 2009 page 20" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=20">The rise and rise of the consumer</a> The rise and rise of the consumer<a title="ABI Yearbook 2009 page 29" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=29">Protection insurance – is it a vital need or a gr</a> Protection insurance – is it a vital need or a gr<a title="ABI Yearbook 2009 page 18" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=18">Leaders in Specialist Media> Full Publishing Se</a> Leaders in Specialist Media> Full Publishing Se<a title="ABI Yearbook 2009 page 24" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=24">Health insurance –necessity or luxury?Go</a> Health insurance –necessity or luxury?Go<a title="ABI Yearbook 2009 page 2" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=2"></a> <a title="ABI Yearbook 2009 page 22" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=22">Encouraging saving – now or never</a> Encouraging saving – now or never<a title="ABI Yearbook 2009 page 43" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=43">Business Services SectionCOMMERCIAL MOTOR INSURA</a> Business Services SectionCOMMERCIAL MOTOR INSURA<a title="ABI Yearbook 2009 page 32" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=32">Climate change – time for the talking to stop</a> Climate change – time for the talking to stop<a title="ABI Yearbook 2009 page 6" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=6">4</a> 4<a title="ABI Yearbook 2009 page 46" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=46">Advertisers’ IndexAdvantage Insurance Comp</a> Advertisers’ IndexAdvantage Insurance Comp<a title="ABI Yearbook 2009 page 44" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=44">INSURANCE SERVICESIMCS (UK) PLCIMCS (UK) PLC,</a> INSURANCE SERVICESIMCS (UK) PLCIMCS (UK) PLC,<a title="ABI Yearbook 2009 page 13" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=13">The Director General’s View</a> The Director General’s View<a title="ABI Yearbook 2009 page 30" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=30">Climate change –time for the talking to stop</a> Climate change –time for the talking to stop<a title="ABI Yearbook 2009 page 35" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=35">A preliminary view of theinsurance industry’s 20</a> A preliminary view of theinsurance industry’s 20<a title="ABI Yearbook 2009 page 10" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=10">RYMATTCOMMUNICATIONS Established in late 19</a> RYMATTCOMMUNICATIONS Established in late 19<a title="ABI Yearbook 2009 page 7" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=7">ContentsForeword..........</a> ContentsForeword..........<a title="ABI Yearbook 2009 page 8" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=8">6</a> 6<a title="ABI Yearbook 2009 page 39" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=39">37</a> 37<a title="ABI Yearbook 2009 page 9" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=9">ForewordPaul</a> ForewordPaul<a title="ABI Yearbook 2009 page 1" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=1"></a> <a title="ABI Yearbook 2009 page 21" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=21">Encouraging saving – now or neverThe cha</a> Encouraging saving – now or neverThe cha<a title="ABI Yearbook 2009 page 25" href="http://viewer.zmags.co.uk/publication/9d87d42b?page=25">Health insurance – necessity or luxury?The </a> Health insurance – necessity or luxury?The