{"id":45522,"date":"2024-01-22T10:44:57","date_gmt":"2024-01-22T10:44:57","guid":{"rendered":"https:\/\/www.elixirr.com\/en-us\/?p=45522"},"modified":"2025-11-10T14:38:50","modified_gmt":"2025-11-10T14:38:50","slug":"2024-trends-insurance-personal-lines","status":"publish","type":"post","link":"https:\/\/www.elixirr.com\/en-us\/2024-trends-insurance-personal-lines\/","title":{"rendered":"2024 Trends: Insurance \u2013 Personal Lines"},"content":{"rendered":"\n

With 2024 underway, over the next few weeks our insurance experts will offer exclusive insight on what the year ahead will bring for the industry as a whole. Up first: personal lines.<\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

Inflation and the resultant squeeze on household finances is predicted to continue this year, driving consumers to shop around for the lowest premiums in the market. Insurers bringing customer-centric offerings can attract and retain customers without damaging margin. Here are three customer-focused trends our insurance experts expect to see come to the fore within personal lines in 2024:<\/p>\n\n\n\n

    \n
  1. Personalized and flexible insurance products:<\/em> Although not new to the industry, expect to see insurance offerings, such as \u2018pay-as-you-go\u2019 vehicle insurance, enter the mainstream in 2024 as consumers look to limit their outgoings. The average car or van is in use for just 4% of the day in the UK<\/a> and cost-conscious consumers are demanding the option to pay for time on the road, not time in the driveway.<\/li>\n\n\n\n
  2. Insurance bundles: <\/em>While it’s common practice for insurers to offer product discounts to existing customers, the propensity for consumers to shop around for a better deal in 2024 serves up an opportunity for insurers to acquire customers across multiple lines through the bundling of products. By offering combination deals to insurance shoppers for home, motor, travel, gadget, pet and more, insurers can win new business across multiple lines at a low cost of acquisition.<\/li>\n\n\n\n
  3. Partnerships and rewards: <\/em>Providing customers with more than just insurance is a great way to attract and retain, without compromising price. Sky and Zurich\u2019s smart home insurance offering, which comes with \u00a3250 of smart home technology including leak sensors and doorbell cameras, is a really good example of a customer-centric insurance offering that sweetens the deal for consumers. Expect to see more innovative partnerships like this one, driven by the demand from consumers for more than just insurance in 2024.<\/li>\n<\/ol>\n\n\n\n

    Read on for exclusive insights from Partner Ben Gower<\/a>, Principal Tom Swift<\/a> and Principal James Tapper <\/a>on other notable trends for personal lines this year.<\/p>\n\n\n\n

    Replacing monolithic systems with flexible ecosystems<\/strong><\/h2>\n\n\n\n

    We\u2019ve seen two waves of transformation in the insurance industry over the last couple of decades.<\/p>\n\n\n\n

    First, a swathe of insurers undertaking large system changes to put in the big monolithic systems. Driven mostly by having large volumes of personal lines products, these firms started their transformations around a decade or so ago, with some being more successful than others. Since then, they\u2019ve gradually added tools and capabilities to meet their needs and those of their customers on top of these core systems. They\u2019ve also tried to stretch those systems across more complex sectors. It\u2019s created a tangled web of systems for many…<\/p>\n\n\n\n

    The other tranche of insurers are those that didn\u2019t take part in the first big transformations \u2013 many because their focus lay on the commercial and specialty side. But now, these organizations are seeing the need for major transformations.<\/p>\n\n\n\n

    Whichever tranche they are in, insurers are now wrestling with the extent they can create an ecosystem; the ability to plug in and unplug tools and systems with a relatively flexible architecture built around a solid data model, with the goal of being more nimble, faster to market, faster in the market, all while at lower costs to serve.<\/p>\n\n\n\n

    The race is on to see which tranche will be able to shift to the ecosystem approach faster \u2013 those that made big investments in their systems over 10 years ago based on monolithic infrastructure, or those investing afresh, looking to create an ecosystem from the outset.<\/p>\n\n\n\n

    A much bigger focus on risks related to climate change<\/strong><\/h2>\n\n\n\n

    From broken freezers (too hot) and broken pipes (too cold), to major flooding, coastal erosion and wildfires, the impacts of the climate crisis are really starting to bite for homeowners and their insurers. The cost of insured natural catastrophe events has doubled to \u00a3135bn globally<\/a> in the last decade alone and those costs are showing no signs of tapering. To date, insurers have priced this risk into premiums and added more and more exclusions for at-risk customers. However, insurers will need to find a more sustainable approach in order to continue to provide a safety net to these home owners without becoming prohibitive. Here are three alternative options organizations should look to explore in 2024:<\/p>\n\n\n\n

      \n
    1. Adapting risk modeling to better assess climate risks so that customers aren’t being unfairly penalized by out-of-date models (e.g. updating question sets to ask more detailed questions about climate risk for a specific property)<\/li>\n\n\n\n
    2. Incentivising customers to adopt climate prevention measures by reducing premiums for those that do (e.g. installing anti-flood doors or early warning systems)<\/li>\n\n\n\n
    3. Forming industry-funded research bodies to better understand climate risks and to develop innovative prevention measures, as the industry has so successfully done with Thatcham Research and vehicle risk research<\/li>\n<\/ol>\n\n\n\n

      Using AI and analytics to predict and prevent<\/strong><\/h2>\n\n\n\n

      With the cost of materials and labor increasing rapidly over the last two years, this has inevitably led to an increase in the cost of property and casualty claims, which in turn is being passed on to customers through their premiums.<\/p>\n\n\n\n

      Rather than relying on the policy holder to notify the insurer of an incident, the explosion of data availability has enabled insurers to either minimize a claim by identifying it early, or preventing the loss ever happening. Add to this the availability of low-cost internet of things (IoT) devices, such as moisture and noise sensors, and you have all the components required to move from a \u201crepair and replace\u201d approach to one that \u201cpredicts and prevents.\u201d<\/p>\n\n\n\n

      The challenge then becomes how you separate the information<\/em> from the data<\/em>, how you develop a culture of trust in the data, and the level of automation and transparency you allow in the decision-making.<\/p>\n\n\n\n

      From creating flexible ecosystems to effectively implementing AI-enhanced solutions, ensure your organization is leading the way within personal lines insurance this year, and beyond:<\/p>\n\n\n\n\n\n

      <\/a><\/h2>\n","protected":false},"excerpt":{"rendered":"

      With 2024 underway, over the next few weeks our insurance experts will offer exclusive insight on what the year ahead will bring for the industry as a whole. Up first:…<\/p>\n","protected":false},"author":5,"featured_media":45527,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[116],"tags":[104,297],"related_service":[],"related_industry":[60],"class_list":["post-45522","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-insurance","tag-insurance-trends"],"acf":[],"yoast_head":"\n2024 Trends: Insurance \u2013 Personal Lines - Elixirr - USA<\/title>\n<meta name=\"description\" content=\"Discover insights from our experts and find out what's to come in the insurance industry in 2024. 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https:\/\/www.elixirr.com\/en-us\/wp-content\/uploads\/sites\/2\/2024\/01\/insurance-trends-1640x984.jpg 1640w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/> <div class=\"wp-component-card__preview-icon\">\n <span class='edwp-svg '><svg width=\"47\" height=\"47\" viewBox=\"0 0 47 47\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<g>\n<path d=\"M23.4141 0.539062C36.1232 0.539183 46.4258 10.8416 46.4258 23.5508C46.4257 36.2599 36.1231 46.5624 23.4141 46.5625C10.7049 46.5625 0.402465 36.2599 0.402344 23.5508C0.402344 10.8415 10.7048 0.539062 23.4141 0.539062ZM23.4141 1.68945C11.3606 1.68945 1.55273 11.4974 1.55273 23.5508C1.55286 35.6041 11.3607 45.4111 23.4141 45.4111C35.4673 45.411 45.2743 35.604 45.2744 23.5508C45.2744 11.4974 35.4674 1.68957 23.4141 1.68945Z\" fill=\"currentColor\"\/>\n<path d=\"M19.2841 33.6992C18.9579 33.6986 18.6374 33.6111 18.3543 33.4454C17.7167 33.0759 17.3203 32.3585 17.3203 31.5797V15.8189C17.3203 15.0379 17.7167 14.3227 18.3543 13.9531C18.6442 13.7827 18.9735 13.6951 19.3078 13.6994C19.6421 13.7037 19.9692 13.7998 20.2548 13.9776L33.4237 22.0406C33.6981 22.2166 33.9244 22.461 34.0812 22.751C34.238 23.0409 34.3203 23.3668 34.3203 23.6982C34.3203 24.0295 34.238 24.3555 34.0812 24.6454C33.9244 24.9353 33.6981 25.1798 33.4237 25.3558L20.2527 33.421C19.9604 33.6017 19.6256 33.6979 19.2841 33.6992Z\" fill=\"currentColor\"\/>\n<\/g>\n<\/svg>\n<\/span> <\/div>\n <\/figure>\n <div class=\"wp-component-card__content edwp-row-load\">\n <p class=\"wp-component-card__eyebrow\">\n Articles <\/p>\n <a href='https:\/\/www.elixirr.com\/en-us\/2024-trends-insurance-personal-lines\/' class='wp-component-card__title'>\n <h2>\n 2024 Trends: Insurance \u2013 Personal Lines\n <\/h2>\n <\/a> <div class=\"wp-component-card__description\">\n With 2024 underway, over the next few weeks our insurance experts will offer exclusive insight on what the year ahead will bring for the industry as a whole. Up first:… <\/div>\n <div class=\"wp-component-card__meta\">\n <p class=\"wp-component-card__date\">\n 22 January 2024 <\/p>\n <div class=\"wp-component-card__terms\">\n <div class=\"wp-component-tags edwp-component\">\n <div class=\"wp-component-tags__tag\">\n Insurance <\/div>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"wp-component-card__button-wrapper\">\n <button class=\"btn btn--link arrow wp-component-card__button\">\n Read more <span class='edwp-svg '><svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<g id=\"Lg\">\n<path id=\"Vector\" d=\"M1.12509 9.50162H15.8648L9.43259 3.06941C9.374 3.0113 9.3275 2.94216 9.29576 2.86599C9.26403 2.78981 9.24769 2.70811 9.24769 2.62559C9.24769 2.54307 9.26403 2.46137 9.29576 2.38519C9.3275 2.30902 9.374 2.23988 9.43259 2.18177C9.54971 2.06535 9.70814 2 9.87328 2C10.0384 2 10.1969 2.06535 10.314 2.18177L17.8151 9.6829C17.8737 9.74101 17.9202 9.81014 17.9519 9.88632C17.9837 9.96249 18 10.0442 18 10.1267C18 10.2092 17.9837 10.2909 17.9519 10.3671C17.9202 10.4433 17.8737 10.5124 17.8151 10.5705L10.314 18.0717C10.1975 18.1871 10.0404 18.2522 9.87641 18.2529C9.79414 18.2534 9.71259 18.2376 9.63643 18.2065C9.56027 18.1754 9.491 18.1296 9.43259 18.0717C9.374 18.0135 9.3275 17.9444 9.29576 17.8682C9.26403 17.7921 9.24769 17.7104 9.24769 17.6278C9.24769 17.5453 9.26403 17.4636 9.29576 17.3874C9.3275 17.3113 9.374 17.2421 9.43259 17.184L15.8711 10.7518H1.12509C0.959309 10.7518 0.800312 10.686 0.683084 10.5687C0.565857 10.4515 0.5 10.2925 0.5 10.1267C0.5 9.96093 0.565857 9.80193 0.683084 9.68471C0.800312 9.56748 0.959309 9.50162 1.12509 9.50162Z\" fill=\"#1D0F25\"\/>\n<\/g>\n<\/svg>\n<\/span> <\/button>\n <\/div>\n <\/div>\n<\/article>\n","_links":{"self":[{"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/posts\/45522","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/comments?post=45522"}],"version-history":[{"count":3,"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/posts\/45522\/revisions"}],"predecessor-version":[{"id":62733,"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/posts\/45522\/revisions\/62733"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/media\/45527"}],"wp:attachment":[{"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/media?parent=45522"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/categories?post=45522"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/tags?post=45522"},{"taxonomy":"related_service","embeddable":true,"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/related_service?post=45522"},{"taxonomy":"related_industry","embeddable":true,"href":"https:\/\/www.elixirr.com\/en-us\/wp-json\/wp\/v2\/related_industry?post=45522"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}