INSURANCE INSIGHTS

Let’s be honest, professional services as we know it won’t survive the next five years unless it evolves. The world doesn’t need more advice. It needs partners who build, not just brief.   That means moving beyond clever decks and day rates. It’s about turning expertise into products - repeatable, scalable solutions that actually do something.   At WHO2, that’s the shift we’ve already made. We help others do the same, whether that’s a broker, insurer, or data business by help

When Jeff and I kicked off Who2, one of the first things we agreed on was simple: we’re only as strong as the team we build around us. I’ve been leading teams for over two decades. In 23 years, I’ve never lost a direct report. Not one. People have been promoted, moved on in their careers, and gone on to bigger things but no one has ever left because they didn’t want to work with me or the team anymore. That’s not luck. That’s trust. When people asked for time off, I never onc

Let’s keep this simple. Here’s what we think is going on in the personal lines market right now. Car  Car insurance prices have finally started to ease. After two years of big hikes, the last couple of quarters have seen average premiums come down a bit – around 4% lower in Q2. Don’t expect this to carry on forever though; we may be close to the bottom. What this means: competition is fierce, but it’s still a margin game. Renewal pricing and retention tactics matter more than

You’ve probably heard the term ESG thrown around in boardrooms, insurer meetings, or on LinkedIn. But let’s be honest most brokers still ask the same question:  “What’s ESG got to do with me?” The answer: quite a lot. Environmental This is about how your business impacts the planet. Are you still sending paper documents when digital will do? Do you know your carbon footprint from offices and travel? Are you supporting greener products (like EV insurance or home energy-friendl

Where We Are Now So far in 2025, the average cost of a comprehensive car insurance policy in the UK has been falling compared to last year. Across multiple market reports, premiums are tracking at their lowest levels for over two years. The year started with noticeable drops against 2024 pricing. By spring, typical policies were over 15% cheaper than they were at the same point the year before. In pounds and pence, that’s a fall of around £140 to £160 on the average policy. E

The FCA has recently revisited the role of referral fees in UK motor insurance claims, warning that these arrangements can drive up costs and extend settlement times. What are referral fees? These are payments made when a customer is passed from one business to another – for example, when a non-fault driver is referred by their insurer to a credit hire or repair firm. Fees can range from around £30 to over £1,000. FCA’s findings The regulator found that involving additional o

Year to date picture Aggregator (price comparison website) new-business quote volumes are down compared to last year. Several factors are driving the change: Fewer people are shopping around or switching, following the FCA’s pricing reforms that mean renewal premiums must be no higher than the equivalent new business price. This has reduced the need for some customers to seek a better deal elsewhere. 2024 set a high bar. Last year saw exceptionally high switching levels along

I’ve been re-reading a cracking book lately. It’s called “Will It Make the Boat Go Faster?” by Ben Hunt-Davis, a rower who helped the British men’s eight go from no-hope finalists to Olympic gold in Sydney 2000.  The big idea? Every decision the team made, every session, every tactic, every meal, every chat… was filtered through one brutally simple lens:  “Will it make the boat go faster?”  If the answer was no, they didn’t do it. No excuses. No committee waffle. Just clarity