I have just the one query about innovation and that is do customers actually want innovation?

When it comes to customers, buying insurance is mainly a grudge purchase, as much as we like to kid ourselves that we are providing a whole host of benefits and value, it will never be a purchase we are excited to make be it on a cool distribution platform or not. 

Work on utilising the data you receive and use that to help enhance the rewards customers receive and in turn their opinion of insurance will begin to change. A free coffee here and there in this world seems to go a long way....