<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Who2Global]]></title><description><![CDATA[Who2Global]]></description><link>https://www.who2global.co.uk/blog</link><generator>RSS for Node</generator><lastBuildDate>Wed, 03 Jun 2026 21:50:44 GMT</lastBuildDate><atom:link href="https://www.who2global.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Potholes and the customer...The WHO2 view]]></title><description><![CDATA[THE WHO2 GLOBAL VIEW POTHOLE DAMAGE IS NO LONGER NOISE IN THE MOTOR BOOK. It is a line item. For years, pothole damage sat in the annoying but immaterial category. A tyre here. An alloy there. A customer grumble. Nothing strategic. That is not what we are seeing now.  Through Benchmarq360, reviewing live broker and insurer motor data across multiple books, pothole related damage has shifted from sporadic to structural. This is no longer a winter spike. It is frequency.   WHAT WE ARE SEEING IN...]]></description><link>https://www.who2global.co.uk/post/potholes-and-the-customer-the-who2-view</link><guid isPermaLink="false">69a6b1e660298c02e5c1db37</guid><pubDate>Tue, 03 Mar 2026 10:18:29 GMT</pubDate><dc:creator>jadefenton1</dc:creator></item><item><title><![CDATA[UK Motor Insurance Rates - 2026 Outlook]]></title><description><![CDATA[THE WHO2 GLOBAL VIEW At the start of 2026, the UK private motor market has moved out of crisis mode and into a period of fragile stabilisation. After two years of severe premium inflation (2023–2024), 2025 marked the first year of moderation. By early 2026, average premiums have plateaued or softened slightly, loss ratios have improved, claims inflation remains elevated, and competitive pressure is quietly returning. 2026 is shaping up to be a year of selective softening, not a full price...]]></description><link>https://www.who2global.co.uk/post/uk-motorinsurance-rates-2026-outlook</link><guid isPermaLink="false">69a6ae327db715abddf90130</guid><pubDate>Tue, 03 Mar 2026 09:53:51 GMT</pubDate><dc:creator>jadefenton1</dc:creator></item><item><title><![CDATA[What benchmarq360 data is telling us about some UK brokers.]]></title><description><![CDATA[THE WHO2 GLOBAL VIEW. 40 plus modules. Thousands of questions. Board level through to operational detail. And some patterns are starting to repeat. Not opinions. Data. Here’s what keeps coming up...  INSURER RELATIONSHIPS SCORE WELL. ALIGNMENT DOES NOT. Most brokers rate highly for relationship strength. Regular meetings. Access to decision makers. Open dialogue. BUT BUDGETS? Completely misaligned. Ie- Broker wants to grow 15 percent. Insurer is under combined ratio pressure and cutting...]]></description><link>https://www.who2global.co.uk/post/what-benchmarq360-data-is-telling-us-about-some-uk-brokers</link><guid isPermaLink="false">698c9174e46957565bf1ee7b</guid><pubDate>Wed, 11 Feb 2026 14:36:19 GMT</pubDate><dc:creator>jadefenton1</dc:creator></item><item><title><![CDATA[Broker websites aren’t broken. They’re quietly underperforming.]]></title><description><![CDATA[THE WHO2 GLOBAL VIEW. We have been lucky enough to be asked to review a lot of broker websites, ‘the shop window’. Not just a quick skim or a design critique, but proper reviews as part of our Benchmarq360 assessment process. End to end. Homepage to quote. Product pages, add ons, renewals messaging, contact journeys, and everything in between. And one thing is consistent. Very few broker websites are bad. They load quickly. They look professional. The quote journeys usually work. Customers...]]></description><link>https://www.who2global.co.uk/post/broker-websites-aren-t-broken-they-re-quietly-underperforming</link><guid isPermaLink="false">697a0f66b3cf8ba238458da4</guid><pubDate>Wed, 28 Jan 2026 13:40:40 GMT</pubDate><dc:creator>jadefenton1</dc:creator></item><item><title><![CDATA[The Future of Customer Buying Habits, they are closer than you think]]></title><description><![CDATA[THE WHO2 GLOBAL VIEW. Over the next decade, customer buying behaviour will shift away from traditional “shopping” and toward delegation, automation, and embedded decision making. Customers will still care deeply about price and value, but they will expect far less effort, far less administration, and far more support wrapped around the purchase. The biggest change is not what customers buy, but how little friction they will tolerate in order to stay properly covered. This article explores...]]></description><link>https://www.who2global.co.uk/post/the-future-of-customer-buying-habits-they-are-closer-than-you-think</link><guid isPermaLink="false">696e3fdf3e23fce2937bd8c2</guid><pubDate>Mon, 19 Jan 2026 14:36:41 GMT</pubDate><dc:creator>jadefenton1</dc:creator></item><item><title><![CDATA[The Next Five Years Will Separate the Talkers from the Builders]]></title><description><![CDATA[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 helping them turn...]]></description><link>https://www.who2global.co.uk/post/the-next-five-years-will-separate-the-talkers-from-the-builders</link><guid isPermaLink="false">68f770ab81fa67640666aeba</guid><pubDate>Tue, 21 Oct 2025 11:40:37 GMT</pubDate><dc:creator>jadefenton1</dc:creator></item><item><title><![CDATA[Why I’ve Never Lost a Direct Report in 23 Years. I've still never really worked it out. But.......... ]]></title><description><![CDATA[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 once asked the...]]></description><link>https://www.who2global.co.uk/post/why-i-ve-never-lost-a-direct-report-in-23-years-i-ve-still-never-really-worked-it-out-but</link><guid isPermaLink="false">68b898cccbc92a7dd93faf5f</guid><pubDate>Wed, 03 Sep 2025 19:39:00 GMT</pubDate><dc:creator>jadefenton1</dc:creator></item><item><title><![CDATA[CEO-Update WHO2 Global. Personal Lines August 2025]]></title><description><![CDATA[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 ever. Home Home...]]></description><link>https://www.who2global.co.uk/post/ceo-update-who2-global-personal-lines-august-2025</link><guid isPermaLink="false">68b1f796a87801a237173325</guid><pubDate>Fri, 29 Aug 2025 18:57:16 GMT</pubDate><dc:creator>jadefenton1</dc:creator></item><item><title><![CDATA[ESG for Brokers: What It Really Means (and Why You Should Care)]]></title><description><![CDATA[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-friendly covers)? Small...]]></description><link>https://www.who2global.co.uk/post/esg-for-brokers-what-it-really-means-and-why-you-should-care</link><guid isPermaLink="false">68ada187cdd969a2029cbbc8</guid><pubDate>Tue, 26 Aug 2025 12:01:08 GMT</pubDate><dc:creator>jadefenton1</dc:creator></item><item><title><![CDATA[UK Car Insurance Prices - Year to Date and What’s Next for 2025]]></title><description><![CDATA[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. Even with these...]]></description><link>https://www.who2global.co.uk/post/uk-car-insurance-prices-year-to-date-and-what-s-next-for-2025</link><guid isPermaLink="false">68aa0a83b07211a4b5824c90</guid><pubDate>Sat, 23 Aug 2025 18:39:54 GMT</pubDate><dc:creator>jadefenton1</dc:creator></item><item><title><![CDATA[FCA Flags Concerns Over Motor Insurance Referral Fees]]></title><description><![CDATA[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 organisations such...]]></description><link>https://www.who2global.co.uk/post/fca-flags-concerns-over-motor-insurance-referral-fees</link><guid isPermaLink="false">68aa07a71ef02eaf6d153c51</guid><pubDate>Sat, 23 Aug 2025 18:27:34 GMT</pubDate><dc:creator>jadefenton1</dc:creator></item><item><title><![CDATA[UK Car Insurance: Why Aggregator Quote Volumes Are Down - And What It Means For Brokers]]></title><description><![CDATA[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 alongside steep...]]></description><link>https://www.who2global.co.uk/post/uk-car-insurance-why-aggregator-quote-volumes-are-down-and-what-it-means-for-brokers</link><guid isPermaLink="false">68a8bef1c0b7bf2834943756</guid><pubDate>Fri, 22 Aug 2025 19:08:11 GMT</pubDate><dc:creator>jadefenton1</dc:creator></item><item><title><![CDATA[Will It Make the Boat Go Faster? (And Why It Should Be a Board Agenda Item)]]></title><description><![CDATA[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, alignment, and...]]></description><link>https://www.who2global.co.uk/post/will-it-make-the-boat-go-faster-and-why-it-should-be-a-board-agenda-item</link><guid isPermaLink="false">68a8bc3484b6e415381a0c72</guid><pubDate>Fri, 22 Aug 2025 18:59:35 GMT</pubDate><dc:creator>jadefenton1</dc:creator></item><item><title><![CDATA[What If We Measured Claims Teams Like Sales Teams? (Broker Edition)]]></title><description><![CDATA[Sales gets the credit. Leaderboards. Bonuses. Targets. Celebrations when things go right. Claims? Claims often gets the complaints, the costs, and the pressure when things go wrong. But if you’re a broker running a decent-sized personal lines book, claims is half your customer experience. It’s where reputational damage happens or where loyalty gets earned. So why don’t we measure claims like we measure sales? Imagine if we tracked: How quickly FNOL is handled (not just by the insurer, but...]]></description><link>https://www.who2global.co.uk/post/what-if-we-measured-claims-teams-like-sales-teams-broker-edition</link><guid isPermaLink="false">6893b40ce1e463f9a1acf38a</guid><pubDate>Wed, 06 Aug 2025 20:01:15 GMT</pubDate><dc:creator>jadefenton1</dc:creator></item><item><title><![CDATA[What a Personal Lines Broker Should Be Focused On in Today’s UK Market]]></title><description><![CDATA[Let’s be honest, being a personal lines broker in the UK right now isn’t easy. It’s noisy, it’s regulated to the hilt, margins are tight, and customer expectations are rising faster than most systems can keep up. So what actually matters right now? What should brokers really be focusing on if they want to stay competitive, relevant, and commercially sustainable over the next few years? First up - regulation. You can’t talk about broking in 2025 without talking about Consumer Duty, product...]]></description><link>https://www.who2global.co.uk/post/what-a-personal-lines-broker-should-be-focused-on-in-today-s-uk-market</link><guid isPermaLink="false">68910773f741774de1051602</guid><pubDate>Mon, 04 Aug 2025 19:20:30 GMT</pubDate><dc:creator>jadefenton1</dc:creator></item><item><title><![CDATA[Loss Ratio Addiction: Why It’s Not the Only KPI That Matters]]></title><description><![CDATA[Let’s be clear insurance is a business, and like any business, it has to make money. But if the only thing we’re using to measure success is loss ratio, we’re not just missing the bigger picture, we’re often making it worse. Loss ratio has become a kind of religion in some underwriting circles. It’s neat, it’s quantifiable, and it gives you something to aim at. But it also hides a multitude of sins. You can hit your loss ratio targets and still be haemorrhaging value somewhere else through...]]></description><link>https://www.who2global.co.uk/post/loss-ratio-addiction-why-it-s-not-the-only-kpi-that-matters</link><guid isPermaLink="false">6883e3b16ab2534c7b03014d</guid><pubDate>Fri, 25 Jul 2025 20:08:16 GMT</pubDate><dc:creator>jadefenton1</dc:creator></item><item><title><![CDATA[AI in Insurance: Transformation or Tick-Box Tool?]]></title><description><![CDATA[Everyone’s talking about AI and fair enough, it’s changing the way we work. But in insurance, the gap between what’s promised and what’s actually used is still pretty wide. You’ve got some firms doing clever things: predictive claims triage, intelligent underwriting assistants, fraud flagging at quote. And then others who’ve just bought a chatbot and called it transformation. The truth is, AI will transform insurance but only if it’s deployed with a clear purpose. Too many projects are...]]></description><link>https://www.who2global.co.uk/post/ai-in-insurance-transformation-or-tick-box-tool</link><guid isPermaLink="false">687ea953243cf77069f11199</guid><pubDate>Mon, 21 Jul 2025 20:56:39 GMT</pubDate><dc:creator>jadefenton1</dc:creator></item><item><title><![CDATA[Fighting Policy Fraud with Governance, Not Just Tech]]></title><description><![CDATA[We all love a bit of fraud tech, don’t we? AI-driven quote manipulation alerts. SIRA referrals. Smart pricing engines that tweak based on IP address and keystroke behaviour. But here’s the truth: none of it works without proper governance. You can throw as much machine learning at the problem as you want if the humans behind it aren’t joined up, you’ll just end up shifting fraud from one department to another. Most policy fraud isn’t clever. It’s persistent. And it’s usually enabled by gaps:...]]></description><link>https://www.who2global.co.uk/post/fighting-policy-fraud-with-governance-not-just-tech</link><guid isPermaLink="false">687ea8fe8ff0b4dee92c4b16</guid><pubDate>Mon, 21 Jul 2025 20:55:07 GMT</pubDate><dc:creator>jadefenton1</dc:creator></item><item><title><![CDATA[Embedded Insurance: A Race to the Bottom or a Missed Opportunity?]]></title><description><![CDATA[Embedded insurance has been the buzzword of the last few years  and to be fair, the theory makes total sense. Meet the customer where they already are. Make it frictionless. Bundle cover into something they’re already buying. And yes, it can work. But for every slick embedded travel policy or bike insurance offered at checkout, there’s a dozen half-baked ideas where the customer doesn’t understand what they’ve bought, doesn’t value it, and doesn’t claim when they need to. The real risk with...]]></description><link>https://www.who2global.co.uk/post/embedded-insurance-a-race-to-the-bottom-or-a-missed-opportunity</link><guid isPermaLink="false">687ea81b8ff0b4dee92c4936</guid><pubDate>Mon, 21 Jul 2025 20:51:24 GMT</pubDate><dc:creator>jadefenton1</dc:creator></item></channel></rss>