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    "Progress in the third quarter means we remain on track to deliver our 2014 financial targets, despite a backdrop of markets that remain highly competitive.

    "Looking forward, we remain focused on improving our efficiency and the competitiveness of our offering in this ever-changing marketplace."

    Paul Geddes CEO of Direct Line Group

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    Our approach

    Our business model allows customers to buy the products they want through the channels that suit them best.

    Our brands

    Our brands

    We aim for each of our brands to offer a specific proposition to a distinct customer segment.

    Our products

    Our products

    We tailor our products to target specific market segments. We have multiple brands, products and distribution channels that enable customers to choose the right level of cover to protect their cars, homes, holidays, businesses and pets.

    Our channels

    Our channels

    We use a multi-brand, multi-product and multi-distribution channel business model, aiming for each of our brands to offer a specific proposition to a distinct customer segment.

    Our strategy

    We continue to transform our business to move towards our ambition to be Britain’s best retail general insurer. Our strategy is based on five key priorities.

    Distribution

    Improve distribution efficiency and effectiveness.

    Pricing

    Leverage data and the investments we have made to provide leading technical and market pricing.

    Claims

    Improve customers’experience by rolling out further claims initiatives.

    Costs

    Improve efficiency and reduce costs.

    Commercial & international

    Drive further efficiencies and leverage our skills across the Group.

    Our brands

    We own several of the country's best-known brands, each with its own clearly defined identity and proposition.

    • Churchill
    • Privilege
    • Greenflag
    • NIG
    • direct line for business

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