Specialisation · V
Distribution partnerships.
Affinity, embedded, OEM white-label, and retailer schemes. Capacity deployed through non-direct channels.
Diagnosis.
Capacity without distribution is stranded. Distribution without capacity is a broker. The specialty houses that last are the ones that write both - and the European market has, for a decade, been unusually tolerant of the split.
Distribution is not a product category. It is a channel architecture through which the rest of the portfolio reaches customers. This page describes how, not what.
What we write.
Four groups · four products · thirteen variants
Group 01 - Embedded insurance
Group 02 - OEM white-label
Group 03 - Affinity programmes
Group 04 - Retailer & distributor schemes
Paper and pipe, from one house.
What we do not write.
Affiliate-marketing leads. A partner who pays for traffic and expects a capacity partner to pay for the lead is not a distribution partner; they are a lead-generation vendor. Different contract, different economics, different book.
Comparison-site placement. The house does not write product that aggregates on a price-comparison site. The rating basis does not fit the channel; the customer-acquisition cost wrecks the loss ratio.
Paid-performance distribution. We do not build programmes priced against a partner's cost-per-acquisition target. The loss ratio is the price, not the margin left after marketing.
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Partnership
Any non-direct distribution partner: affinity, embedded, OEM, retailer.
[email protected] -
Capacity
For a capacity conversation on distribution-led programmes.
[email protected] -
Claims
Existing operational matters.
[email protected]