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Wednesday, 10 December 2014

Household Insurance in the UK - Key Trends and Opportunities to 2018

Get ahead of the competition with Timetric’s Household Insurance in the UK - Key Trends and Opportunities to 2018 – the research report covering the market dynamics, competitive landscape and consumer perspectives through insights and forecasts. This report also discusses key products and distribution channels and gives an overview of the leading companies in the category, along with details of strategic initiatives undertaken.

Gross written premiums (GWP) in the household insurance category fell by 1.6% in 2012 and 3% in 2013, to reach over GBP6 billion. The decline was due to falling policy prices provoked by strong competition in the category, combined with benign weather conditions in 2013. For the whole review period, however, the category still posted a positive compound annual growth rate (CAGR) of 1%.

In contrast to other non-life categories, household insurance remained profitable throughout the review period. In 2013, insurers achieved a combined operating ratio of 91%, well below the 100% breakeven threshold but higher than in the category’s best year, 2011. Raising profit margins through pricing in 2011 and a low level of claims incurred in 2011 and 2013 helped the category to stay comfortably profitable.

Future profitability is not guaranteed as insurers fail to keep commission costs and operating expenses in check. Both of these indicators rose constantly during the review period, at CAGRs of less than 6% and over 6% respectively. Additionally, the household category’s strong underwriting faces challenges as distribution shifts in favor of price-comparison websites, enhancing competition and putting pressure on prices.

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With rising expenses and earned premiums possibly limited by reduced pricing margins, insurers’ future profitability is easily threatened by a period of bad weather, as the weather remains the category’s main driver in terms of the value of claims.

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Friday, 5 December 2014

Food Processing Market (Equipment, Machinery)

Increasing demand for green cleaning products coupled with favorable regulatory outlook in developed countries is expected to drive the global microbial biosurfactants market. In a word, it was a depth research report on Global and China Military Infrared (EO/IR) Systemss industry. And thanks to the support and assistance from Food Processing Market chain related technical experts and marketing engineers during Research Team survey and interviews.

The report analyzes, estimates and forecasts the global microbial biosurfactants market in terms of demand. The market has been estimated in terms of volume (tons) and revenue (USD million) from 2014 to 2020 with 2012 as the base year. The report also includes various factors driving and restraining the global market. It includes opportunities that are projected to drive the market in the next few years. 

The report firstly introduced Food Processing Market basic information included Food Processing Machinery definition classification application industry chain structure industry overview; international market analysis, China domestic market analysis, Macroeconomic environment and economic situation analysis and influence, Military Infrared (EO/IR) Systemss industry policy and plan, Food Processing Machinery product specification, manufacturing process, product cost structure etc. 

The research study includes a value chain for microbial biosurfactants in order to provide a comprehensive view of various components of microbial biosurfactants through value chain analysis. In order to provide competitive analysis, the report uses Porter’s Five Forces Analysis to measure the impact of suppliers, buyers, competition, new entrants and substitute products on the microbial biosurfactants market. The report covers market share analysis and profiles of major companies operating in the global microbial biosurfactants market. Companies profiled in the report include Ecover, Saraya, Soliance, MG Intobio, AGAE Technologies and Jeneil Biotech.
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This report segments the global microbial biosurfactants market as follows:

Microbial Biosurfactants Market - Product Segment Analysis

Mannosylerythritol Lipids (MEL)
Others (Including other glycolipids, fatty acids and polymeric surfactants etc.)

Microbial Biosurfactants Market - Application Analysis

Household detergents
Industrial & institutional cleaners
Personal care
Oilfield chemicals
Agricultural chemicals
Food processing
Others (Including Medical, Bioremediation, Pharmaceuticals, etc.)

Microbial Biosurfactants Market - Regional Analysis

North America
Asia Pacific
Rest of the World
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