Transforming claims "by deploying faster and more flexible systems to increase the pace at which we transform the business and to enable us to capture the near- and long-term opportunities available to the group."

Penny Janes Chief Executive Direct Line Group

DLG was an early pioneer in the disruptive innovation stakes. Might be a good idea to look into this at

"Do insurers "get" disruptive innovation?"

UK insurers have been hit by the impact of the Ogden Rate. For DLG "Profits in its motor business were hampered due to a £15.9m hit on the Ogden rate change to -0.25%.

Deploying digital claims platforms that collapse costs whilst, in parallel, delighting customers helps offset Ogden and can soon outsrip the loss.