The answer says that if more motor policies are sold via the internet instead of through brokers, then the proportion of fully comp policies may increase. Why is this?
This is a guess but could it be that those buying online will usually be given a special 'online' discount (e.g.15% or whatever) and can therefore afford a more expensive (i.e. fully comp) policy....
Comp business and the web Also, many insurers will only write comprehensive business online so as the mix of business moves more towards the web channel, the non-comp proportion of the book reduces. Even if the insurer does offer different levels of cover, comp is usually the default level of cover on the online proposal form.
