With the pace of technological change faster than it's ever been, it's never been more vital to keep up to speed with the way technology is changing the face of business. This doesn't mean knee-jerk reactions to every new trend, but it does mean that keeping a watching brief on consumer use of technology will help those who are best prepared to steal a march on their competitors.

This is why CDL's continuous investment in research and development, its commitment to blue-sky thinking and its readiness to adapt and adopt has seen it spearhead the development of many of the technologies that have transformed insurance retail. Think aggregator hub, real time pricing, telematics, self-service, connected home. And while we can't give away what's coming next, you can be sure we'll be there.