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Investor Presentaiton

24 24 Norwich Union FACTS £6.1bn net written premium in 2005 64.9% of business is personal lines Combined ratio of 92% in H1, 2006 Owns RAC brand with c. 2.2m motor breakdown customers Distributes direct, through corporate partners (Abbey, ASDA, Saga, Lloyds TSB) and brokers Biggest advertising spend in general insurance c. £35m in 2005 Norwich Union Direct has a marketing platform of Quote Me Happy Leading innovation through Pay As You Drive Insurance NORWICH UNION an AVIVA company Estimated share of personal distribution Direct: 25% IAG Insurance Australia Group 100% 90% 80% 70% 60% Intermediaries: 29% 50% 40% 30% 20% Corporate Partners: 45% 10% 0% 2001 2005 Split of advertising spend 2005 Home emergency, 4.4% Ins range, 3.1% Pet, 0.8% Travel, 5.3% Health, 7.3% Motor, 52.4% Home, 26.7% Source: Datamonitor 2006

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