The spring, the women should drink tea better
In the spring should drink tea
Spring, like the human body and nature, is in express condition. In this case, the person wishing to tea, he should drink jasmine, Zhu Lan, Magnolia, Rose tea and so on. Tea with the aroma of thick, fragrant but not floating, but not muddy cool features. TCM believes that the spring Changyin tea can help disseminate the winter Jiyu Hanxie in the human body. At the same time, full-bodied tea, but also can promote the occurrence of human yang, it is in high spirits, and thus more effective in eliminating Chun Kun, improve the efficiency of tea lovers network aichaw.com.

What is hot tea on the blood of people better
1, Chinese medicine believes that spring to drink tea is good, because the tea can be accumulated in the body circulate in winter the Han Xie, rich tea, but also the promotion of human germinal yang. Recovery in the spring of all things, people are easy to drowsy at this time if the full-bodied brew a cup of fragrant, refreshing fragrance of the tea, not only revive and refresh, clear the drowsiness, it helps distribute body Hanxie to promote the growth of the human body yang. Prostatitis, or prostatic hypertrophy, especially those who, liver persons, young girls before and after menstruation and menopause, women should drink tea and so on.
Tea is endemic to China tea, there is praise poetry: “fragrant tune charm, Qingming long spirit.” Drinking tea is not only a fun, but also health illnesses, such as the common chrysanthemum tea can inhibit a variety of bacteria, enhance capillary flexibility, slowed heart rate, lower blood pressure and cholesterol. At the same time, can be wind-dispersing heat, Pinggan eyesight, Liyan pain swelling. Another example is jasmine tea, there are heat Jieshu, spleen soothe the nerves, Kuanxiong gas, dampness, cure dysentery, and stomach pain only the good effect; Osmanthus tea has detoxifying, aromatic avoid offensive, in addition to bad breath, refreshing, thirst-quenching, anti-inflammatory Qu sputum, cure toothache, moisturizing the skin, promote blood circulation effect; honeysuckle tea can Qingrejiedu and Cooling Zhi Li, diuretic Liver, cancer; As Zhu Lan tea, you have a treat rheumatism pain, mental fatigue, epilepsy, etc. effect on bruises, wounds bleeding there is a certain effect.

2, Chinese medicine, people’s constitution have hot flashes, and Deficiency of difference, while the tea through a different manufacturing process is also cool and warm nature of the points, so tea is also different physical stress. Dry and hot physique, should, cool drink of tea, physical treatment, shall drink warm tea.

Common tea can be divided into green tea, green tea (including Oolong tea, Tie Guan Yin, Da Hong Pao), black tea, black tea (tea), etc. for several major categories. This is essentially based on the extent of tea fermentation from low to high based. In general, green tea and green tea due to fermentation of the Tie Guan Yin lower level of tea are cool; of Oolong tea, Da Hong Pao tea and neutral, while the black tea, Pu’er tea are warm.

Experts suggest that there are smoking and drinking habits, easy to get angry, hot, and shape than the fat person (ie dry and hot physical persons) cool drink of tea; gastrointestinal Deficiency, usually eat bitter melon, watermelon on the people who feel uncomfortable abdominal distension or health than weak (ie Deficiency physical persons), should be neutral to drink tea or warm tea, black tea and tea drinking for the elderly. However, special attention is Kudingcha Overly cold, heat detoxification, soften blood vessels, cholesterol-lowering function better than other tea, the most suitable for those who drink physical dry and hot, but the physique of people sweating in this tea is not suitable for drinking .

However, the modern city of the constitution is not to be dry and hot, Deficiency simple division, and some people from watching the performance of a mixture of two kinds of physical fitness: body image than the fat easier to get angry, but eat something cold to diarrhea; Others human body shape slim stomach obviously weak, but very hot. This is mainly a modern city people, there are smoking, drinking, staying up late and other bad habits, leading to the diversification of physical fitness, but each person’s constitution will show the main symptom, tea should be used as the basis for the main symptoms.

Sub-health patients in Du Shibing should drink Dahongpao, black tea and Pu’er and other neutral, warm tea, up to add a little milk in tea, milk tea made with better results. If the blood sugar itself is not high, but also to consider the tea sugar. Absorption may be some people poor, He Naicha may be diarrhea, drink it cooked tea (fermented higher degree), because the cooked fermented Pu’er will have a lot of trace elements can promote the appetite and absorption.
Special effects tea
1, roselle: Paiduyangyan, appetizers spleen, soften blood vessel
2: Snow Tea: elimination of body waste, eliminate toxins (hypertension, high cholesterol, obesity preferred Jiapin)
3: Hong-Xue Tea: lowering blood pressure, blood lipids
4: snow flower: moisture Zhuang Kidney
5: Sterculia lychnophora: sore throat, tonsillitis, rhinitis has its own unique effect
6, wild bitter D: taste sweet, heat detoxification, liver and gallbladder eyesight and blood cholesterol, blood pressure, is the elderly and men’s favorite tea

Fragrance quench their thirst, Jieshu (anti-inflammatory detoxification), cool and lungs, throat tea Run
A jade butterfly: Qingfei Geli throat
2, nasturtium: anti-inflammatory cough, regulating stomach to help digest
3, Lily: Quhuo soothe the nerves, cool Runfei
One of the three with the results better
4, Magnolia: beauty whitening, improve sleep
5, wild chrysanthemum: Summer elimination heat, Qingxin eyesight
With the two kinds of results better
6, Ginseng Flower: fragrance quench their thirst, cool Reduce Pathogenic Fire, blood and qi, and healthy brain refreshing
7, cutter stock Lan: Yes, nourishing sedative, protect the liver (which is the elderly and men’s favorite tea)
8, Trimeresurus: Relieves summer heat and thirst-quenching, detoxification diuretic (Summer preferred)
9, honeysuckle: Qinghuo throat, Qingrejiedu (sore throat, tonsillitis)
10, Calendula officinalis: Liver eyesight, beauty beauty, detoxification anti-inflammatory (dizziness, Wei Han pain, etc.)
11, Jun shiragiku: heat detoxification, nourish the liver and improving eyesight (Jieshu, anti-fatigue, soften blood vessels)
12, Jin Huang: heat Jieshu, swelling eyesight (effective emission of toxins, elimination of body waste)
13, Jasmine: Soothing the Liver and stomach, qi Jieyu (irregular menstruation, diarrhea, swollen poison, etc.)
Lemon – effectively break down fats, tea or lemon vinegar helpful for weight loss
Tea (Scented tea) also known as smoked tea, incense scented tea, scented tea. A tea for our unique category. Tea from the refined blanks and mixing with the scent of the flowers through a set of processing methods to promote adsorption of flowers fragrant aroma of tea made.

Origin: Originated in Fujian, Jiangsu, Zhejiang, Guangxi, Sichuan, Anhui, Hunan, Jiangxi, Hubei, Yunnan and other places. As early as 1000 years ago, there are upper green tea by adding a fragrance – the system of Dipterocarpus law. Jasmine tea has been the 13th century tea cellar records, the Ming Dynasty (1592) Rong-book “Tea spectrum,” a book on the tea’s system of law is a more detailed description: “sweet-scented osmanthus, jasmine, rose, roses, Cymbidium, Lian orange, gardenia, plum Jieke to make tea, various flowers open, pick their semi-containing semi-put, the whole core of the fragrance persons, the amount of how much of their tea, Presented as a mix. 3 stops tea, one-stop flower, with the magnetic cans, a layer of tea, a layer of flowers, and white to full, rolling paper Ruo solid wok, re-boil the soup, remove the Daileng, seal wrapped in paper, set the fire for drying close with. “Qing Tao-kuang, Wu Gulu’s “Ka-ching record” contains: “Zhu Lan, Jasmine Yu Xun Feng For fu, has completed the collection in the ponds and flower Stanford, tea, tea shop to buy that with users. … … jasmine then remove stalks balance value, number claws for fighting, “the first year of the Qing Emperor Yongzheng (1723), Suzhou, jasmine tea, bulk distribution northeast, north, northwest of the market. Relatively large number of tea production began in 1851 to 1861 years of the Qing Emperor Xianfeng. After 1949, China’s tea production has undergone substantial development, production and sales increased year by year, the main selling the Northeast, North China, Shandong and other places, export countries in Southeast Asia, marketing, Hong Kong and Macao.

Introduction

The report examines key distribution trends taking place in the motorcycle insurance market and offers insight into the advertising strategies of the top motorcycle insurance distributors. It also analyses which underwriters are leading the way in this market and forecasts what the future holds for the sector over the next four years.

Scope

*Analysis of market size and the drivers behind recent developments.

*Insight into the main competitive developments taking place in the UK motorcycle insurance market.

*GWP forecasts to 2014, based on  in-house expertise and proprietary model.

Highlights

In 2008, total advertising spend on motorcycle insurance fell by a significant 60.0% to £323,985 from £810,683 in 2007. It is likely that the recession was a significant driver behind many firms’ decisions to reduce their spending on marketing that year in a bid to decrease expenses.

Industry executives stated that the popularity of aggregators had peaked in 2009, with the recession driving many consumers onto price comparison sites in a bid to generate cost savings. One industry executive interviewed by claimed that as much as 40% of new business sales were being delivered through aggregators in 2009.

Under  base case scenario it is assumed that the tough market conditions in 2009 led to a decline of 3.2% in policies-in-force due to a reduction in penetration rates. However, 2010 will see a return to growth in policy numbers as recreational motorcyclists return to the market.

Reasons to Purchase

*Benchmark your performance against that of your competitors.

*Plan your future motorcycle insurance strategy using Datamonitor’s market size forecasts.

*Keep abreast with the latest competitor developments taking place in the market.

Table of Contents :

“Overview 1
Catalyst 1
Summary 1
EXECUTIVE SUMMARY 2
Aggregators are causing a stir in the motorcycle insurance market 2
The top three aggregators are pushing motorcycle insurance sales on their sites 2
Aggregators are diminishing traditional motorcycle broker brands 2
Groupama is growing its share rapidly in a market estimated to be worth £176m in 2009 2
The market remains attractive though pillion passenger claims represent a risk to profitability 2
Groupama has been making a big play in the market 3
The return of the ‘recreational biker’ is central to the market achieving growth 3
Table of Contents 4
Table of figures 5
Table of tables 6
MARKET CONTEXT 7
Introduction 7
The motorcycle insurance market has attractive profit margins 7
GWP contracted in 2009 as a result of the recession and strong competitive pressures in the market 7
Aggregators are bringing dynamic changes to the market 7
There are good margins to be had in the motorcycle insurance business 8
The total motorcycle parc has continued to increase, though new registrations have declined significantly 9
The number of registered motorcycles has been steadily increasing in Great Britain 9
New motorcycle registrations fell by 9.0% in Great Britain in 2009 10
Powerbikes continue to dominate the UK motorcycle parc, which is continuing to age 12
More than half of motorcycles in Great Britain were first registered more than six years ago 12
The number of motorcycles with engine sizes above 1,000cc have increased significantly in Great Britain 14
Powerbikes comprise half of the top 10 models of motorcycles sold in the UK 16
Improvements in road safety are positively impacting claims costs for insurers 17
Greater awareness of road safety issues has resulted in a decline in the number of motorcycle casualties 17
The risk of death or serious injury remains considerably higher for motorcyclists than other road users 19
Claims frequency fell in the UK motorcycle market in 2008 21
Claims costs relating to theft have been reduced significantly in 2008 22
COMPETITIVE DYNAMICS 25
Introduction 25
Carole Nash has launched a policy covering cars and motorcycles 25
Carole Nash introduced a new product that covers cars as well as motorcycles, and took over the Harley Davidson Insurance Scheme 25
Saga launched a motorcycle insurance product for the over-50s 25
Brokers continue to dominate the distribution of motorcycle insurance, although aggregators are emerging as a powerful force 26
Carole Nash, Bennetts and Devitt are the largest distributors of motorcycle insurance in the UK 26
Most aggregators offer comparison services for motorcycle insurance 27
Groupama has made a big play in the market in recent years 27
Five of the top 10 witnessed their premium income contract in the motorcycle insurance market 27
Market leader Equity Red Star continued to witness a contraction in its motorcycle GWP 27
AXA’s premium income declined by 11.7% to £13.6m 27
HSBC and QBE witnessed substantial falls in their premium income 27
RSA experienced a 1.3% fall in its premium income 28
Three of the top 10 witnessed growth in their motorcycle books of business in 2008 28
Aviva and Groupama experienced double-digit growth in 2008 28
RBS experienced modest growth in its motorcycle business during 2008 28
Advertising spending on motorcycle insurance has fallen considerably since 2006 31
Competitors spent less of their advertising budgets on direct mail in 2008 31
Bennetts significantly reduced its marketing spend on motorcycle insurance in H1 2009 32
Devitt was the only motorcycle insurance advertiser to spend a proportion of its budget on direct mail advertising 34
FUTURE DECODED 37
Introduction 37
Base case: moderate increases in price will lead to the market reaching £204.2m in GWP by 2014 37
Underlying increases in the motorcycle parc and increases to price will result in moderate growth in GWP 37
GWP is forecast to grow at a CAGR of 2.9% between 2010 and 2014 39
Best case: strong price increases will drive GWP growth in the market 40
Underwriters will achieve strong rate rises as competitive pressures ease in the market 40
Strong rate increases will drive GWP upwards to £251.7m by 2014 42
Worst case: GWP growth remains subdued after experiencing a significant fall in 2009 43
Policies-in-force are expected to increase by an average annual rate of 3% between 2010 and 2014 43
Motorcycle GWP is forecast to recover slowly under the worst case scenario 45
APPENDIX 47
Definitions 47
Premium income measures 47
Earned premiums 47
Gross Premium 47
Net Premium 47
Written premiums 47
Other definitions 47
Channel 47
Direct insurer/writer 47
Brokers 47
Bancassurers 47
Brandassurers 48
Platform 48
Further reading 48
Ask the analyst 48
consulting 48
Disclaimer 48
List of Tables
Table 1: UK motorcycle GWP, 2005-09 (£000) 8
Table 2: Motorcycle and total vehicle parc in Great Britain, 2002-09 (000s) 10
Table 3: Total number of new motorcycle registrations in Great Britain, 2002-09 (000s) 12
Table 4: Motorcycle parc by age of first registration, 1999-2008 (000s) 14
Table 5: Motorcycle parc in Great Britain by engine size, 1999-2008 (000s) 16
Table 6: Top 10 motorcycle models in the UK, 2008 17
Table 7: Road traffic casualties in Great Britain, 2001-08 19
Table 8: Reported road casualties in Great Britain: relative risk of different forms of transport, 2008 (Rate per billion km) 21
Table 9: Volume and frequency of motorcycle claims in the UK, 2004-08 22
Table 10: Motorcycle theft claims statistics, 2004-08 24
Table 11: Vehicle related theft offences, 1981-2008/09 (000s) 24
Table 12: The top 10 UK motorcycle insurers by market share, 2005-08 30
Table 13: The top 10 UK motorcycle insurers by GWP, 2005-08 (£000s) 31
Table 14: UK motorcycle advertising spend by media, 2006-08 (£) 32
Table 15: Advertising spend by competitor, 2006 to H1 2009, (£) 34
Table 16: Motorcycle insurance advertising spend by competitor and media, H1 2009 36
Table 17: Base case: key variables affecting motorcycle insurance GWP, 2010-14 39
Table 18: Base case: forecast of UK motorcycle GWP, 2010-14f 40
Table 19: Best case: key variables affecting motorcycle insurance GWP, 2010-14 42
Table 20: Best case: forecast of UK motorcycle GWP, 2010-14f (£000) 43
Table 21: Worst case: key variables affecting motorcycle insurance GWP, 2010-14 45
Table 22: Worst case: forecast of UK motorcycle GWP, 2010-14f (£000) 46
List of Figures
Figure 1: GWP contracted in the market in 2009 as a result of strong competitive pressures and fewer motorcycle sales 8
Figure 2: There are clear margin benefits from playing in the niche motorcycle market 9
Figure 3: The number of registered motorcycles in Great Britain reached 1.4 million in 2009 10
Figure 4: New registrations of motorcycles fell significantly in Great Britain in 2009 11
Figure 5: Most motorcycles in the British motorcycle parc were first registered between six and 13 years ago 13
Figure 6: Powerful motorbikes are increasing as a proportion of the total motorcycle parc in Great Britain 15
Figure 7: The number of motorcycle casualties have declined significantly since 2001 18
Figure 8: Motorcyclists are more likely to be involved in serious accidents compared to other types of road users 20
Figure 9: The total number of motorcycle claims notified to insurers fell in 2008 22
Figure 10: Motorcycle theft claims costs continued to fall in 2008 23
Figure 11: Saga launched a motorcycle insurance policy for the over-50s 26
Figure 12: Equity Red Star held a significant share in the UK motorcycle insurance market 29
Figure 13: Competitors have been spending significantly less on advertisin

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