Groupama is to drive growth in the home market next year through the use of electronic data interchange (EDI) technology.

The insurer aims to grow its £45m household book by 5% to 10% over the next 12 months through improving its distribution strategy.

Groupama director of SME and non-motor Phil Bird said: "We are taking what is an already profitable product and making it more efficient for ourselves and our business partners."

However Bird warned that next year home rates could start to decrease through competition from direct writers and improvements in underwriting criteria.

He said: "We have started to see some rate reductions already and think it is quite likely we will see rates softening next year. Additionally we have not had any major weather events to deal with."

'NIG is also looking to expand its EDI offering as part of its aim to become "the UK's leading EDI personal lines insurer". The insurer is to launch home EDI with software houses CDL and SSP, and commercial vehicle with Misys early next year.