According to a recent KPMG survey, the insurance industry has shifted its concerns about regulatory and compliance burdens to the continuing low interest rates. But now we are asking you, the Insurance Business reader, what you see as a concern for 2015.

Will it be low interest rates? Or do regulatory and compliance need to remain on the radar?

You tell us by taking our poll: ‘What will be the industry concerns for 2015?’

The previous poll, ‘Should insurers offer optional testing to drivers for a chance to lower their premium?’ had readers evenly split on the question, with roughly 80 per cent of respondents giving equal weight to ‘Yes it would make for safer drivers;’ ‘Telematics is already doing that;’ and ‘The bad drivers won’t do it anyway.’

The fourth option, ‘No the premium point is too tight’ received only a single vote.