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EN
Together with the development of the Internet in the first decade of the 21st century, a growing number of retail trade companies conduct selling and distribution of their products with the help of on-line channels, which is now described as multi-channel retailing. Retail trade companies conducting multi-channel retailing make use of multichannel marketing, and also multi-channel communication with the use of the Internet. Multi-channel communication enables the application of the communications principles of relationship marketing. New instruments of communication in the Internet give trade companies new chances to succeed and have a dialogue with customers. Thanks to marketing communication the individualisation of the process of communication is possible.
EN
The purpose of the paper is to analyse the chosen aspects of direct and indirect insurance sales in Poland with the goal to indicate the importance of non-traditional insurance distribution channels over a given period of time. The changes of the importance of non-traditional insurance distribution channels is interpreted with regard to the changes of the share of gross premium written within a given direct or indirect distribution channel in the total direct or indirect gross premiums written, respectively. The analysis of data confirmed that the importance of some non-traditional insurance distribution channels is growing, whereas the importance of others is declining. Additionally, the data showed that the importance of a given non-traditional channel is related to insurance branch (life or non-life).
XX
Omówiono zmiany w strukturze handlu detalicznego krajów Europy Zachodniej, Europy Środkowo-Wschodniej i Polski. Zmiany te doprowadziły do reorganizacji sieci dystrybucji firm rynku dóbr szybkozbywalnych. Zagadnienie to przybliżono na przykładzie dystrybucji lodów.
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