Znaczenie nietradycyjnych kanałów dystrybucji ubezpieczeń w Polsce w latach 2007-2012

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).