On 15 December 2015, EIOPA published its Fourth Consumer Trends Report.  Continuing issues identified include a lack of clear, understandable information being provided to consumers; and claims management issues within the motor insurance sector.  Potential issues arising from issues such as the continuing trend of cross-selling are also highlighted. Emerging trends noted include Big Data, resulting in more customised products and innovative pricing (but also a tendency towards increasing complexity for consumers).