Direct insurers mainly transact which of the following types of insurance?

Direct insurers primarily engage in the sale of personal lines of insurance, which typically includes household, motor, and travel insurance. These types of insurance are designed to meet the needs of individual consumers rather than businesses. Household insurance protects property and personal belongings, motor insurance covers vehicles against accidents and theft, while travel insurance provides coverage for unexpected events during travel.

The other options, such as energy, commercial property, and aviation insurance, tend to be sector-specific and often involve complex underwriting processes and higher-value risks. These forms of insurance are more commonly handled by specialty insurers or brokers who focus on commercial lines of insurance. Direct insurers usually do not specialize in these more niche markets, as their main focus is providing accessible products for the general public.