The agency won the business after a three-way pitch that included the incumbent OnlyU, the DM agency arm of The Union, which handles above-the-line for IF. OnlyU had held the account since IF's launch in 1999.
Navigator will work on all of IF's DM and customer relationship management activity, comprising direct mail, responsive press and online marketing campaigns.
The DM review follows a pitch two months ago for IF's media planning and buying account, worth an estimated £20m.
Booth Lockett Makin picked up the task after a contest against Media Planning Group and CIA Scotland, the incumbent.
The Union's hold on the above-the-line business is unaffected by the review. Its creative work has focused on building an atmosphere of serenity to emphasise the ease of banking with the brand.
IF's launch in 1999 was beset with technological problems, forcing its start date to be put back several times. HBOS has admitted that IF is unlikely to break even until at least the second half of 2003.
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