The more things change

Regardless of what the reality might be, people tend to look back on the past with rose-tinted glasses - and those in the insurance industry are no different.

According to some, the world of insurance was a very different place 10 years ago, and was a better environment for it. There was no Financial Services Authority (FSA) breathing down people's necks, and no newfangled technology to confuse matters. There was also a plethora of insurers serving the market, and a broking sector that was

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