The final destination

The Treasury's decision last month to give the Financial Services Authority (FSA) responsibility for regulating the provision of travel insurance sold alongside a holiday has generated a mixed response from the industry. Although the decision will be enforced in January 2009, the situation has not yet progressed far beyond a running battle between travel agents and the insurance industry.

Currently, the FSA only takes responsibility for travel insurance sold on a stand-alone basis. However, in

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