A thirst for success

After its formation Oxygen, as a company, identified a raft of changes that are currently manifesting themselves across the market and saw a clear opportunity for a focused new firm to capitalise on this changing landscape.

A major area of this change was the appointment of the Financial Services Authority (FSA) as the central regulatory body for the London insurance market. Prior to the FSA's involvement, business was often conducted on an informal, 'gentleman's agreement' basis, whereby firms

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