End of the honeymoon

Since muscling their way onto the broker scene towards the end of the 1990s, consolidators have become a permanent fixture of the insurance industry. They may not be to everybody's taste, but they have certainly shaken the market up. However the question remains as to whether this change has been to the benefit or detriment of all concerned.

It has always been easy to criticise consolidators and brand them simply as new kids swaggering onto the block with chequebooks at the ready and a disdainfu