Public enemy?

The industry's image now presents one of the biggest threats to its future, according to one of the leading figures in the market. Jon Guy traces the recent history of the decline in insurance's reputation, from the collapse of Independent to the recent premium rises, and calls on industry and Government alike to take a look in the mirror

Nearly everyone in the insurance market must surely by now be aware that the industry is rapidly becoming a pariah in the eyes of the British public.

2003 has already seen the front page of a leading tabloid splashing the story of a women who was "left with a £315,000 hospital bill after insurers refused to pay" with regard to a travel policy sold by a leading bank, and the following edition drummed up another two tales of woe over claims turned down by the same firm.

The high-profile scandals of

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