To talk about a Scottish insurance market is, in strict terms, something of an oxymoron. There are of course brokers dotted across the country from the industrialised central belt to the Highlands and Islands but as far as insurer presence goes, the usual barometer for a healthy insurance market, it's not really a national market. There is only one city in the country that has anything that could be described as an insurance market - Glasgow.
But it hasn't always been so. There was a time when
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