Are enough brokers left to offer a healthy choice?

Has consolidation in the broking market led to a sma-ller number of independent brokers being able to offer a lower level of choice to their customers?

David: I don't think it has. There are still a lot of brokers in the market place, and customers can tell a broker where to go to if they are not happy. No doubt the brokers themselves have a choice of what insurance companies they're going to deal with. Consolidation has been part of a long-run trend, because of the need to improve costs, the