Here come the retailers: is it high-street robbery?

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How big a threat are the new breed of supermarket insurance divisions to brokers?

TA: I think one of the first issues that we should discuss is whether supermarkets are actually helping to accelerate rapid movement towards the commoditisation of our products. That to me is one of the really disappointing things about supermarkets distributing personal-lines products.

CC: It's about ease and simplicity of purchase. Maybe some of the mysteries that we have created around insurance in general has