Regional review: Scotland

Ms Dillett says: "Business is really hard at the moment, it's a constant challenge." She explains that the dangerous practice of 'desk top reviews' has increased lately. This involves brokers quoting for new business 'blind' where they don't request a reporting mandate so as not to alert the holding broker that their business is being attacked, and provide a quote without looking at the claims experience of the client.

"We are definitely seeing more of this as new business is hard to find and ev

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