Axa axioms

Axa Insurance's chief executive, Peter Hubbard, has been at the company for over a year and in that time he has seen it undergo massive change. The hardening market and the advent of statutory regulation is going to alter the face of the UK's insurance marketplace even further, but Mr Hubbard believes that still more change is needed if insurers and brokers are to emerge from 2003 as winners.

Having arrived from Lloyds TSB, Mr Hubbard has been able to bring his expertise in driving a major

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