Business as usual for Esure

The potential takeover of Halifax Bank of Scotland (HBOS) by Lloyds TSB could create the ninth largest insurance group in the UK.

It is still uncertain whether the latter will keep HBOS' stake in its joint venture - Esure - or sell it.

However, Peter Wood, Esure founder and chairman, said the merger would have little or no effect on Esure.

He said: "Esure is an independent joint venture. We are a rapidly growing, separately authorised, capitalised and well-reserved top 10 motor insurer with

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