E-trading could kill off manual micro SME by 2013

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While he said that there would always be a need for face to face contact, he claimed: "Some clients don't want that and brokers don't visit everyone, they can't afford to.

"Online options provide a new way to deal in this area efficiently. All micro SME will be transacted online in the next couple of years. Brokers don't want to have to search around for quotes in this area and insurers know this."

Recent research from software provider Acturis supports Mr Rowe's point. Its study of how policies

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