Brokers' final thoughts on Independent's downfall

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David Ottewill, managing director, Camberford Law, admitted that the failure of Independent had been a shock to him.

"We never quite believed the Independent story and so if we had one or two policies with them - that would have been the maximum. When Independent started surveying every risk I thought fair enough and could see the sense behind it. But more and more I could see that in actual fact nothing very different was happening from the rest of the market.

"There were well trained staff

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