Brokers' final thoughts on Independent's downfall

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