Regulation issues fill small firms with nameless dread

I wonder if 'Name and Address Withheld', who wrote in to the Letters page in November's Insurance Age, has ever sat in his office, all alone on a Saturday morning, doing a quote for Third Party Fire & Theft on a '92 Ford Fiesta for a character in a string vest waiting at the counter smoking an Old Holborn? If he has, I bet it was a long time ago.

The letter might have been penned by somebody at the Canary Wharf Ministry of Propaganda, such was its lack of any understanding for the concerns of the

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