Planning for an uncertain future

The Association of British Insurers (ABI) has just produced the premium income for its members for 2004. This showed that overall there was little change from 2003. The salient points were: liability - up 3% to £4bn; commercial motor and fleet - up 1% at £3bn; commercial property - static at £5.3bn; private car - static at £8.5bn; household - up 1% at £5.8bn.

There are a few factors underlying these figures. The economy grew by 2% and inflation was at a similar figure and there would have been a

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