A year to remember

Last year will be remembered for what did not happen in the industry. RBSI was not sold; there were no insurer mergers; the hard commercial market did not come; there was no change to the FSCS; weather was benign, and there were few acquisitions in the independent broker sector.

Notable points were referral fees, the rising cost of fraud and costs on personal injury claims, the emergence of AJ Gallaher as a major player, hardening of the private car market, the slow exit of Peter Cullum and Andy