Another tough year.

Many brokers will have given a sigh of relief last month, as the
Christmas festivities marked the end of yet another frenetic year in the
UK insurance market. Mergers, acquisitions, soft markets, and the
regulators all conspired to try the patience of brokers.

In January, Professional Broking revealed that only 4% of insurers had
managed to complete the first annual intermediary compliance form to the
total satisfaction of the Association of British Insurers. The form, known
as the "chief executive

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