Metamorphosis.

These days, it is hard to talk about direct writers without
mentioning terms like "falling profits" and "market saturation".
Nevertheless, despite the declining fortunes of the directs, they are all
still hanging on in there. All except one that is, which has recently
thrown the towel in.


Or, to be more precise, has moved over to the other side of the ring.


In September of this year, Budget Insurance completed its surprise
metamorphosis from direct writer to intermediary, its chief executive
Peter

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