Insurer panel response.
Pre-recorded questions were put to a panel of insurers, here are some of their replies.
Justifying underwriting lossesPatrick O'Sullivan, chief executive of UK general insurance, Zurich
Financial Services: "We have relied on investment earnings so we have only
got ourselves to blame. It's the way we've conducted our business. It
can't go on."
Justifying skill shortages
Andrew Torrence, general manager of Allianz Cornhill said: "We've gone in
the opposite direction. We've delegated full company authority to all our
offices. We went to a lot of trouble recruiting the right people. This
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