Mike Williams.

In the light of recent events involving attempts by wholesale brokers
and some insurers to approach the clients of retail brokers directly, BIBA
has been pressing for terms of business agreements to be signed by all
parties in all cases.


The concern is that the longstanding principle of 'utmost good faith' is
in danger of being ignored by those pursuing their own commercial
interests.


Often there is no terms of business agreement or other written contract
between the parties. A code of conduct would

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