Personal

David Worsfold.

Will you get value for money from the IBRC next year? It will be hard to tell, as much of the details of its new administration outsourcing contract are shrouded in secrecy.

Sale time.

Term assurance is being sold at rock-bottom prices - Swiss Re has calculated that average premium rates for the top ten life offices have fallen by up to 25% over the last four years. Ian Lindisfarne seeks out the best bargains.

Rough and tumble.

Personal accident insurance is being sold through more and more non-broker outlets, although with many of these schemes, certain occupations and sporting activities are excluded. It is now time for brokers to fight back says Simon Threadgold.

A classic niche.

Back in the '80s, an E-type Jaguar could cost you as much as £100,000. These days, classic cars are surprisingly affordable and there are many players offering specialist insurance. Tim Collison reports.

Metamorphosis.

Budget Insurance started life as a direct writer. It is now an intermediary. Peter Winslow talked Tim Collison through its unprecedented transition.

New head for Polaris.

Steve Broughton, UK managing director, personal financial services at Royal SunAlliance, has been ap...

Ready for a top-up?

Since their introduction in 1988, more than a million pension scheme members have invested some £4.5bn in free-standing additional voluntary contributions (FSAVCs). Keith Sankey looks at the arguments for and against this flexible scheme.

Don't forget the workers.

Corporate clients have a wide variety of insurance needs, but often the pension requirements of the non-senior workers are overlooked. Keith Sankey says organising a group personal pension is easier than many brokers realise.

If you can't take the fleet ...

... stay out of the market. Five years ago, fleet insurance boasted high rates. But, says Shona Cronin, the combination of market newcomers and existing insurers trying to increase market share, has forced rates down to an all-time low.

Appointment at CGU.

CGU has appointed Cathryn Riley and Trevor Smith to director of broker operations. Ms Riley will be ...

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