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How ironic that if Insurers only spent a 100th of the time "up-front" or "before" taking a policy holder on, to check them, vet them, screen them, score them, analyse them, as they do "after the event" they may not end up with a book of potentially claim happy customers. But, hold on, when those premiums are rolling in fast and furious from those comparison sites 24-7, the likes of LV etc don't seem to worry - what was it 5 million new customers, wow.....and they all paid within 30 seconds......interesting.