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Russell,

It is because the return on investments from insurers has lagged over recent years and there have been massive losses on flooding claims etc (personal lines are not separate books as other lines are).

There are some sensible proposals out there (a ban on selling of personal data to fish for clients, ban on cold calling, ban on pre-medical offers an increase in the SCT threshold from £1k to £2k) but the proposals as advanced will neither reduce fraud nor premium costs.

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