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Frank,

Is anyone really going to buy £0.5m cover for c.98% of the cost of £2m? (and yes the reduction will be that marginal, as the claims almost all fall within the first £500k and to illustrate further for us the cost of £10m cover was c. 2.5% than for £2m)

The simple answer is no.

This proposal is wondering which of the angels you're going to take home after the dance on the head of a pin.

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