Our sister website SchemeServe has written about how direct insurers could pose a threat to brokers. They do, after all, have the muscle and the budget to market to customers directly and persuade them off broker’s books. Often, through advertising, they’ll try to persuade customers that they’re in fact saving vast amounts of money if…

As anyone who’s watched the TV show ‘Silicon Valley’ will attest, the explosion of technology innovation of the past decade has seen every programmer, entrepreneur, and app developer from Palto Alto to Plymouth seeking out the new digital breakthrough that will transform the way we live, or revolutionise the way a particular industry operates. The…