So Tesco is "revolutionising the way insurance is sold", saying that motor insurance is "too complicated to sell off the shelf".

I would argue that travel insurance is in many ways more complicated a policy to sell and explain. It is only recently with press coverage that the public is becoming aware of its many exclusions, restrictions, excesses and medical condition clauses, which we as brokers have to advise on prior to the purchase - and have done so for years .

Insurance in a box from a supermarket shelf relies too much on the14-day cooling off period with customers reading and, more importantly , understanding the policy cover they have bought.

Should these revolutionary sales methods really have a place in our industry when consumers complain about not enough information and bad advice when buying insurance?

D Sutton
Douglas Insurance

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