Backchat was alarmed to hear from a broker who revealed the measures that some insurers are resorting to in order to save a few pence.

It seems that in cutting administrative costs to the bone, the courier services used by certain insurers to deliver policy documentation to brokers have become less than reliable, with complaints about infrequent delivery, surly behaviour and - horror of horrors - couriers who fail to close the door on their way out.

But, jokes aside, the broker does have a point. With the time and cost involved in resending documentation, would it be cheaper for insurers to pay for a decent courier service or, as the broker suggests, should they revert to "the good old Royal Mail"?