No one can accuse Independent Insurance's liquidator Dan Schwarzmann of lacking empathy for those left out of pocket after the insurer's collapse.

At the time of the insurer's failure, the PricewaterhouseCoopers (PWC) liquidator had an existing property policy with Independent and had put in a claim for subsidence.

A PWC spokeswoman said Schwarzmann's connection with Independent had been been given the legal OK when he was appointed provisional liquidator.

She also stressed that he had absolutely no contact with his claims handler, despite his talks with the company's remaining staff in the aftermath of the collapse.