What will happen at Royal & Sun-Alliance (R&SA) when Andy Haste takes the reins later this spring?

Well some effect is already being felt. It seems that some of the staff have picked up on Haste's six-sigma GE management philosophy already - don't be alarmed if you hear R&SA staff chanting the mantra: "Individual prudential responsibility".

The major effect of Haste's official arrival will of course be a change of tack. At AXA SunLife, Haste's philosophy was: "If it moves, outsource it."

Of course, R&SA, with the purchase of loss adjuster PCS, has spent endless management hours and cash on `insourcing' claims and many other functions.