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I'm not sure they are right about being able to retain the BNL members business.

As a BNL member with a sizeable account my phone has been ringing off the hook with insurers looking to do a deal on my Aviva account.

This is compounded by Aviva rates being so far out of whack with the rest of the market. I think the net result for Aviva will be a massive shrinking of a profitable account.

You also have to bear in mind that the Aviva deal encouraged brokers to maintain a profitable account, with healthy profit shares. Members are likely to be less protective of the account, and more protective of true partner insurers.

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