While fully supporting the FSA ideal of offering the general insurance customer choice and treating it fairly, I recently offered a motor insurance renewal to a long-standing client.

As always, I searched the market for any potential alternative policy, and offered alongside his existing renewal, now at its lowest level for four years, a quotation £118 less than that paid in 2004.

This paperwork amounted to 23 pages. The paper and postage alone is a hugely excessive burden on our own costs. The commission potential on the lesser quotation is less than that paid on the current policy.

When the FSA regulations were introduced, did it take into consideration environmental, let alone broker costs? And did it really think that the client would read all 23 pages?

John Crowther
Associate director
Blythin & Brown