In the changing world of insurance broking wholesale brokers have become a fact of life.

This not only raises the question of whose agent is the wholesale broker but also what went wrong with the Insurance Brokers (Registration) Act.

John Lynch
Insurance Advisory Service

Letters intended for publication should be sent to Insurance Times, 30 Cannon Street, London, EC4M 6YJ, or faxed to 020 7618 3499, or emailed to