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View from the top: The buck stops here

Laurent Matras

The past 18 months have been horrendous for the motor market. Insurers have been ravaged by credit hire, claims farming and fraud, burning more than £1bn of capital as a result.

Prices may finally be on the up as underwriting sense returns, but we're all dealing with a monumental mess. And, as with the UK economy, the solutions are both severe and painful.

Some people seem

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