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Market with the wind in its sails.

It is the major broker conglomerates that turn the sails in the Dutch insurance industry. The winds of change have seen the internet enhancing efficiency in what is considered one of the most open and stable markets in the world, says Jeremy Golden.

Since 1996, the general insurance sector in the Netherlands has
maintained an average annual premium growth at 5%, which represents a
solid, rather than spectacular, performance. The market is

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