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Editor's comment: Feeling lucky?

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My Irish grandmother always said bad things come in threes. In the last 18 months the insurance industry has faced bad returns on investments, several increases to insurance premium tax and now the huge change to the Ogden discount rate, so the sector might just agree with her.

That’s not to say there haven’t been some wins, for example, the whiplash reforms. However, the market was recently warned the reforms and a new tariff system could give rise to a claims epidemic in

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How should success of FCA’s response to Which be judged?

The effectiveness of the Financial Conduct Authority’s regulatory action in response to Which’s super-complaint about home and travel insurance is reflected in smoother claims handling, not in the number of reviews or fines, according to Claire Massey, founder of Claim Guardians.

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