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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