In penny-pinching times, insurance is seen as a place to save money - or for the less scrupulous or more desperate, even to make money.
The temptation to cut your premiums, or to try and trigger a pay-out, rises as economic confidence falls.
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On his feet when it's time to take cover
Saturday Interview: Eric Galbraith, chief executive of the British Insurance Brokers Association, believes hard times ahead mean industry can expect a hefty fall-out.
