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If you hold yourself out as providing a fair analysis of the market for Non-Investment Insurance Business then the selection of insurance firms considered for this purpose will need to be sufficiently large to meet the Financial Services Authority’s requirements.
One way in which this requirement may be satisfied is by using ‘panels’ of insurance firms which should be reviewed on a regular basis and kept adequately up-to-date. For example, you would need to update the selection if you became aware that an insurance contract had generally become available offering an improved feature or better premium when compared with your current selection.
Where a panel is used, the criteria used to select the panel should be based on the product features, premiums and services offered and not solely on the benefit that you receive from using them.