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jurors promise to decide cases only on the evidence heard in court. Yet, in the privacy of their homes or phones, many cannot resist the urge to Google a defendant.

We received a comprehensive response within 90 minutes. It would have been impossible to instruct a lawyer on the facts within 90 minutes, let alone have them draft a detailed reply.

Market conditions continue to improve, so whilst there may be less scrutiny on firms, a detailed and thorough proposal form can help to reduce premiums even further.