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It appears that most domestic policies have defective design exclusions and there appears varied interpretation on the application of the exclusion particularly as conservatories are not normally subject to building regulations approval. Is there other guidance that we should be using which is accepted design for such structures?

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UK insurance suffers the highest rate of customer churnage in the service industry ie those who switch provider, says a recent report issued by Pitney Bowes.

There is a striking level of consistency in churn rates across the United States and European countries. In the report, every country reported its highest levels of customer churn to be in the insurer, supermarket, Internet service provider, mobile phone and bank categories, although not all in exactly that order...