In addition to this topic, Lloyds of London have issued a warning that risk management will play a key part in insurance premiums in the future and how this management will keep insurance premiums level and the availability of cover widespread.
See http://www.insurancetimes.co.uk/story.asp?source=itlloyds&advertcategory=LONDON_LLOYDS&storycode=373952 for more information.
Coyote