Caroline Gill appears to have settled well into the chair of Insurance Ombudsman, which proved such a poisoned chalice for her predecessor Paulyn Marrinan-Quinn.

However, the problems she reported in her first annual report this week proved that little is changing in the industry.

Despite all the promises and the admonishments, lack of clarity about products being sold is still a major problem for customers of the insurance industry.

Those who supported Ms Marrinan-Quinn in her one-sided battle with the industry will take little comfort from the fact that the board of the ombudsman's scheme, which contains members of that industry, welcomed her report, stating that it helped educate people as to the importance of company care. If only.