Fellow members of the Insurance Institute of Bradford, I am honoured to be once again your President for the 2019/20 term. In fact this will be my 3rd time and I am really looking forward to building on the sterling work the Council has done under the leadership of the previous 3 Presidents, Andrew Morgan, Steven Crabtree and Katie Willis.

Your Council is the driving force of your Institute and we are delighted to welcome 3 new members this year: Elaine Compton, Alexander Considine & Alex Thomas. Thankfully they have brought the average age of the Council down by a good amount and we look forward to their enthusiasm and contributions.

At the core of what the Institute does is the provision of CPD lectures and seminars. In this regard your Institute has an enviable record of providing these. In the 12 months leading up to the AGM in March we put on 8 lectures varying from Spotting Suspicious Claims to The Effects of Brexit on the Insurance Industry. David Codling must take the bulk of the credit for putting these on and we are pleased he is to continue with this.

Our Annual Dinner continues to thrive providing a great opportunity for networking and enjoying good food and entertainment. I will ensure this continues once again next year.