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SBS is a London market incumbent; however, they still have very much silo-ed systems which will require significant investment outside the initial configuration to amalgamate data across its offerings - e.g. claims, underwriting PAS. They are one of the few options which are capable of receiving Xhcanging messaging which has allowed them to control their market segment. Other more nimble, adaptable insurance technology providers are emerging and would be a wiser choice - at a fraction of the price!