[4] CGU also offered a broad range of life and general insurance products, with a stronger global presence than the heavily UK-based Norwich Union.

[7] Following an extensive pilot, in October 2006, Norwich Union introduced a novel type of auto insurance called Pay as You Drive (PAYD).

[9] In December 2007, Norwich Union was fined £1.26m by the Financial Services Authority (FSA), after customers with life assurance policies were put at risk of fraud.

[10] After discovering an overcharging error that dated back to 2001, Norwich Union agreed to compensate their clients with a cheque for £300 each, due to charges that exceeded the 1% cap imposed by the government.

[11] In Canada, Norwich Union was well known as a direct marketer of life insurance products, often promoted through frequently repeated television advertisements.

"[12] Following the Norwich/CGU merger, this unit was sold to American International Group and renamed AIG Assurance, which decided to drop the "Patrick" ads.

[14] The company then consisted of three businesses: life insurance, fund manager Portfolio Partners (which reports directly to London) and the master trust/financial planning service Navigator.