Andrew Barker and Michael Newbery, who worked side by side for more than

20 years at the West of England Ship Owners Mutual Insurance

Association, are back together, running a P&I operation for the Terra

Nova Insurance Co.



They hope to persuade many shipowners who are in the traditional P&I

clubs that they will sleep easier, without cash call nightmares, if

they convert to fixed-cost cover.



Barker