I'm sure it's all very simple really, but..

What exactly is the difference between ‘self-insurance’ and ‘no insurance’ then? Since, that is, the Australian owners of the Northern Bank have said they will bear the cost of a £20m robbery in Belfast. They are, however, keen to stress that customers will not be affected [financially, I assume] by the theft – I should bloody well hope not.. but we’ll see.

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