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Q3 2020 Direct Line Insurance Group PLC Trading Statement Call Transcript
Ladies and gentlemen, welcome to the Direct Line trading update call. My name is Adam, and I'll be the operator for the call today. (Operator Instructions)
I now have the pleasure of handing the call over to Penny James. So Penny, if you'd like to go ahead, please.
Thanks, Adam. Good morning, everybody, and welcome to our Q3 trading update. Now we don't normally do a call at Q3 as the reporting is very light, but we are conscious there have been quite a few questions in recent weeks around external factors. So we thought it was a really great opportunity for a Q&A session.
Before I start, though, a quick apology. Sadly, Tim isn't able to join us today as a family member's unwell. And it's much more important that he's with them at the moment. So we send him and his family our love and best wishes. We do have Neil Manser here, who you all know well is our Chief Strategy Officer and leads change across the organization. In the event I run out of our answers,
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