Optimistic souls are a joy to listen to in dark times and few come more naturally upbeat than Hyperion boss David Howden.

In the first half of our two-part interview, David emphasises the positive aspects of the industry’s response to Covid-19 and how he believes the pandemic will change the shape of the sector long-term.

Yes, some insurers are getting criticised but he points out this is not the first time brickbats have been lobbed at the industry amidst a major event. The important thing - more than ever with one that has had such terrible consequences - is to ensure the sector collectively improves from it in the future.