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There are countless, countless pre-med offers that are simply made to buy off claims on the cheap. Do you really think the insurers are trying to help the process? No, of course they're not. They're buying claims of cheaply, that's their MO. Their duty is to their shareholder. Sorry, there's no justice here, just number crunching.

I routinely act for Claimants - one of my colleagues here had a pre-action offer recently at £1000 and settled for £17,500 a few weeks later.

Please don't even think that this is some great initiative by insurers, it really isn't. Offers are routinely made that are desperately poor, and clients who are not informed take them because they're frightened that a Solicitor will cost them money and leave them out of pocket.

In 30 years of dealing with PI matters, I've not yet had a single pre-med offer that has not been beaten.

Some of those who comment positively about pre-med offers and third party capture need to be a bit careful to represent the truth of the situation and back up their assertions with facts. In this case the facts don't speak for the truth, they shout them very loudly.

The simple fact of the matter is that insurers don't want solicitors to have a sniff of a claim, they are quite willing to sell a claimant short every time.

Now, lets look at some more facts shall we? Ridiculous fixed costs - third party capture, continuing modest damages = massive savings to insurers.

Have you had a massive reduction in your insurance premiums? No, thought not...