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Ok let's remind everyone why insurers exist........ They are in the risk business, like betting take you money on the pretence that no claim will be made..... Imagine the bookies telling you you can't have your winnings as it's immoral, next the lottery..... Then "we don't wanna give you that" ..... Grow up , stop with the pre - meds . Stop letting your panel Solicitors make a mountain out of a mole hill and for once all work together. There are law firms who act for genuine injured people!!! We even report the fraudsters as we'll and bill them!!!! Open Net Foil to all Mr Dicks and hopefully innocent genuine people will get access to justice!!! And you the SRA stop all the under handed Solicitors who still pay for work!!!!! Role on 2015, R.I.P Grayling enjoy while you can