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Dominic - you get screwed all ways round trust me. Run a small value (apparently under 25k....) claim to a near trial, and see what reward you get - it's astonishing that the manifestly unfair costs scheme got through in the way it did. Insurers must be laughing all the way to the bank.

Saying that, I'm sure you've seen your insurance premiums massively plummet? You haven't? Well, fancy that. 'Access to Justice' and 'forward thinking' I think it's laughingly referred to as.

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