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ATE premiums are (and have always been) a complete rip off.

As I understood it though when CFA's were first brought in to replace Legal Aid, the cap was 25% of costs on the basis 4/5 cases were successful so the winners paid for the loser, i.e. the whole thing was supposed to be costs neutral for Claimant firms so access to justice would not be denied to anyone who didn't have a 'dead cert' case.

Seemed to make sense then but that didn't take account of the bulk RTA firms making a killing and skewing the market.