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@ Andrew McNish

The small claims limit is £10k but a PSLA element over £1k takes it into the fast track. Under the new regime PSLA at £4k with special damages at £5k will keep the case in the small claims track. So, fracture your wrist and be out of a manual job for 3 months and it's a small claims track case.

Premiums will not go down. Or rather they might initially but not for very long. Inflation don'cha know.

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