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My nephew at the age of 14 sustained soft tissue damage in a car accident. Where the colliding driver flew blindly out of a bend on a brow of a road. I managed to get him £3000 for his injuries at the time, him having additionally been laid up at home and off from school for a length of time (he didn't mind that part in the slightest lol). Whereby his school then had to go to the extra bother of arranging for his tutors to prepare his class work to be sent and collected from his home. My sister had to arrange time off from work and the inconvenience goes on. He took possession of his award about 4 years ago now having reached the age of majority. Whereby he has used it to finance his student digs during further education. This nonsense here therefore means that my nephews claim via my sisters insurance policy would have been unsuccessful and moreover it is of my opinion that this nonsense here will also see innocent victims being denied and or hampered from accessing there right to (affordable and or un-stressful ) access to remedy. At this rate there will soon in affect, be no need or use for getting insured in the first place. And so unto ye fools i say "Beware what ye sow for the result may not be what ye wished to then reap".