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I wouldn't normally engage with commentators presumably so unconfident of their views that they won't reveal their identity, but I must correct the suggestion that FOIL has just realised that an increase in the SCT is a bad idea. Those close to the debate will know that FOIL has always opposed an increase in the SCT. We said so very publicly in the last consultation on this issue in 2013 and in evidence to the Transport Select Committee. Amongst other potential unforeseen consequences, we believe it will simply cause claims inflation as claimants strive to get their claims over the new threshold. We remain committed to helping insurers to contain costs in the wider public interest but we do not agree that these reforms are the best way to go about that.

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