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Simon, it is cheaper for an insurer to settle than actually try and investigate a case properly, primarily because of incredibly low legal fees to pay and QOCS. Fraud has always been used as a stick to beat honest claimants.

What interests me is the sums involved. Policy increases have been £100 or so but IPT changes would only amount to a £15 - £25 increase if that. And what if the SCT goes to £5k and minor whiplash claims are no longer recoverable - if this is 90% of the market does this mean they'll reduce premiums more than some token £50?

It's like a supermarket jacking up prices then reducing the price to the normal price so they can trumpet your savings.