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If insurers want to combat RTA fraud then they need to stop dishing out policies like candy and start doing some due diligence and make sure the person is who they say they are - such as asking for proof of ID and/or checking the electoral roll to see if they live at the address they claim that they live at.

We are in grave danger of throwing the baby out with the bath water and then throwing the bath on top of them. Cold calls are annoying but that does not mean that we should ban people from claiming for soft tissue injuries as a result of someone else's negligence or make it so that the wrong doer's insurer does not have to compensate the claimant in respect of at least some of their legal costs. Motor insurance is not a one way valve. We do not just pay our premiums to the insurer for them to keep it in a pot. If there is a claim to be made then they should pay out, subject to all of the usual checks and balances and the Claimant proving their claim.

It is nonsense to blame the advent of the small claims limit being increased on "factory firms". They are not the reason for the proposed changes. The reason that the changes are coming in is down to greed of the insurers. Nothing more, nothing less. If insurers hate motor insurance that much because it costs them so much money then why do they spend millions on flashy advertising campaigns and insist on giving me 12 months cover for the price of 10? Perhaps if they stopped splashing some much money up the wall trying to persuade us to by a product that is compulsory the premiums would fall by as much, if not more, than the £1 a week too much that we all pay. And if they hate motor insurance that much then why not leave the market? There is already infrastructure in place to deal with claims via the MIB so why not get rid of the motor insurance departments and pass the administration to the MIB? Upfront premiums can be scrapped as the cost of insurance can be added to the cost of a litre of petrol or diesel. Insurance costs would then be proportionate. If there is any excess money left over at the end of the year this money could be used to fund road repairs and/or road improvements and/or road safety.