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Duncan sir, fair play to you for your response. We obviously sit on opposite sides of the fence but that's fine. I don't work for an insurer but I do accept that they should take the blame for a large part of where we are currently. Perhaps, working in a counter fraud team, I only see the adverse behaviours. However, the sheer volume and clearly deliberate actions I see day on day, for years on end, I can't be blamed for forming the view I have. You may not agree, but the compensator is always going to take the higher ground. Don't fake or exaggerate the claim and then no one will ever have anything to moan about.

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