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Unfortunately APIL's statement is full of half truths and omissions, much as I'm sure the ABI's will be. Statements such as "just one out of every 400 claims was proven to be fraudulent" and "claims numbers registered by the DWP’s Compensation Recovery Unit have fallen 41% since 2010/11" don't even tell a quarter the story and there are numerous other statistics to disprove these. Everyone knows this and as such APIL's comments will do precious little to change the direction the government is proceeding in.

Also, as I have argued on here before, it is quite simply rubbish to suggest that savings will not be passed on to motorists, this is a free market and insurance companies compete against each other - they do not operate a cartel. Unfortunately the reforms will not realise anywhere near the savings that the MoJ seems to think they will.

There are issues in the industry where too many people think it is their right to make a claim for whiplash simply because an accident occurred, irrespective of whether there was an injury. Compensation is too high .

HOWEVER, to remove the right of an injured party to claim redress simply because other people have exploited the system is wrong, as is taking away their ability to have legal advice.

APIL should have used this opportunity to actually suggest credible changes that would be agreeable, not stick their head in the sand and say "it's not us, it's all the nasty credit hire and cold callers fault".

Change is coming, it's inevitable. It's better to be on the inside shaping it rather than on the outside trying to push back.