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Exactly, Anon 10.38, your use of the words 'potential claim' sums things up. Not an 'actual claim' all you need these days is a 'potential claim'. See the Mischcon's case reported here today. No breach of contract, no negligence, just an insurance policy behind your intended defendant and off you go, jump onto the bandwagon/gravy train that litigation seems to have become these days.