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The point about insurers and shareholders is well made - how low do their profits have to go to suggest they should put up premiums - what is the primary purpose of their existence - to furnish profits for shareholders or protect individuals from their own negligence? I suspect that the considerable savings to the NHS through CRU claw backs and injured people not having to fall onto the state for care, assistance and medical treatment will not be factored in by the Daily Mail et al.

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