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Also the insurance lobby should agree the Alternative Claims Framework proposed by A2J, which will create significant insurer savings, but also at the same time, maintain access to justice for the injured and avoid legislative headaches and potential embarrassment for the Government, when the Civil Liability Bill is introduced to Parliament. Insurers are increasing premiums year on year and not passing on savings to policyholders. The facts are out there see Twitter @ccesstojustice and www.ajag.co.uk