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Any claimant solicitor taking on a clin neg case will be preparing themselves for the long haul hence the cover. The premium for breach reports is always in excessive of the actual cost of the initial breach report because so many fail at this point.

Assume 1 in 5 gets past breach to letter of claim and the policy starts to look reasonable. Assume that less than 1 in 5 actually succeeds and it looks low.

The problem with hindsight arguments is that insurance doesn't work on hindsight it relies on risk. I can just image saying to my car insurer "Well I haven't had a prang this year so the policy should have been £200 instead of £700".