Report comment

The proportionality argument is hard due to the high number of claims that don't get past the first hurdle and the fact ATE insurers have zero incentive to disclose success rates or keep the premium low as there are no market forces.

However, this is a block rated premium allowing the limited statutory level of cover. it is directly comparable to other similar block rated products that are far less expensive. Pretty easy to say they should have used one of the less expensive policies.