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Anonymous@09:35, you do not identify the insurers to whom you refer, which is irresponsible. I feel certain that 99.9% of those legal service providers who are insured by Bar Mutual would not think their PII is a scam. Far from it, because they are almost never required to pay an excess or deductible and, on average, pay less than one percent (yes, 1%) of their fee income for their annual premium and any surplus recorded at the end of the financial year is transferred into the free reserves (Bar Mutual having member (its insureds), not shareholders who are eager to receive a dividend. If the forecast review results in Bar Mutual being prevented from continuing its work of almost 30 years in providing comprehensive and affordable PII cover to its members, that will be something that will be decidedly unwelcome.