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@anon 1 Dec 00.38
My only gripe was some commenter's reasoning that the saving figure is bogus simply because you can get cheaper prices if you change insurer or threaten to leave, as the insurers' budgeting for deals to gain new customers or retain existing ones who are looking to leave is a separate 'swim lane' to other factors that go into calculating a motor premium - risk categorisation, claims cost etc.

Sure some of the savings from the LASPO reforms have been simply pocketed by insurers, but there are other reasons at play in explaining why motor premiums haven't fallen much - higher cost of repairs from a falling pound and more complex vehicle technology for one, low investment returns for insurers due to low rates on safe assets like government bonds being another.

I would agree that a £16 saving on claims cost is poor grounds for fundamental changes to tort law.