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Welcome back to Dickensian times, and the lawless state that beckons. Notwithstanding the Brexit situation amongst others, the need to remove the liberty of the common man must come first and the insurers contributions need to be repaid, with interest by the government. The question as to who is actually governing though is perhaps the one to be asking. The complete lack of morals of the insurers incessant refusal to actually meet the insured risks people pay them a sizeable premium for (should the worst occur) means that negligent harm to an innocent party is now going to be treated differently to the same harm caused to them by an alternative negligent means! The country is going backwards rapidly, and many seem happy about it, for the sake of a mythical £50 saving you won't actually see, just like the other savings promised historically that weren't actually passed on and premiums continued to rise relentlessly. The usual 'moral high ground' naysayers will be out in force I am sure, saying how wonderful it is that liberty is being eroded before their eyes, because 2% of claims are fraudulent (Aviva's figures not mine) and how either (a) they would never claim (until it actually happens to them or their family) or (b) they're in an area of law that they believe to be so superior to PI litigation, (forgetting that we all take the same qualifications and are governed by the same standards) and shout that it's about time this happened - but will then try to lead an outcry when their 'superior area' is the next target. The lights are getting dim, and will shortly be turned out