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Years ago when I did some pi, a front seat passenger client had a neck injury. It was a bad one. After a year of referrals she underwent a procedure to remove a disc in her neck through her throat. Yikes. Liability was in the bag, of course. Insurers pratted about. I set it down in the High Court and with 3 expert witnesses sitting outside court the insurer settled at £96k. The first offer had been £1,750, 3 months after the accident. Bless.

I take it no exclusion clause in the brave new world will be enforceable if a client has not had independent legal advice?

Much as tuppence ha'penny settlement agreements require independent advice from an insured person, usually a solicitor.

Maybe time for the Law Society to begin a social media blitz.

Just sayin'.