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@Frank Maher; Commented on: 16 June 2018 14:33 GMT

"...I don’t think anyone can comment on that without knowing the facts.

It depends, among other things, on what the “one claim” was.

The scenario you describe does not sound like, for example, a missed time limit on a £10,000 PI claim. .."

Frank generally, take the bubblegum out of your eyes and speak to some Sole P's generally off the record (particularly at a Lodge if you can go there - where what is discussed is definitely confidential).

Insurance is a theoretical remedy.

BTW a colleague of mine as a Surveyor, got quoted £1500 as a proper regulated Chartered Surveyor. I told him to do what all other lawyers are doing that are denied PII which is to continue to practise in fact not de facto name.
He considered the but then got an offer at £300 - £400. About 2% of his part time turnover.

I mean at present we pay 7% - 10% or more of ours to poor quality Insurers and Brokers.

Then in the light of that and the fact to please the Insurance 'Industry' we went arse up (with vaseline) over the abolition of the rules against maintenance and Champerty, the 'opening up' of PI and abolition of Legal Aid (that in the latter case sifted cases and forced Insurers to settle), ask yourself the question when a Sole P (or even small firm less than 2-3 partners), was last 'allowed' by insurers to operate a claim under the Legal Expenses Insurance directive 1990 - as they are theoretically mandated to allow.

Scruff.