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No I agree below.

I once tried to probe the dishonesty of Legal Expenses Insurers (and boy are they not dishonest!).

One well known Firm I know (and who knows may have worked at as many hacks), enter punters on one policy and kept changing the terms as they lost cases forcing them to indemnify.

Hilarious if it wasn't so serious.

Try finding all those old policies and what terms they were when incepted.

Ho ho - he's behind you ......

Scruff.