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I read all of this and wonder why there is no clamour from the profession for our PII cover to be written on the basis that the insurer who pays a claim should be the insurer who took the premium for the year in which the claim arose (irrespective of when the claim is made). No more need for run-off on closure. No concern about being left uncovered after the end of the run-off period. Insurance risk and reward aligned. If clients expect an insurance long-stop for their claims and don't understand the claims made basis of PII, why aren't we giving them that?