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Reply to anonymous @ 08:36 GMT

But its a competitive market so whilst insurance is compulsory it certain isn't a licence to make money and virtually all profits made by insurers comes from investments and not from motor premiums.
Blaming the PI industry is believable for a simple reason, the general public are force fed adverts, dodgy phone calls, text messages about making RTA claims and the general public are aware these message do not come from insurers.
The average cost of a claim far exceeds motor premiums and remember your motor premium will also cover injury for your passengers if needs be, this is something taken for granted that in the next few years will not be covered.
The next few years will see a real shift in how motor policies are written and it will al but eliminate the claimant PI sector regardless of the reforms