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I now realise why people to prefer to post anonymously (Anon 12:25 take a bow). I will now be doing the same, don't need the grief.

This subject invariably produces more heat than light but the bottom line is that people going to law need advice from whatever source is available; you can't beat professional legal advice but if litigants can't afford the best then they will take whatever they can get.

In passing, and with ref. to m'learned friend at 11:54, you now have to deposit a cool half million quid with the Accountant General if you want to drive without 3rd party insurance (s.144 RTA 1988 as amended).