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I agree. But...

Can you really see the insurance companies actually offering to give anything back? They should not be asked to contribute, they should be liable for any NHS cost arising from the actions of their insured.

However, the issue with this is that the forthcoming reforms will do away with many claimants, so costs that could be recovered will not be. yes it could benefit the major trauma clients but that is all.

Further, any increase in payout from an insurer will lead to higher premiums. That their outlay will reduce massively from next year is irrelevant here.