A sensible reply.
Last year the UK's private car insurance industry paid out £1.30 for every £1.00 they took in premiums, hence why rates are up by 30% - 40%. Some reading here:
http://uk.finance.yahoo.com/news/Had-accident-Fake-injury-tele-1053476632.html
Please do not shoot the messenger. The industry is in a mess and needs sorting out, by this I mean everything from cash for claims scams, rediculous PI claims, bodyshops charging far to much, hire car companies charging far too much etc etc.
Ollie
Sky Insurance