The Health and Safety Executive makes it clear that there is a real and substantial problem of serious injuries suffered in the workplace. Last year it calculated that 2.2 million people suffered from illnesses they believed were work-related, resulting in 36 million working days being lost.

Add ill health resulting from road accidents, building flaws and other causes and there is a potential flood of insurance claims. There is no doubt that many people are entitled to compensation, sometimes substantial. However, unscrupulous claimants are taking advantage of their real misfortune and the view that this is just another victimless crime.