Zurich's personal lines personal injury team has come up with creative solutions to achieving early settlement with claimants. Instead of offering cash settlements, the claims handlers explore the needs of the injured and see if they can react with a personal touch.

It seems that one of the most bizarre settlements reached involved procuring a Rotherham United season ticket for a claimant. However, it remains unclear whether this will have the desired rehabilitation effect if the mighty Millers take a tumble to division two at the end of the year.