The announcement that the compensation culture is costing the UK insurance industry £10bn a year in legal fees suggests to me that the first step in equalisation of the world economies should be a return to the law of negligence.

This would include damnum sine injuria, also feasance and non-feasance, for liability insurance and would help by putting an end to the belief that "if you've had an accident, you've got a claim".

John Lynch

Letters intended for publication should be sent to: Insurance Times, 30 Cannon Street, London, EC4M 6YJ f: 020 7618 3499 e: