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Total claims refused over 6 months in 2021 was £47m - say £100m for the year. In 2023 motor insurers paid out £9.9bn Based on this, rejected claims are 1% of total claims. I would judge that most outright rejections are fairly rare and for the most egregious of reasons. That claimants fail...

I totally applaud the likely adoption of Kamala Harris as presidential candidate and wish her luck. Trump made Biden look old and out of touch (at best). He was entirely comfortable with outright unsubstantiated character assassination - eg: "crooked Joe Biden". She can make Trump look an...

We apparently can't change them (Rednecks) through: vitriolic and extreme criticism of Trump - he is second only to G-d (or the reverse) reasoned argument - they think the Trump arguments are spot on It's all to do with the cowboy culture - steely determination, man with six shooter (or...

Biden may not have been aware of his deterioration, or possibly in denial. Those close to him can't fail to have noticed - but telling the boss his brain is turning to porridge (sorry to be blunt) is made more difficult by the fact that job, influence (close to the seat of power), and income...

Any regulation needs to be materially beneficial. It needs to meet simple criteria: positively impacts outcomes - fewer less serious incidents, accidents, harm is both capable of, and actually policed punishment for non-compliance proportional to the risks of non-compliance protects the...

Labour were very careful not to over promise - they wanted to be seen as a party of fiscal responsibility, and chose their words very carefully. It was equally very obvious there was a large gap between aspiration and that which would realistically be afforded. The ground was being laid for a...

The message from the left has precisely the same level of consistency. It's not fair. We work incredibly hard in horrendous conditions for a pittance and live in unremitting poverty - inadequate food, clothing, housing, heating etc. It is all the fault of the bloated plutocrats. All...

Government infrastructure investment is typically long term (20+ years) and includes things like major roads, hospitals, bridges, railways, education, military etc. There should now be a surplus over current spending, arising from investment over the last 30-50 years. This conveniently covers...

The 1970-1983 period stands out as dominated by strike action - the ultimate union weapon - before Thatcher introduced legislation. This was the period of strikes in mining, car building, steel, refuse collection, gravediggers etc. The UK was better known as the sick man of Europe. Unions...

Not just wealth, but leadership, intellect, brains, skill, and a willingness to take risks.

You are of course quite right. It would be difficult to get the main protagonists to agree that yesterday was Wednesday, not Sunday Tuesday or (possibly) January. It leaves a choice to be made: accept the issue is unresolvable with a thoroughly unpleasant conflict every 5-15 years start from...

Currently overnight power demand is ~10GW less than during the day. Energy companies encourage overnight use by reducing night rates. As the number of EVs increase, spare night capacity will diminish together with the low rates. Simple assumption - 5 hours of cheap rate electricity will...

I can understand why these systems are not appropriate in other parts of the world due to climate or building regulations and practices. However the UK suffers little from permafrost and most urban property has services (gas, water, sewage, electric) whose location is generally very clear...

Changing workers rights is effectively a redistribution of wealth and income within a society and economy. No problem with that - it is a democratic choice having elected a Labour government. Some will clearly benefit from the changes. Balancing the beneficiaries are losers. It is not a...

Changes in employment rights will have the effect of increasing costs and reducing staffing flexibility. This may be of benefit to those staff whose employment conditions are improved, but: it is fundamentally inflationary - businesses will want to recover their increased costs it may reduce...

Looking back over 5000 years to establish which group have a "rightful" claim to the territory (now Israel and Palestine) would be an exercise is futility - countless claims, many conflicting, none convincing, etc. A complete waste of time. Looking back just 75-100 years with well recorded...

You make an interesting point. Society (mostly) regards material wealth as the principal measure of status and success. These perceptions are reinforced by the media in its reporting of news, film, TV, celebrity etc. There are exceptions - those who take pleasure from contributing to the well...

1991 saw the dissolution of the old Soviet Union at which time the principal borders (including Ukraine) were defined. Many were based on old USSR regions with limited input to take account of ethnic, racial, economic relationships etc. Ukraine was established in 1991 based on this...

Green energy output will be largely similar day or night bar the fairly small amount generated by solar - 5% of total power over the last year. As more folk buy EV I suspect the cheap night rate will slowly disappear. At some point it may become commonplace to charge batteries at time of...

Rubbish. Making comparison of property rental with other items which may frequently be rented, not where ownership is transferred, may include car rental, use of a hotel room, airline or train seat etc. In all cases the buyer of these services will typically have obligations - to pay on time...