My premium is going up when I haven’t made any claims, why is that?
My premium is going up when I haven’t made any claims, why is that?
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18th March 2024
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2 mins read
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Ever wondered why your insurance costs are going up, even though you haven’t made any claims? It’s not just about your personal history—it’s a mix of many moving parts in the insurance world. Here’s what influences rising premiums:
1. Claims Trends:
The larger picture matters. If overall claims are going up, it can affect everyone’s rates, regardless of your personal claims history.
2. Financial Factors:
Inflation and market conditions can play a big role. They impact what insurers pay out for claims and what they spend to run their business, which ends up affecting what you pay.
3. Defence Costs:
It costs more each year to defend claims. High-end lawyers and their strategies contribute to these rising expenses.
4. Insurers’ Decisions:
Insurance companies might change their approach based on what’s happening in the market. They might increase rates for specific procedures or places to make sure they have enough
money set aside for possible future payouts.
Changes in one area can have a knock-off affect on other areas, so even if you are not filing claims, other people’s losses can bump up everyone’s premiums.
The volatility of the financial world, inflation rates and what it takes to run an insurance business can result in higher premiums for everyone. Additionally, rising lawyer fees, driven by competition for the best ones, push premiums up even further.
Understanding these factors can give you an understanding of why your premiums might be increasing. It’s not just about your own actions – it’s part of a bigger system influenced by many increases in the insurance world.
Stay informed and contact one of our team for more information and advice.
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Sporting Medicine in 2026: The Hidden Medico-Legal Pressures Clinicians Must Navigate
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Sports medicine in 2026 will be even more intense, more commercial, and more legally exposed than it was just a year ago...
Sports medicine in 2026 will be even more intense, more commercial, and more legally exposed than it was just a year ago. Clinicians aren’t simply treating injuries; they’re operating inside a fast-moving, high-pressure ecosystem where every decision carries medical, ethical, and legal consequences.
The 2026 Reality: Higher Stakes, Higher Scrutiny
The new year’s landscape brings sharper pressures:
Bigger commercial stakes: Athlete performance now directly influences multi-year sponsorships and broadcast deals. Medical decisions can shift financial outcomes overnight.
Stronger athlete rights: Contracts and welfare standards now give athletes more leverage to question or legally challenge unsafe decision-making.
Tighter regulations: New concussion rules, duty-of-care requirements, and independent review panels mean clinicians face closer oversight.
Sports medicine in 2026 is a public and legally accountable arena.
Where Clinicians Face the Biggest Risks Now
1. Documentation failures
Still, the number-one cause of medico-legal trouble. If the rationale isn’t recorded, it’s indefensible.
2. Conflicting expectations
Athletes want to play. Coaches want performance. Clubs want a return on investment. But the clinician’s only obligation is athlete safety; anything else increases risk.
3. Concussion and long-term brain health
With updated 2026 protocols and stricter league enforcement, even minor deviations carry major liability.
4. Risk and consent misunderstandings
Athletes expect full transparency, and miscommunication is still the fastest path to dispute.
5. Scope creep under performance pressure
Clinicians are being pulled into performance decision-making beyond their training. It’s risky, undocumented, and legally fragile.
Why Medico-Legal Awareness Is Essential in 2026
This year demands clinicians who understand both the medicine and the legal framework in which they operate. It’s not enough to make the right call; you must also:
prove it
document it
communicate it clearly
defend it if challenged
Medico-legal awareness is now a core clinical skill. It protects the athlete, the clinician, the club, and the integrity of the entire decision-making process.
In 2026, sports medicine isn’t just about injury management; it’s about navigating a high-stakes, legally charged environment where every decision counts. Clinicians who combine sharp clinical judgment with strong medico-legal awareness are not just protecting themselves; they’re safeguarding athletes, clubs, and the integrity of the sport. Being proactive, documenting thoroughly, communicating clearly, and maintaining professional independence isn’t optional; it’s essential. In this landscape, the safest clinician is the one who plans for both the medical and legal implications of every call.
Stay protected in an ever-changing medico-legal landscape. Our tailored indemnity solutions safeguard your practice, partner with Incision and gain true peace of mind.
Spilling The Tea with Dr Nev Davies - Consent in Surgical Practice
by Jared - 4 mins read
Consent in Surgical Practice: A Common-Sense Approach
As an orthopaedic surgeon with 15 years of experience in both the...
Consent in Surgical Practice: A Common-Sense Approach
As an orthopaedic surgeon with 15 years of experience in both the NHS and private practice, I know that getting the consent process right is about far more than just ticking a box. It’s about clear communication, managing expectations, and ultimately protecting both the patient and yourself.
In the past two years as the complaints lead for our Trauma and Orthopaedic Department, I’ve gained valuable insight into the patient perspective. One thing has become clear: medicolegal claims around consent are rarely about the complication itself—they’re about patients feeling they weren’t properly informed beforehand.
Consent as a Continuum
One of the biggest misconceptions I’ve seen over the years is the idea that consent happens when the patient signs a form. In reality, it’s an ongoing dialogue that should start well before the day of surgery. Patients need time to process information, weigh their options, and ask questions. A rushed conversation just before heading to theatre is one of the easiest ways to land yourself in trouble.
The Legal Standard – What Patients Need to Know
SinceMontgomery v Lanarkshire(2015), the legal framework has shifted toward a more patient-centred approach. We are now expected to disclose any risks that a reasonable patient would find significant—not just the ones we as clinicians think are important. This means tailoring the discussion to the individual.
A young athlete may be most concerned about returning to sport, while an older patient may prioritise pain relief over full mobility. Over the years, I’ve found that actively listening to what matters most to the patient is key to ensuring consent is meaningful.
How to Make Consent Work for You
1. Start Early – The first meaningful discussion should happen in clinic, well before surgery. Patients need time to reflect and, if necessary, involve family members. On the day of surgery, consent should be a recap, not a brand-new conversation.
2. Keep It Simple – Avoid medical jargon. Analogies, sketches, and my plastic knee model make a big difference. A well-explained risk is far less likely to lead to a complaint later.
3. Discuss Alternatives Properly – Patients must be made aware of non-surgical options, even if surgery is clearly the best course of action. If they decline surgery, document that they understand the risks of doing nothing.
4. Be Honest About Risks – No operation is risk-free. If a rare but serious complication exists, I mention it. Every patient undergoing knee replacement under my care is consented forloss of life. If a patient is particularly anxious about a specific risk, I ensure this is documented.
5. Manage Expectations – One of the most common sources of complaints I’ve seen is a mismatch between patient expectations and the actual outcome. I always make sure my knee replacement patients understand that improvement is a process, not an overnight fix.
6. Document Thoroughly – The consent form alone is not enough. All my surgical patients receive a specific consent information leaflet well before their procedure. I ask them to read, digest, sign, and bring it with them on the day of surgery—separate from the hospital’s standard consent form. If a dispute arises years later, thorough documentation is your best protection.
Pitfalls That Can Lead to Claims
Over the years, I’ve seen common mistakes that put clinicians at risk:
Delegating complex consent discussions – While junior staff can handle routine cases, high-risk procedures require direct consultant involvement.
Taking consent too close to surgery– If a patient hasn’t had adequate time to reflect, consent could be challenged as invalid.
Inconsistent messaging– If different team members contradict each other, it creates doubt and potential liability. The whole team must be aligned on key messages.
Not explaining worst-case scenarios – Even rare risks must be mentioned if they are serious. Patients are far more likely to accept complications if they were informed beforehand.
Summary
A well-informed patient who feels listened to is much less likely to complain if something doesn’t go to plan. Good consent is about clarity, honesty, and thorough documentation. The time you invest in doing it properly will not only strengthen patient trust but also significantly reduce your medicolegal risk.
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