Update to my thoughts on the above. I also remember the APA being in a dire financial position not that long ago. If they were to fall into an insolvent position that would probably affect their insurance as an insurer would not be insuring an insolvent company. As they are the insured on their policies that might mean that their members are no longer covered. It was interesting to see in an ad in their recent member magazine that 'Why members are asking why their product is so cheap!' I looked at the reasons and none related to why the product should be so cheap. Again it leads me to feel that old 'if it sounds to good to be true....'

We also know that the IHGroup when they came into the physio PI market, they did so with a policy that was not up to the level offered by the others in the market place. e.g. defense costs came out of the sum insured etc. I can see that the IHGroup use a 'middle man', being ProRisk, which is not an Insurer but an underwriting agency on behalf of certain underwriters at Lloyds of London. The APA relationship is with the IHGroup and not a direct one with Lloyds of London but via the ProRisk middleman. In that respect I am not sure where ProRisk would handle Aussie claims, would that be in Australia or if they have to be referred to/handled from the UK, which would not be ideal.

Seems more and more that Physiosure, AON or Guild are a better bet. In fact I have also learnt that the APA did not ask at least one of those three businesses to tender for their business which in itself seems a little dodgy!?