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Simon Browne QC represented the insurers of the bus company in this case of both personal injury and insurance law. The Claimant was a blameless pillion passenger on a motor cycle suing the rider and the bus company for an accident rendering her seriously injured as he crashed at over 70mph. The Estate and RTA Insurer of the deceased rider admitted liability. Nevertheless they (1) sought to apportion some negligence against the co-defendant bus driver and (2) more importantly sought to avoid the motor cycle policy of insurance.