The planned small claims reforms have been hanging over the market for months and changes to the timing of these reforms continues to create uncertainty in the sector. These reforms have now been put back again to April 2021 and, if this date is finally the one, then there will be more pressure on a market that is already seeing a decrease in road traffic accident (RTA) claims, the largest claims sector by volume, and most other claims as well. The long-term decline in RTA claims has been exacerbated in the short term by the coronavirus pandemic with a drop in vehicle journeys during the lockdown.