I read their T&C's and in very, VERY small print it says that they will only represent you if they think you can win the case. They won't even try to fight your corner.
ATS that's being a bit unfair to Balpa as it implies that on any issue unless they think they will win they won't bother. I can tell you from personal experience that it is simplifying matters to your own end. If it is a matter say of going to court then no organisation including the CPS will carry on unless there is a realistic prospect of winning, ask someone in the Police about that. If you think that a legal protection insurance company is going to fight your corner on say a 25% chance of winning when your premiums are as low as you allude to then you are mistaken. What also seems to get lost in all of this is that Balpa is not some big brother anonymous entity but it is what the members make it. It is run by its members who should steer its policy as long as there are people who are willing to take on that role and not just hide away.