Oggers, read the AAIB report. It's not my opinion - it's there in black and white (actually, black and pink in the report, for the more argumentative ones among us)!
Safety Recommendation 2014-35
It is recommended that the Civil Aviation Authority review the regulations that
permit a helicopter engaged in public transport operations to descend below
MSA for the purpose of landing, when flying in instrument meteorological
conditions but not on a published approach procedure.