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James Millar Craig


T: 020 7842 1438 (DDI)
T: 020 7583 2222

James Millar Craig is a highly experienced lawyer who deals with personal injury, clinical negligence and insurance claims.

About James

A litigator with over 35 years of experience, James has been a partner at Royds and now Royds Withy King since 1983.

During his career, James has dealt with a wide spectrum of litigation work, from general commercial litigation to specialist areas of personal injury, clinical negligence and insurance claims.

James has over 24 years’ experience in the specialist area of Permanent Health Insurance (PHI) and other insurance litigation. The claims he has handled involve a variety of illnesses, including in particular ME (myalgic encephalomyelitis) / CFS (Chronic Fatigue Syndrome) disputes.

James also represents clients in complex health insurance, personal injury and medical negligence claims.

On the commercial side, James and other Royds Royds Withy King lawyers acted for Christie Group Plc and their subsidiaries, including Christie + Co., a leading commercial business agent.

James was a Volunteer in the Brand Protection Team at the London 2012 Olympics alongside a number of other lawyers.

Practice areas

  • Claims for Permanent Health Insurance (PHI) and other insurance litigation involving a variety of illnesses, and ME / CFS disputes in particular. James is recognised as an expert in this field by ME Association and Action for ME. He has written on the subject and appeared in Parliament with ME Association.
  • Personal injury claims, including major road traffic accident claims, fatal accident claims, Motor Insurers Bureau (MIB) claims against uninsured or untraced drivers and accidents at work.
  • Industrial disease claims, specifically claims for asbestos-related illnesses.
  • Complex medical negligence claims.
  • Acting for various high net worth individuals, media and entertainment clients.

Work highlights

  • Successfully representing clients in health insurance claims: over the years claims have succeeded against insurers such as Unum, LV, Aviva, Canada Life, Zurich, Wesleyan and Abbey Life.
  • Successful claims related to mis-selling of critical illness policies and insurance law generally.
  • Alongside Inheritance & Trusts Disputes team, representing a leading charity in a lengthy and complex Chancery case in relation to the estate of Dorothy Whelen deceased involving both a lost will and a disputed will. As the estate was for over £2m the charities were delighted to succeed and the judgment was widely reported (2015).


James is a member of the Association of Personal Injury Lawyers (APIL), ME Association, Action for ME and the RAC.

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Related articles

Opinion [4]
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When is a heart attack not a heart attack? Why it matters to insurers

13 June 2018

James Millar Craig, partner and lead in our denied health insurance claims team, takes a look at a traumatic example of insurers using small print to reject a critical illness policy claim.

Read more..
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The PACE trial – “one of the biggest medical scandals of the 21st century”

6 March 2018

On 20 February 2018 a Parliamentary debate on the PACE trial – a controversial study on ME/CFS treatment – highlighted the flaws of the original trial whilst also raising debate over whether more information is needed to educate the public and the medical professions about the devastating effects of ME/CFS.

Read more..
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Miley v. Friends Life – a typical story of an ME sufferer up against an insurer

30 October 2017

Disputes relating to Personal Health Insurance (PHI) rarely go to trial at the High Court. However, this is just what happened in a recent case, and it led to an important ruling by Mr Justice Turner on the 4th October 2017. Why? Because it demonstrated the lengths insurers go to secure a positive result for themselves, which in this case was – thankfully – all to no avail.

Read more..

Workers exposed to asbestos during refurbishment work

1 June 2016

Two firms have been hit with fines after asbestos was disturbed during a refurbishment project in East London.

Read more..
News [4]

Man needed 60 stitches after health and safety failings

26 July 2016

A borough council in London has been fined half a million pounds after one of its road workers suffered a serious injury whilst cutting trees. Southwark Crown Court heard how the man, employed by the London Borough of Havering, had …

Read more..

Man loses fingers after health and safety failings

27 June 2016

A metal packaging firm based in London has been fined following an incident in which a worker trapped his hand in a power press and lost two fingers. Westminster Magistrates Court heard how a member of staff at Roberts Metal …

Read more..

Law Society criticises changes to personal injury claims

12 February 2016

The Law Society recently raised concerns over proposals to increase the small claims limit for personal injury claims to £5,000. The proposals, originally announced in the Autumn Statement, would also put an end to compensation payments for “minor” soft tissue …

Read more..

Charities win long-running will dispute

24 November 2015

A group of charities have won their High Court battle over a £1.8million legacy. Royds Solicitors represented Marie Curie, Action on Hearing Loss, the RNIB and the Royal Institute of Cancer Research in the dispute, which revolved around the estate …

Read more..

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