When misfortune befalls an individual, our social and legal arrangements may provide a variety of responses other than to let the losses associated with it lie where they fell. For example, the misfortune may have been the subject of private insurance taken out by the victim and at a level the victim chose. The risk of the misfortune may have been socialised by being covered by, say, a scheme of social insurance or social welfare. A third response is restoration of the victim, that is provision to the victim of a financial measure which attempts as far as money is able to return the victim to the position he was in before the misfortune occurred. Clearly, tort qualifies as a form of the third response because the measure of damages in tort is restorative of the victim; but is it also a form of the first two responses and, if so, what are the ramifications of this? Each of these three responses has its own rationale and, though any combination of responses may be triggered in the event of a misfortune, they often compete as alternatives in public policy debates about misfortune. Over time, the outcome of this competition displays certain trends. In this century, until about the late 1970s, there was a rise in the incidence of the insurance response but an even more dramatic rise in public policy reliance on the socialisation of risk across an increasing range of misfortunes. Parallel to this has come a general broadening of the catchment of situations recognised by the courts as giving rise to tort entitlements. In the past 20 years, however, concern has mounted in some quarters that both the latter trends (socialisation of risk and tort expansion) have gone too far and that such support for misfortune is now so over-developed that it stifles initiative by fostering a dependency culture and infringes the autonomy of those who are forced to finance these structures. The degree to which one shares this concern, if at all, will depend on one's politics. It is not a legal question. My aim in this article is to emphasise that whether one thinks the existing catchment of tort (or existing forms of social insurance and social welfare) should be reduced, leaving individuals merely with the support they can afford from Elrst party insurance or hope to receive from charity, is profoundly a matter of ideology. The reason this requires emphasis is that confusing tort with the other forms of support for misfortune can lead, and has recently led in the United States, to the presentation of these choices as apolitical and their resolution in favour of retrenchment of tort as merely the working through of inexorable logic. In this article I will deal with tort's relationship with insurance.l Concentrating first on the common but vague claim that tort is somehow 'about insurance,' I will argue that neither actual insurance nor insurability are or should be relevant to the reach and shape of tort liability. I then hope to explain why continued confusion on this point can lead to the conflation of tort with the insurance model of response to misfortune. Once this 'tort as insurance' construction of liability is embraced, the normative agenda for the future of tort inexorably points to retrenchment: an agenda, it can then be claimed, which arises from the mere logic of what tort is