How about insurance costs that actually reward those who don't claim? What a novel idea!
How many times have you heard that your insurance premium has increased this year due to the amount of claims/whiplash scams etc perpetrated by others? The simple answer must surely be to increase the policy of those that do claim and reward those that don't. Perhaps you thought that's already the system in operation, but it can't be can it? I've not claimed since 1981 but each year my policy goes up by 15% or so.
On such a small island 30 million cars are going to bump into each other, especially when driven erratically, under the influence, or illegally. Speed camera's don't stop this from happening, Policemen on the beat do, so why the focus on speed cameras? (as if you didn't know
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The root 'problem' if it were to be admitted is overpopulation I reckon, and the insurance companies are simply spreading the inevitable cost of that between all. Plus insurance companies don't only have exposure in the motor vehicle field but many others, which means that someone must pay to rebuild after floods etc, which although coming under home insurance are losses covered by the same companies. It's not a stretch to imagine that just as all our road tax isn't spent on roads, all our insurance premiums aren't spent on vehicle related compensation.Given that I would suggest that the introduction of re-tests and so forth is a different issue entirely to insurance costs. Why retest someone that has never had an accident?