Insurance what a piss take.

[Townhill]

A possible to the insurance problem is to insure the person instead of the vehicle. That way you'd pay one single amount and can ride/drive whatever you like. There could be a teored system for coverage so for instance you could pay £200 a year to be covered for up to £10000 or £300 for £20000 etc etc
At fault Accidents and penalty points could give you a Black Mark on your profile and instead of raising costs would simply make it harder to gain insurance from the cheaper companies.

That's not a bad idea I.M.H.O simply because you can only drive/ride one vehicle at a time. Which was my argument with the insurance company on a multi policy. That was another time when they were taking the piss. It really does make a mockery of everything though. Making a purchase of any kind is supposed to be a pleasurable experience. This is not so when getting annual insurance you can spend hours trying to sort. Whilst they do there best to wind you up with stupid over the top prices.