Quote:
Originally Posted by devilsadvocate
It's not my statistic, it's the statistics.
Insurance is calculated on risk, which is calculated from statistics.
Unless the insurance company can see into the future and work out that you are never going to claim for the next 50+ years of your driving career, the only close thing they can base your premium on is statistics of the people like you (i.e young and male in a Saxo) for the past X amount of years......it's so simple.
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It is to a certain extent. Then it becomes the companies decision to exploit the law to its benefit of making more money, best industry to be in tbf. Its also the tax on top that you pay that jacks it up.
REmember, it works differently and a lot more effectivly in other countries.
incompatence will always overrule driving like a dick. I can drive like an idiot and maintain full control of my car, be aware to whats going on and be able to slow down to a safe speed when nessasery. Now if you are a shite driver and do this, it will most likely end in tears. Insurance companies have been around long enough to spot these people and do somehting about it but the revenue is too dear to lose.