[waynne]

Ok to defend the insurance industry.... hummm.....er....... ok ........here goes.

The repair costs were extremely high and I think that is the big problem. Garages charging hundreds of pounds to fit a new bumper or door panel. Then you have the fees charged by the assesors to ensure the insurers aren't being ripped off.

We did get loads of claims from young drivers although it seemed to be a small minority of young drivers with powerful cars that made the claims. In some countries drivers are power to weight ratio restricted on their new cars. Insurance is a way for the majority to share in the misfortunes of the minority but no-one wants to contribute to anothers mistakes so insurers are very careful to group drivers into risk categories and charge them accordingly.