There are aspects of car insurance that annoy me, but I cannot always think of a fair and workable alternative.
The postcode lottery. Some of us live in an area with a heavy premium. Yet might live in leafy suburbs, with the car garaged and often drive in rural areas. Whilst a rural resident may be surrounded by scumbags and frequently visit the big bad city.
The Jazz is not exactly the first choice of car thieves. a 25% increase in relay thefts may be an increase from 4 cars a year to 5 cars. Car manufacturers , crash repairers and insurance companies seem to have a cosy relationship regarding the cost of car repairs , a nice little earner for some. The consumer pays. (I have no evidence
)
Some of us wrinklies are still skilled and experienced drivers and a good risk for insurers. Either from low mileage, or a higher mileage done well. But as things are for every one of us who can somehow justify paying a lower price despite the statistics ,others will have to pay more. Nice if you are indeed among the chosen few. Of course I think I should be one of them.
A good few years ago one insurer tried the radical approach of not charging young drivers massively more .
But as they were the only one they attracted more than their fair share of bad risks. Good risks preferred to save a few quid with another insurer. Same happened to some extent when it became illegal to give cheaper premiums based solely on gender. As we all know the female of the species is superior in many respects. Male drivers saved a few quid, females paid a bit more.
Maybe as I get older I will increasingly have to support those employed in the automotive economy. A choice between heating, eating, or erm Car (I cant think of a rhyme
) A warm car and a bag of crisps.