[accyman]

of course insurance rates are set on a whim thats why it is always better to shop around and not stay with an insurer each year because they never give any discount unless you ring back with a lower quote

if they had to stick to a price because of statistics there would be little in variation of prices between companies yet for some reason there can be up to £900 a year difference between companies

seems whimsical to me

this so called science is not science it is merely surveys which they pick out the parts they want to include so as to be able to charge extoritionate premiums and this is why they can afford to undercut each other by such huge amounts.It all depends on which company is willing to reduce their level of greed the most

they argue that 3 points for speeding makes you a greater risk where as teh other side of that argument is that somone with 3 points is going to drive a lot more carefully so as to avoid further fines and points and therefore should have cheaper insurance not extra lol