[Margaret Pilkington]

All Insurance companies are in business to make money...for no other reason.
The law requires vehicles to be insured so the insurance companies are assured of a never ending supply of people who have to buy their service.

Insurance status is calculated on risk...so if you live in an area where there have been a lot of accidents...and therefore claims, your insurance rises.....more so if you have been involved in an accident.

I am not saying that the insurance companies have got it right, but the only way it can be sorted is to stamp on the unscrupulous people who claim for non existent injuries......or make their injuries out to be worse than they actually are.
Also there have been a fair number of crash for cash scams going on in the area....this also puts the cost of insurance up.