Educate fools or make world safer?

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Based on statisics and claims by young drivers last year,in the insurance company's eyes you are twice as likely to have an accident this year.

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Or maybe it's just that people are sueing other people (with insurance companies paying out) for all kinds of motoring-related and non-motoring-related trivialities, and to make sure they maintain a healthy profit margin they're lumping us with prices double that of last year. Hmm.

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how else would you recommend they do it?

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What, am I not entitled to complain without suggesting an alternative?

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Or maybe it's just that people are sueing other people (with insurance companies paying out) for all kinds of motoring-related and non-motoring-related trivialities, and to make sure they maintain a healthy profit margin they're lumping us with prices double that of last year.

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Or to stay afloat. Don't forget that a big motor insurance company - Drake - went under just last year.

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What, am I not entitled to complain without suggesting an alternative?

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Fair point. I'm not going to stop complaining about the weather, and I can't suggest an alternative to that either. ;)

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As for discriminating on a statistical basis, well, how else would you recommend they do it? They give no-claims discounts if you don't wipe anyone else off the road each year, so they do reward you for being less of a maniac than your cronies. The fact is, because you have less experience than oldsters, you are on average more of a risk - whether you think you're being reckless or not.

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What about if they prove statistically that a black person is more likely to have an accident (and I'm not saying they do) then is that a legitimate form of disrimination?

Yeah, and what about the way those Chinese drive... oops :p emmmm la la la la la la la

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What about if they prove statistically that a black person is more likely to have an accident (and I'm not saying they do) then is that a legitimate form of disrimination?

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You've got me there. I don't know what would happen in that circumstance. Mind you, I don't think they're allowed to ask the question; I know I've never been asked about my race on an insurance form.

I think if that was ever to be the case, they'd probably be able to find an underlying cause - location or something. That said, they're allowed to discriminate based purely on gender.

I guarantee you if women had to pay higher insurance because of gender discrimination, even if statistically backed, they (feminists that is) would be up in arms about it.