Insurance

Now, I know that insurance isn't exactly "Cool car shots and news" but I thought I might as well talk about it, because it's something that I feel strongly about. Insurance prices are extraordinarily high, especially for younger drivers. Now I accept that this is because of Boy-racers, and their attempts to impress their girlfriends and mates by driving fast in their modified 0.9l Peugeots, Citroens and the like, and eventually crashing, but I believe that insurance companies charge such extortionate prices not to cover these idiots, but purely to make millions upon millions of pounds of profit. I believe that insurance companies should be run as not-for-profit organisations, with just a bit set aside for paying out to people, so that prices can be driven down for the motorist. Another good idea that I think most Insurance companies are missing out on is the Black-box scheme, where the insurance company can see how a person drives, and alter their insurance cost accordingly. I believe that offering a Black-box scheme will lower the cost of insurance to the ordinary teenage motorist, as well as making sure that the people who drive erratically have their premiums forced up so high that they can't afford to drive. Win-win really. Any responses please comment

Typical Boyracer car. Peugeot 106.