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Date: Fri, 5 Dec 2003 09:26:38 From: Andrew Dickinson Subject: Liesbosch
I would suggest that Andrew is being too hard on the English way of life. Only third party insurance is compulsory, and some drivers (although, I would think, a decreasing number) limit themselves to this, perhaps adding fire and theft for good measure. Comprehensive insurance is now more common than, say, 20 years ago, but the cost of this has risen in real terms and the discount brokers/companies (i.e. those that sell online or over the phone) are less likely to provide free car insurance. Further, if a driver has confidence in his own driving skills and is prepared to take the risk that he will incur irrecoverable losses following an accident which is not someone else's fault, why should he buy insurance from a company that offers this perk at additional cost? He is, of course, free to choose and just because he ignores the more expensive option, he should not be dismissed as a skinflint. If he incurs expenditure as a result of another driver's negligence, that driver should pay for it through increased future premiums.
Yours
defensively
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