[Traduk]

I have just renewed my car insurance and the premiums this year have sky rocketed. The broker I have used for years could do no better than a 33% rise on last year. Needless to say I have a different broker now but the increase is still 20%.

The industry has taken a quantum shift from risk based on individuals. location etc. to a collective risk whereby everyone who pays for legality accepts the losses encountered by fraud and law breakers.

Personal injury claims both real and fraudulently claimed are partly to blame with fraud estimated as being a cost of £40 per premium to every legitimate purchaser. Uninsured drivers and those with insurance on impossible to claim from foreign insurance are reckoned to be responsible for another £30.

Per individual there is an increase of £70 per head to cover mainly criminal activity with even more added because the industry claims low or no profitability.

The real discrimination is against law abiding individuals whether male or female and IMO the trend towards low premiums is over. This female choice is nothing more than part of a trend which will see premiums heading back to historic higher levels to pay for poor law enforcement and give big profits back to insurers.

All of the arguments as to the reality of female drivers being a lower risk which although true is irrelevant when all payers are seen as a collective pool of income irrespective of individual circumstances.