Quote:
All drivers get rewarded for good driving based on their actual history.
I think there is a subtlety here.
Drivers get rewarded for not
claiming.
If you were unfortunate enough to have to make a claim even if your vehicle was stationary and you were not anywhere near it then you would be penalised for making a claim. It's actually called a "fault" claim even though in the case I described there is no blame on you, it's the fact that there is no-one else to foot the bill that counts.
Quote:
The risk factors that the premiums are based on, not only in the first instance but also weight the risk throughout everyone's driving history are based on statistical evidence.
It's statistical evidence of
claims, so not strictly the same as good/bad driving as claims can happen when you are in the supermarket.
It's not a fair system.
My insurance is unfeasibly cheap as I suspect yours is Snowy but there aren't that many advantages of being old so fill your boots :)