The insurance industry have already been investigated and found to be acting legally.

They claim to have statistical "proof" that having a non-fault accident makes you a higher risk of having a fault claim in the future, hence they use that to load the premium.

Like all statistics, you can bend them to make any claim you want. and thats EXACTLY what the insurance companies do.

The figures are blatently manipulated bollocks but its within the rules so fuck all we can do about it.