Dojj My first insurance was £8 a year back in 1962 according to you that's it for me. If tomorrow I bump in to a Bugatti Veyron & he then ploughs into a row of Children killing them all & its my fault they will pay out under your great rules. Who pays the Millions of pounds claim. We collectively pay it that's the way it works or are you prepared to sell your house when you have your next crash. You pay for a risk each year & as I said the Motor Insurance Charity has not arrived yet they don't have a money tree to pay claims from Dojj we all pay.