> Even insurance companies do not load premiums for
>minor speeding offences.

Boy, there's a major clue that there's no correlation.
I've never seen an insurance company pass up an opportunity to charge more, or deny a claim.

--
http://www.piclist.com hint: PICList Posts must start with ONE topic:
[PIC]:,[SX]:,[AVR]: ->uP ONLY! [EE]:,[OT]: ->Other [BUY]:,[AD]: ->Ads