i've believed for nearly twenty years that the insurance companies
should base your rates on how you do in a simulator, i.e. actually
measuring the persons driving skill rather than looking at things that
don't tell the whole picture, like age or gender, or not having gotten
any tickets when the driver in question rarely drives while some one who
drives a lot and gets one speeding ticket gets more.  guess who's most
likely to injure or kill someone and destroy property, probably the one
with the least skills, probably the very occasional driver.  the high
mileage driver has in fact demonstrated their skill while the other
driver hasn't logged enough miles to make any conclusion from their
driving record.  sadly insurance companies are notoriously conservative
in every way possible.  i really, really would like to see things done
this way one day, and not just because i think my rates would plummet.

Howard Winter wrote:
>
> Michael,
>
> On Tue, 15 Jun 2004 15:03:01 +0100, Michael Rigby-Jones
> wrote:
>
> > The problem on our roads is the quality of driving,
> not the speed.
>
> Amen to that!  I think we should be working towards
> improving the standards of driving, and I would be in
> favour of ongoing training after passing the test,
> perhaps even with periodic re-tests.  And further
> training and testing following convictions for driving
> offences.  It would improve everything on the roads, not
> just safety!
>
> Cheers,
>
> Howard Winter
> St.Albans, England
>
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