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lynx
@NurseHolliday
There used to be a guy on PistonHeads called LoonR1 who was one of the authorities on car insurance, can't remember his exact credentials, but they were sound.
He always used to bang on about how the car insurance industry is losing money hand over fist, it's basically supported by the fact underwriters usually underwrite more than one type of insurance, so all the profits from other insurance support the losses from car insurance.
He suggested this was why individual customers feel fucked over every renewal because the industry feels it has to try and get every last penny out of consumers to reduce their massive losses.
I don't think he had any suggestions on how to improve it.