only the UK insurance industry isn't ripping people off; it's a very competitive commercial market with relatively small margins.

Sounds like somebody who works in said industry.

Hardly competitive when almost every insurer is owned by a tiny handful of banks just under different names.

If the margins are that tight why is every other advert on TV for car insurance?

Manged to resolved the problem temporarily. Can't insure him on his mothers car as Happy Pink's Juke is going back shortly and an Evoque is arriving (no chance mate!).

He's not getting behind the wheel of my Merc (it's almost too fast for me!) and the Captur is finally going to the member of staff it was destined for after son passed his test.

So.....

Grandpa's car is a five year old 1.3 Sirion auto. Grandpa lives for nine or ten month of the year overseas and the car is insured on the company fleet policy. Adding son onto the fleet policy for this one car will cost less than £800pa and an excess of £300 over the current excess. Not sure how this will affect his future NCB, but for the time being gets him mobile and in a car that has little street cred and not too fast. Also saves buying a car for him.

It is bizarre that yesterday morning he could drive the Captur with his mother by his side but in the afternoon he couldn't, even though he had passed his test in between.

Gents

I can only assume that most of us are unfortunately too well aware of the almost uniquely UK "claimits/whiplas***is" culture as the result (or not even, but claim anyway) any RTC.

I understand if 85% of UK collisions result in an (inflated) PI claim.

Only 15% of french RTC's result in any PI claim

The almost exact "morror" image, from figs I saw somewhere.

This HAS to be paid for.

Sorry folks