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People the answer to all of this and how to hurt the insurance industry is simple.

Stop paying for car insurance.... The number of police officers is decreasing so your less likely to get caught on the roads without insurance and even if you do get caught soon there won't be any courts open, solicitors or barristers in them to try and put you in one of the country's over populated prisons. Plus if you crash into someone its not worth their bother putting a claim in because they won't be getting paid out if they get hurt anyway and they've been hit by an uninsured driver so their claim for vehicle damage goes against the MIB anyway

So it sticks it to the insurers and nothing can happen to you anyway.

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