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Take compulsory 3rd party cover out of the hands of the insurers. Add a levy of say 1/4-1/2p on fuel for 3rd party cover by the state. Every one is covered ( yes I know there are electric cars etc but that can be dealt with similarly), kids will be covered and the more you drive the more you pay. If you want fully comp then you buy a top up from the insurers-simples!

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