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Why not take it further
Why do we require private companies/ the market for insurance in the field of road vehicles ?
What value are they actually providing? What service are they giving the 'consumer'?
Why not abolish their involvement altogether ?
Add a few more pence to the cost of petrol to cover it/ an additional tax on new vehicles
Operate a fixed tariff scheme.
Have an inquisitorial system to assess serious/ catastrophic claims
No need to monitor insurance companies and try to follow their use of off shore paper trails etc . Just regulate them out of the area entirely

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