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@Geoff Jennington - the reason we need to pay premiums is to allow the insurers to make profits ... ? Contrary to what the insurance industry might think a policy of insurance is not a one way valve. Money has to flow out as well as in.

@Annonyous 06/05/201 at 2:09pm - I've said for ages that we should nationalise motor insurance. Clearly the insurers don't like the market they operate in so they can leave it. As you rightly point out, the infrastructure is in place. Build the cost of insurance into the price of petrol. Those who drive more, pay more. Any "surplus" of premiums at the end of the year can be reinvested in the road network.