I was once told to pay for a radiator after a bump, because they wear out! Since when did modern cars' radiators need repair in 200,000 miles?

The answer to that is frequently. Modern radiators are made of Aluminium with pressed on plastic ends and even if the road salt does not eat away the aluminium core during the winter the frequent heating and cooling will eventually harden the plastic and the inevitable will happen. That is why there are a large number of specialists selling radiators on the internet. Luckily the prices are low and the quality good even for non OEM parts.

As for insurance prices and a second driver who knows why prices are affected. But its perfectly normal for the addition of a second driver with a clean record to reduce the price even if the main driver has a clean record. Add a second (and preferably a third driver) to an 18 year olds policy and the price tumbles. Add grandma and grandad as well and they would probably be paying you.

Motor insurance seems to be one of the worst examples of SCS - Stupid Computer Syndrome. In April SWMBO changed from a Group 15 Audi A1 to a Group 29 A3 convertible, and the premium went down (this is with Send All Grannies Away). I suspect that the computer software was too thick just to change it, so she was insured as a new client.

All one can do is be glad when it works in one's own favour, and shop around when it doesn't.