My two children both at that age for driving. Son 18 passed test, daughter 17 still learning. When getting Insurance quotes from comparison web sites for my son to drive his mother's car as named driver, £2200 plus. Mostly all quotes in that region. So when I tweaked the online forms a little and resubmitted I was attracted to a policy for £1400. Amazing how suddenly I'm now thinking I've got a bargain! Quick chat on phone direct, just to make sure I had given all details correctly, so as to make absolutely sure before I cancelled wife's renewal. Done that before, having told existing Insurer I had found cheaper Insurance only to find out later I hadn't. Grovelling phone call back by me to annoyed Insurer, asking if he could renew it after all!

Anyway, I took out this policy and paid £1400 on card and duly got documents in post, fantastic, what more could you want. However looking through all bumph, it appears that this Insurance is via a 'Broker' and is with Aviva. No problem with that, but they had mistakenly included the 'price' the Broker pays Aviva for this policy' £700..........half what I was paying the Broker, a 100% mark up.

My rambling point being,,,,,,,,,,,,,,,,,Is this Insurance market being talked up by the said Industry, making out all sorts of horror stories justifying these ridiculous prices.

The fact motor Insurance is compulsory, with new legislation this week making insurance continuous - so no excuse for not having any, with the full weight of the law imposing it................surely costs should be coming down.

If 100% margins are anything to go by from my example, the industries argument for blaming ever increasing compensation claims on costs, is in my view, pushing it!