this post was submitted on 10 Jul 2023
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Here in Germany your insurance fee goes down every year you donβt cause an accident. But if you cause an accident it will go up again.
Yeah we have thst in the UK but im not aware of the amount thar it has contributed to reducing colissions and deaths.
People can have crashes and avoid increasing their insurance by not informing the insurer and working our the costs between the two people involved in the accident.
I was hit by someone speeding out of a side road once and they didnt have insurance as it was a company car that belonged to their dad.
I didnt claim as the damage to my car was minimal and the car was a 15 year old POS anyway. I just kept it running until it died of natural causes and kept my lower insurance cost safe :)