I think it's been shown people that crash a lot & settle cash tend to buy TPO & TPFT polices. So the risk is classed as higher because they might be a more dangerous driver.
I'm not arguing if it's right or wrong, but there is a logic there around people having lots of crashes are more likely to have a big one at some point.
Likely that if you cut the statistics carefully enough this factor will be a red X.
Also why I over estimate the value of any car I am insuring.
If it is worth Jack shit you'll. Be less careful right?
A few years back I did a few quotes with different values and different miles
Probably 1000 quid verses 2500 and 6000 verses 12000.
There was a hot spot where at £2k and 10k miles it was cheapest. ONLY by 15%
PEOPLE who do low miles might crash more?
I then moved to the voluntary excess. I found that the premium barely moved with an excess decreased from 800 to 250, but below 200 it jumped by 15%.
Anyway daughter informs me that her current provider is quoting 900 squid. AND that is acceptable. She has removed me from the policy and added my wife. Who has no points unlike dickhead.