I think the way you understand it does carry some weight Stella, I also have that idea in a memory bank somewhere.
I think Paul is right on a few counts, although on my part, it is reading between lines they do have their own formula permutations.
Companies do protect their interests in as many ways as they can, and some are not as genuine as you may think… oh really i hear some shout. Yes, they don’t care about Joe Bloggs, they care about their bottom line. … which basically , is a business with a board room of high earners.
Non insured drivers come from a few backgrounds, the younger but generally good citizens who cannot see the problem with what they are doing, to the blatant flouters of the law who couldnt care less about anyone else. It really is those that need to be targeted, because even when they cause accidents , scrapes, dents, they just drive off anyway. Even if prosecuted, from most you would get nothing.
I would like ( and this is ridiculous i know), an overnight operation, that every car, in every street, car park, road, is number plate scanned…and any that does not have tax is impounded/towed. Then prove their tax and insurance before getting a car back, if they don’t scrap it after 2 months.