How does the quality of your driving affect your car insurance claim? On the roads it often becomes apparent that we are not equal – perhaps so when reflecting on Human Rights – but not so when it comes to driving ability!!

Fortunately for many vehicle owners the car insurers do not drive with them before issuing a car insurance policy. All that the car insurers have available to them is information as to driving experience, previous accident record and insight with regards to traffic violations. Much of these have to be disclosed by the vehicle owner and there is no measure of “Are you a good driver?”

We would like to reflect on the above question by referring to a decision from the Ombudsman. The que

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