With regard to KC's letter, the most charitable thing I can say about motor insurers practices towards drivers is that they are ignorant of the nature of risk and how it arises. I have written several classes of insurance, including motor, over more than 40 years and can say, without hesitation, that some of the best risks have been those I accepted after they had suffered a big claim. This is probably because, regardless to the circumstances of accidents, there is an air of inevitability that things will eventually go wrong in any activity undertaken continuously over a period of years. The older age of a driver is largely irrelevant in the issue of risk, as Saga Insurance has discovered, which is why it targets the over 50s drivers. In any case the practice of loading a premium simply because someone has made one claim has always been contrary to good underwriting practice. The British public are being ripped off by this sharp practice.