My pet theory about car insurance. The companies ask so many questions before they issue, if, maybe in innocence, you answer one of the incorrectly (like mixing upkeeping the car on a drive or in a garage) then, if you make a claim and they find out, they wont pay out. To my mind it is therefore in their interest for you to tell lies or make mistaked, they then collect the premiums with no risk attached. To hell with the honest potential customer, we would rather have a load of villans who pay the premiums just so as to get the cover note Mike