simon...sure you havent got a vested interest in insurance? one thing ive found out is nearly all forums are infiltrated by the politically correct control brigade...even the david icke forum
Go read some of my other posts - you'll find that I'm no fan of (most) insurance companies and some of their policies. So don't try and shift your paranoia onto other people by accusing them of being shills.
Frankly, if you write off your car, get screwed over because you lied
to fraudulently get insurance, and get a criminal record for fraud and driving without insurance - I don't give a damn. That, as you point out, is up to you.
However, where I really REALLY
care is when tossers with your attitude go out on the road and damage other people's property, or worse, injure or kill other innocent people and don't have any insurance - that leaves the victims stuffed and reliant on the MIB, and it puts the costs on to those of us that do obey the law.
As I say, it's the law, has been since early last century, and isn't going to change to suit selfish b***ards like you. I'd have a very special place for people caught driving without insurance (and it wouldn't be a smack on the wrist and a poxy fine that's a small fraction of what insurance would have cost), but sadly it wouldn't get past human rights limitations
In fact, selfish b***ards like you shouldn't even be on the road, but unfortunately there's no test for that.
As an aside, a friend who's been working in London for a while says he's seen a couple of roadside checks where they have been pulling people over with no insurance. Rather than the normal process, they've been given the opportunity to show that they have insurance (you have to allow for 'foibles' in the system and genuine errors*), and if they couldn't show that, then they got to take their possessions out of the car and watch while it went into the crusher at the side of the road. Some of these cars weren't £200 bangers, they were like £20+k cars - ouch
A high profile way to make a statement.
* A colleague at work has a story of such a genuine error. His father had several cars, and when he sold one, he rang the insurance company to cancel the policy on it. However, the insurance company cancelled the wrong one ... Roll forwards a few months, his sister was pulled up as the car was flagged as uninsured. So despite having paid the premium, got a certificate etc, the car was technically uninsured - and even though the insurance company admitted straight away that it was their error, it took a couple of years to sort out and get the convictions quashed etc.