That's a reasonable question,
We're told the roads & cars have got safer and, if there are more accidents, there are also more drivers to buy policies. I reckon older driver's insurance has probably got cheaper in real terms, so we wouldn't be spreading the risk as evenly - which is kinda the point of insurance. The emergence of "no win, no fee" lawyers will certainly have added a layer of cost that wasn't there when most of us had to accept what the insurers offered and be grateful.
Read my rant elsewhere about this...but it's soft old Britain allowing all and sundry to come here and play the system with foreign cars that aren't MoT'ed, taxed or insured for use on our roads....try driving an artic the wrong way down a motorway slip road in Krakow and see what happens to you...certainly harder than the treatment metered out here by our justice system.
(I say "here" and "our" as if I still was, but I'm not)
On a more on topic note, I can't see why a Mini shouldn't be as reliable as any other little car that uses a tractor engine for power and where someone couldn't find anywhere nice for the gearbox so they threw it all in the sump.
Edited by Captain Mainwaring, 27 July 2013 - 09:19 AM.