the more people claiming over nothing, the higher premiums are going to be in general, thats why we pay so much for insurance, its a claim state, everyone claims for everything, sues everyone for everything, no win no fee and all that bollocks. its an american thing thats taken off over here. if claiming for nothing didnt push up premiums then we'd all be paying £1 for our insurance, as the companies wouldnt ever have to pay out for anything except genuine claims, which are obviously far less than total claims made, due to people doing as you've suggested, and saying they have whiplash etc when they actually done. its the way of the world i know what you were trying to say though, just came out wrong. either way it is annoying seeing people suggest that when we have to pay so much for insurance