> Maybe I'm just bitter. I paid £900 for a moped. When it was stolen, they 
> gave me £25. Later I paid $1,200 for a car. When it was crashed, they gave 
> me £75.

You didn't haggle with them?  They *always* offer a ridiculously small 
amount to start with, after you complain a few times that your bike/car was 
worth way more than that with some evidence (eg print-outs and newspaper 
cut-outs) they give you *a lot* more.  They are meant to give you an amount 
necessary to replace the item that was stolen/written off, it's up to you to 
prove to them how much you need for that.

> I mean, seriously, it was *so* worth paying £700 per year in insurance 
> premiums for that.

Your 700 per year is because you are more likely (as a young male) to smash 
into someones $100k Audi or BMW (or force the driver to need years of 
medical care), not because your car might get stolen or you crash it.

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