>> Obviously I no longer have the letter any more, but it basically said 
>> "as per our contract, we owe you £25, here's your cheque".
> 
> Was it insured 3rd party or fully comp?

I don't remember.

>> I'm not disputing the logic of your claim. I'm just saying it seems 
>> rather unjust that I have to financially cripple myself
> 
> 700 pounds a year, financially cripple?

When you have £0/year income, it's quite a lot of money...

> It's just unlucky that you (and me) were/are young males, we get charged 
> a shed load for car insurance whether we like it or not, purely because 
> other young males have lots of accidents.

Yeah, that's about it really.

> Besides, after 4 or 5 years 
> accident free your insurance should be down to just a couple of hundred 
> pounds, but don't tell me you just pay up when the insurance company 
> sends the renewal notice and don't shop around?

I think it's something like £500/year now - but I have a lot more money 
to pay it with, so it doesn't seem like so much any more.

> And by the way, nobody is forcing you to run a car, if you moved closer 
> to work, or found a job closer to home you wouldn't need one.  How much 
> would you save?

Hey, nobody's forcing me to work. I could go live in jail. Then all the 
honest, hard-working people pay to feed and clothe me. And I'm *sure* I 
could find somebody in there who fancies me... ;-)

-- 
http://blog.orphi.me.uk/
http://www.zazzle.com/MathematicalOrchid*

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