Crime and punishment.
Some underwriters used to take a tough moral stance on convicted drivers. Andrew Newman says the market is now very different.
The ease with which motor brokers and insurers accommodate convictedmotorists nowadays raises the old question of deterrents. Enthusiastic
welcome has more to do with customer care techniques than any suggestion
of condoning errant driving behaviour. Convicted drivers are rarely, if
ever, written in isolation and the niche is usually part of a balanced
non-standard account.
There was a time when some motor underwriters genuinely believed that
making a personal moral judgement on the conviction
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