For over forty years insurance companies have sold car insurance that in many is too expensive to use when you need it. The reason for this is a bonus system that without a doubt favours the insurance companies.
If Insurance wanted to change this by limiting the amount of bonus you can lose when you’ve had an accident. They also wanted to be clear about the fact that something had been wrong.
The solution turned out to be a an old and dusty form that every driver has in the glove compartment.