Another thing affecting insurance prices, and probably more so than uninsured drivers and personal injury claims, is that cars are just so damn expensive to repair now. A few years back a bumper was £300, a spray job £200, a light cluster £400. Now the bumper costs £2000 because it has parking sensors, the paint alone costs £800 to buy, and a bi-xenon headlight with fancy LEDs in it is the best part of £1000. That just adds up so, so quickly.