My father was born in 1909 and drove a car from the age of 15 until he was 90.
As long as I knew him, and that was 55 years, I can remember every year when his insurance renewal would arrive in the post that he was in horror at the cost.
My father was the mildest and quietest of men.
In all his years driving he had only once made an insurance claim on his policy and that was the result of a small accident I had while driving his car.
It means the insurance company made a good profit on my father over a long life.
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