Matthew's Journal

I am probably an averagely skilled driver, and I would think an accident per 1000 miles dreadful. I had a car accident between 8 and 10 years ago when I neatly slid the car off the road on a bit of black ice, doing about £10 of damage. (Then the towing company did several hundred pounds worth of damage dragging it out over a concrete drain emplacement. No, we didn't have the energy to take them to court.)

Still, my annual driving has varied between 6000 and 12000 miles (more often over 10k), so that would be one accident in the last 72,000 miles, or perhaps much more - and I am sure that I am not the best driver around by a long chalk. The risk over a few tens of miles should, statistically, be too small to regard as a problem, UNLESS the loss of £500 would be a major disaster.