The cost of insurance being loaded dependent on risk factors (age, gender, location etc.) has been around as long as I have been driving, but the actual amount we all have to pay now has increased significantly due to the claims culture that has gripped this country
20 years ago my uncle offered to give me his, borderline MOT pass, beast of a Rover (anyone remember the SD1?). So, as a 17 year old, just passed his test, I went to my local insurance broker (this was pre Merekats/opera singers) for a TPFT quote. £500 was the answer. Now, with inflation, I would suggest that it would still be sub £2k in todays money. Unfortunately, in the last 20 years everyone has been encouraged to make a claim over and above the cost/inconvenience suffered (I'm guessing we have all had the unsolicited phonecall asking "have you had an accident in the last 3 years that wasn't your fault ?"
So next time you meet someone who has made a "whiplash" claim, or had an expensive holiday due to "subsiquent effects" of an accident, remember to thank them for the fact that many young drivers are priced completely out of running a car due to their erroneous claims.
Before I am shot down by a barrage of people who have genuinely been injured/lost earnings etc. I have no issue with genuine compensation, and in fact beleive it is an essential part of the whole process, but the reality is that the majority of claims are made by people for no other reason than the bloke off The Bill told them they could get some free money.