So basically, because i'm at home, If I stare at the car hard enough it may combust which may make me a higher risk, Or, Because I may be at home drinking a cup of tea and my Kinetic powers will drive the car down the road on 2 wheels, take out a pushchair and several cars and a few buildings on the way!
The only reason the government aren't penalising insurers is because the insurers pay the Gov a lot of under the table expenses in return. Same goes for Pharmaceutical companies.
I've hardly used the car at all, I live in a Hamlet, the pub is 800 yards down the road, next door to the greengrocers, up from that is a local Seat garage who repair any kind of car, It's practically self sufficient around here, I only use the GTV for pleasure, probably covering less than 4k in miles per year!!!
Yet my insurance with Flux was £767 per year with 8000 max miles, TPFT, The same policy the year before was £1250 but I was happy to pay it considering it was a british company,