Ceri Mate,
I think they just make the rules up as they go along.
Ask yourself this question, where do they get these rediculous overpriced figures from for insurance?
Someone must make this figure up from somewhere, but where? and how?
Considering that prices vary from one company to the next, what does the governing body or regulators think or do?
It's all me **** anyway, they'll add a tenner onto the price as soon as theh hear your accent, or your postcode, or the fact that Liverpool got through to the Champions League final, and they're a Man U fan???
Take it on the chin mate