After a year of affordable car insurance, I knew I had to be in for it when my premium came up for renewal. Nothing prepared me, however, for the quote that came through from Aviva, who I am thinking of re-naming Amorta, or Adversa, which just sounds more appropriate.

You may recall that after I won my personal injury dispute with no liability or fault on my record after three years of fighting, I was refunded thousands of the sky-high premiums Aviva had been charging me while the case was going on — because, naturally, they had to assume I was...