> Forget insurance cancellation for the moment.
I believe this whole thing got started because people were worried
about sites being cancelled (as well as the varying definitions of
safety). Since the latter is subjective, I would like to focus on
something that can be more easily analyzed (site retention). Maybe
afterwards we can delve back into the quagmire of what is safe. Since
insurance cancellation will cause site cancellation, I don't think we can
ignore it.
> Uhh, and that would be why they always want to know your commuting
> mileage and your expected annual mileage? No, they DO consider mileage.
It is a self reported number. Time is a much more important factor.
> You DO, OTOH, pay higher RATES for more annual MILEAGE.
It is a factor, but primarily in wide bands of mileage. It is much more
relevant for people who rarely drive (i.e. collector cars) or drive
heavily commercially (e.g., 20-30K miles per year).
I will talk to K&K this week (as I have to do this for some racing events
our club is putting on), and get more detailed information on all of this.
And I'll look into stats for average drivers (non-racers) from the
insurance companies. DOT may compile stats, but I'm more interested
in what insurance companies use to assess rates and cancellation
policies. (BTW, as long as you want to pay enough, there is always
someone who will provide insurance - so site retention really comes
down to costs).
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