I learned when the economy was crashing insurance companies were tied in with banks eg if you ask for a loan of quantity the reason you have to wait for acceptance is because they have to clear it with the insurance companies hence how I knew .
certain banks were going down when Lehman insurance failed.
If you with draw a lot if money you have to wait given a few days notice as well it then gets reported back to 10 Dowing St.
https://en.m.wikipedia.org/wiki/Lehman_BrothersI personally think it should be made law for advanced driving that and a black box be fitted to youngesters cars that have passed
which brings down insurance and monitors their driving which would show the men from the boys.