I AM just negotiating another year's car insurance and again it is increased although I have made no claims.

Oh, if only I had the nerve to risk not renewing this as millions of people are doing.

Every car that is pulled up for whatever offence seems to have no insurance.

I wonder if this is why I and other people who obey the law are paying so much?

Thinking how we can stop this lawlessness it came to me that the only way we can get at the lawbreakers is through petrol.

All cars could have free insurance and even free road tax paid for in the price of petrol.

I shudder to think what the price of petrol would be, but it would be a true cost of motoring everybody paying the same amount.

It wouldn't take a rocket scientist to work out the details.

G PARKER, Accrington Road, Blackburn.