In this episode of the Backseat Driver podcast, we tackle the rising concern of escalating insurance premiums with the help of returning guest Tim Kelly, a renowned motor claims expert. Tim breaks down the key factors driving these soaring costs, revealing that they stem not just from increased claims but also from broader economic instability and regulatory shifts. He explains how insurance companies have traditionally relied on investment returns to offset premium costs, but with diminishing returns, policyholders are now bearing the brunt of the shortfall.

Our discussion also examines the impact of legislative changes, such as The Jackson Reforms, which have unintentionally made it harder for legitimate claims to be processed, further driving up premiums. Through this deep dive into the complexities of the insurance landscape, we aim to provide listeners with a clearer understanding of the forces shaping the industry and what these changes mean for everyday drivers.

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