1.   C Ingle, Ilford Friends and colleagues, most of you I expect are experiencing heavy increases in house and car insurance.

2.   Car insurance is compulsory.

3.   My car insurance only has another month to run.

4.   On my car insurance I pay an extra premium for what is called no claim discount protection.

5.   They wanted to charge me a whole lot of money just to change my car insurance.

6.   Where statutory cover is involved, such as for car insurance, any claims would be met in full.

7.   House and car insurance, plus insuring mortgages for lenders, were the main reasons for the losses, the company said yesterday.

8.   Friends and colleagues, most of you I expect are experiencing heavy increases in house and car insurance.

9.   And teen-agers are the ones when they start driving you have extra car insurance.

10.   At present, governments do not compensate people who pay more for health insurance because they smoke, or for car insurance because they are young.