i think old people, and chavs cause the most/worst accidents... usually when because of each other...
old people drive annoyingly slow, and have even slower reactions, and chavs generally drive annoying fast and have no reactions, or comon sense.
like this morning, i was just about to turn out onto normal-ish road (its blind from one way), not a main road or anything, and theres this old lady driving a nissan micra (why do they all drive micra's?)... at about 20mph in a 40mph zone, when this retard in a clapped out fiesta over took round a bollard onto my side of the road (had i pulled out), and past the micra and back in again, before the other bollard. if i'd pulled out 3 seconds sooner, i wouldn't have had much of a bravo anymore, and he'd probably be dead cos his car was that rusty, and the old lady probably wouldnt have noticed a thing.
and last night, i was following another car that was doing 30mph at the most, on a 60mph road, was driving all over the place (it went over the white line about 20 times in 4 miles, and nearly into the hedges when there was no lines at all), nearly had 4 head on crashes... stopped dead at a totally empty roundabout, nearly drove into the roundabout aswell, and nearly cut me up on another roundabout. got no idea who or how old the driver was, but s/he was either drunk, old, or tired.
but after saying all that statistically women have more accidents, but they're things like parking accidents and shunts, where as men generally hit stuff alot harder, and faster.
and young people foot the bill.
i skipped that phase tho, i was on my dads insurance till i was 21, then i was paying about £500 a year, now i'm paying £300 (i'm 24 now)
but my girlfriend, 18, driving just under a year, and driving a 1.0 12v Corsa, worth £1400 max, is paying £1250 a year fully comp.
i think you should get your money back if you dont crash.
oh and after all that, i vote for holiday makers!
where i live, the locals can manage all winter without a fatal or major accident on our little (but busy) stretch of road, which is almost stright (no corners you cant take at 60mph), and its got 4 juntions and a 2 roundabouts either end (5 miles), yet in the summer we get a major crash on the straight bits, every week, and a fatal crash on the junction every month! and its never locals that cause them! and i cant figugre out why? how hard is it to drive on a straight road?