interesting thoughts...?
I really feel for you on this one.
I did a spot of Googling, as is my want, and amongst others, came across the article above.
I find the article interesting, as I said in the link title, but the comments are far more worrying...
Perhaps you had better not read them. They depress me.
When my Father stopped driving at aged 80 (RAC/Axa (with whom he had been for a good number of years), raised his premium to just above 18 year old levels...) he picked up a bus pass, and almost wore it out... He was better off financially, but was restricted in some of his activities as a result of the vagaries of the privatised public transport system.
There is a review of the motor insurance industry in the pipeline, but, as with the banking fiasco, don't hold your breath. If you try to fight it, you will perhaps become stressed and angry. That will not help. Find a way to make it work for you, and keep walking ...!!!
Regards