Ok, here is a theory -
 
 Number of claims increase as people try to claim after having a track day spill.
 Insurance companies don't want to pay out, but are forced to due to the loophole.
 Who suffers at the end of the day? The insurance company?, i don't think so. 
 Premiums increase across the board for all bike riders.
 
 So, who is suffering?
 
 This is just a theory, i never claimed it was a good one....
 
 [Edited on 25-5-2004 by MarkyMark76]