Val 2, having just gone through the stress of the 2007 French Health reforms, I didn't have the Ooomph left in me to do battle with insurance companies. I do agree it's not fair that I am perceived to be more of a risk. That's the differance between the two countries. One insures the car, the other the driver(s) RH, I didn't have insurance in my own right, just a named driver on the OH's UK policy. I did get some no claims bonus, but tbh I can't remember how much. Things became more complicated because I had just returned to the UK, and wasn't working.