Why dont we get a refund from car insurance companys when we dont make a claim?

 

 

i pay more for car insurance than i do for house insurance yet my car is worth a fraction of ££££££ to my house ????

 

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SOURCE: http://www.insurelabs.com/forums/topic/why-dont-we-get-a-refund-from-car-insurance-companys-when-we-dont-make-a-claim/