MSE News: Car insurance premiums too high, competition watchdog says

Pincher

I wish the supermarkets would start renting cars.

Literally a shopping trolley with molded seats that you can wash by hosing it down. Limit it to 30 miles per hour. 20 mile range battery with inductive floor charging , so you just park and it's charging. Electric, tracker, multiple embedded webcams to record accidents and vandalism.

Issue a special version of ClubCard credit card, insert/wave to activate car. You have to sign a contract authorising deductions for damages. The customer can pay for damamge waiver, but obviously there has to be third party cover regardless. Charge by 10 minute slots. Reward good driving with free minutes. Off peak pricing to encourage late night shopping to spread load.

If I spent £10 a week on this, that's about £500 a year.
It's a no brainer.

If I needed to go on a longer trip, I would rent a normal car.

This gives the supermarket total control over the costs, both maintenance and repairs. The insurance side can even generate a surplus.