well we do get wrecks and i guess saudi arabia has one of the highest rate of road accients.....but the insurance policy is dependent on the owner's driving records and the vehicle records.. i dont have any history of wrecks due to my fault neighter my car was ever wrecked..i bought it brand new from the showroom..
if the vehicle is wrecks.. the annual premium will increase once the car has been repaired and bought back on the road..
and if the driver has a past history of any wreckage due to his fault.. then the driving lisense insurance premium will increase..
therefore as long i dont have any bad records and neither my vehicle does.. i will keep paying the nice $80 annual premium for my vehicle and another $80 annually for my lisence 
Edited by the boss