Sorry to say this but a couple of years ago my Pakistan agent's son, who was a student in Luton at that time, telephoned me to ask my opinion on him and three pals jointly buying an old BMW 3 series to get to and from college. Having warned him that they would be buying an absolute money-pit in expense for repairs and maintenance I got onto the subject of insurance. The lad was dumbfounded; he had no idea that insurance is required in the UK or how much it was likely to cost four students. I assured him that he would be unlikely to get very far without being stopped by an ANPR car and in any case the consequences of an uninsured accident or injury were too terrible to contemplate. In his own country, he told me, most people had faith that they would complete the journey without incident and if anything happened after a roadside negotiation cash would change hands and the matter would be finished.