Yes
My observations as well.
I think most insurance companies are too quick to write off cars as its easier and no comebacks. The policyholders simply pick up the increased costs. Direct line is probably no differant.
Motability employ over a 1000 staff and as you say , all the increases must be paid from somewhere. I would expect the majority of their staff are on or near minimum wage. That in addition to Direct Line Staff, garage mechanics and staff, Kwik fit staff, RAC staff and all the items and services they purchase from othsr compqnies.
Not sure everyone were awarecof the implications of increasing the minimum wage, plus associated increased employer pension contributions and national insurance. It actually increases the cost of every service and every item we purchase.