WHY DO CAR INSURANCE COMPANIES THINK THEY ARE ABOVE THE LAW

IF YOU GET CAUGHT COMMITTING A MOTORING OFFENCE THE POLICE EITHER PUT YOU THROUGH THE COURTS OR GIVE YOU A FIXED PENALTY TICKET WHERE YOU PAY £60 AND GET 3 POINTS ON YOUR LICENCE THIS I TOTALLY AGREE WITH BUT THE THING I TOTALLY DISAGREE WITH IS THE INSURANCE COMPANIES WHO SEE FIT TO FURTHER PENALISE YOU WHILE THE POINTS ON YOUR PLUS A FURTHER YEAR AFTER YOUR POINTS HAVE BEEN REMOVED FROM YOUR LICENCE. THIS PRACTICE IS TOTALLY AND UTTERLY "AMORAL" IN MY OPINION AS YOU HAVE SERVED YOUR TIME, PAID THE FINE AND BEEN SCREWED BY THE INSURANCE COMPANIES ENOUGH.