Most write-offs with no TP involved occour between 01:30 and 04:00 and hence there is a concern from insurers. Some insurers apply higher excess's for this time. The future of motor insurance will be based on driving type by some instrument so we had better get used to it.
If that is truth then they better start making insurance compulsory, and not having it will have to be a criminal offence, else we will end up with more uninsured vehicles on the road IMHO.