allowing individual characteristics of the claimant to be taken int account offers more vulnerable claimants greater protection, for example in nettleship v weston, it would've been unfair to mrs weston to have treated her in the same way as an experienced driver, as she was on her third lesson. however it could be said that there is a policy reason for this. every driver, whether a novice or very experienced driver has some form of insurance cover- so the experience or lack there of, of the driver shouldn't be a reason for an insurance company to not pay out.