Insurance puzzles

I am at the venerable age of 75 years, and in possession of a valid driving licence. I am still 100 per cent medically fit, thank God.

As the car licence is due to expire, I went to renew my car insurance and was asked for a medical certificate.

On pointing out that I was insuring my car and not myself, and that I am in possession of a valid driving licence, I was told thatmy car cannot be insured unless I produce a medical certificate.

I was also informed that alternatively I could insure my car on condition that I will not drive it myself. I chose the latter alternative.

Now the absurdity of all this is that: I now can drive any other car and the car will still be covered by the car insurance even though I did not produce my medical certificate. The only car that I cannot drive is my own car, for which I am paying the insurance.

Looking at it from another angle, now everybody can drive my car, even those who are over 75 years and who do not have the medical certificate for the current year so long as they have a driving licence. Only I cannot drive my own car because I do not have the medical certificate.

The funny thing is that my wife is in the same predicament. We both pay the car insurance but if I drive my wife's car I will be insured but if she drives her car she is not insured.

Similarly, if my wife drives my car she is insured but if she drives her car she is not insured.

Perhaps somebody can explain to me the logic of all this.