That inspection policy just changed this spring here in Finland. New cars has first inspection 4 years after buy and after 4 years then its every other year until car is 10 years old, after that inspection is yearly. But i had to take inspection now since wheel alignment paper is valid only 3 months so i just took it now and get on with it.
Here insurance companys dont do anything else other than takes your money if u dont crash
and after crash insuranse is more expensive, since your bonus level drops and insurances costs more.
My bonus level is max 80% so it means i get 80% discount from insurance..