Grey vandals on the rampage.

Accidents, fraud or young vandals aren’t the only threats motor insurers need to worry about.

Pensioners – perhaps disgruntled by the credit crunch eating away at their savings – could become the next menace.

Recently, a 76-year-old was caught “keying” a Triumph Dolomite in Hunstanton, Norfolk.

It seems knife-wielding hoodies emboldened by alcohol could be supplanted by flat-capped pensioners armed with walking sticks and fuelled by PG Tips.

A cautionary tale for those who automatically blame youths for crime.