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I Hate Car Insurance


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#31 Hyrule

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Posted 19 February 2014 - 01:58 PM

This.

Even though 2012 saw new eu rules that said insurance companies were no longer aloud to give women cheaper car insurance based on their reproductive system as that would be sexist, women still today get cheaper insurance than men. Adding a female named driver despite previous claims can actually lower your insurance rather than increase it.

I use my mum for this exact reason, named driver! It makes a huge difference

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Aye second that, my mum is on as second driver on my car, even though she is banned from driving the Focus. Policy was £60 cheaper with her on it. Go figure.



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#32 VickiW

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Posted 19 February 2014 - 03:26 PM

If insurance companies were regulated half ye wouldn't be on the road & half the companies wouldn't excist. ....its dog eat dog out there boys!!!!!

#33 jeebowhite

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Posted 19 February 2014 - 03:48 PM

S'alrite for you and your cheap prices over there in the land of Guinness :P

 

us mere mortals over here in the tax chuffed UK end up being hand stuffed like a turkey :P



#34 VickiW

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Posted 19 February 2014 - 05:01 PM

Lol poor jeebs. ...grow a set of (.) (.) Or for walk in brokers ( . ) ( . ) lol
& for the record our politicians & banks spit roast us..they told everyone to get new cars with lower emissions then they doubled the road tax a year later

#35 Lenny

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Posted 19 February 2014 - 06:01 PM

:rolleyes:

#36 Jroberts

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Posted 19 February 2014 - 07:27 PM

Well I'm 22, I passed in August of 2013 and I was driving a R reg 1.2 Corsa breeze which was £115 per month but...That got wrote off after the first month, insurance said it was my fault, Now am driving this R reg 1.6 Zetec'd Escort and it's £223 per month, Was gonna get an Adam Jam 1.2 from new but asked my insurance how much it would cost to insure that monthly...They said £223 per month, So obviously numbers indeed, How can they insure me in a 1.6 the same as they could in a 1.2, My Escort has double the horsepower!



#37 mixmasterlooney

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Posted 19 February 2014 - 08:30 PM

I wonder if it would be considered insurance fraud to have a S3X change whilst changing nothing but your title :lol: whats the law on that.

In the modern world a trans gender can have opposite parts to what they are, how does that work???

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#38 luke.grimbley

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Posted 19 February 2014 - 09:27 PM

I was £700 paying monthly at 20 years old and 2 years NCD. Thought that wasn't too bad for a 2.0 pertol, business use, 15k a year and parked on a drive way. Especially the amount of stolen cars in Aberdeen in the past year or so.

 

That's with my Mum and my Partner as named drivers too.

 

It's all a con because it's compulsory so we all need it, they have us by the balls because there are no regulations on pricing. I think there should be official limits into what they can charge us.



#39 Hyrule

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Posted 20 February 2014 - 12:48 AM

The lack of regulation is also a big reason why there are so many uninsured drivers. It's ironic, you cannot get a VED disc without a valid MOT. But neither checks for valid insurance?

 

With my previous car 1.8 Golf Mk3, 1996, admiral tried to increase my premium on renewal from a respectable £500 p/a to nearly £800. No accidents, almost 3 years NCB. I put my details in on their website and a new quote came out at £400. I phoned to cancel, explained why, they dropped the renewal to £400 as gesture of goodwill. I was like !Removed! cheek.



#40 iamspeed

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Posted 20 February 2014 - 05:25 AM

So, car insurance due renewal - my company wanted over £700!

 

Stuff that!

 

Did a bit of searching and found a policy for just over £400, and I hate it! I'm 25! I was hoping for a darned site lower than this by now... I am even willing to remove my modifications just to keep the price at rock bottom!

 

Keeping them on there would cost me £700+ and that was outside of the insurer I currently use, and with Adrian Flux with my members discount :(

Click here, I know yepmarket provides online quotes for someone who are 25. Haven't used them since I am old enough but hopefully it'll help you somehow.



#41 BigD

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Posted 20 February 2014 - 11:42 AM

Just had the renewal through for my stepdaughter's 'ped insurance (she's 17 now).  Last year, when she was 16, the insurance was £30/month.  This year, £26/month!  Expected it to drop way more than that with a year's NCB.

 

So I went to GoCompare, got last years quote, revised it with 1 year's NCB, guess what?  Cheapest quote was £16/month - with the same insurer!

 

If that's not a scam then I don't know what is.  How many folks would just let it renew automatically cos they can't be bothered of going through the hassle of setting up a new policy elsewhere?



#42 jeebowhite

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Posted 20 February 2014 - 01:08 PM

Lol poor jeebs. ...grow a set of (.) (.) Or for walk in brokers ( . ) ( . ) lol
& for the record our politicians & banks spit roast us..they told everyone to get new cars with lower emissions then they doubled the road tax a year later

I shall start looking through yellow pages for the nearest street pharmacist and see if he can provide m with the appropriate steroids? as for the government, well, they are all the same really!

 

I wonder if it would be considered insurance fraud to have a S3X change whilst changing nothing but your title :lol: whats the law on that.

In the modern world a trans gender can have opposite parts to what they are, how does that work???

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To be fair, you can recognise yourself as a woman. marginely off topic yet not - there was a young woman who was on "The Voice" recently by the name of James, recognised herself as a woman, but of course all else was that of her natural birth gender. To be fair, I cant see how the insurers or any other party could argue this with you without taking it to court?!

 

Click here, I know yepmarket provides online quotes for someone who are 25. Haven't used them since I am old enough but hopefully it'll help you somehow.

Sadly I am of that age now where I wouldnt be able to benefit from their specialist "under 25" offer... :( Perhaps I should have resigned myself to never aging from the age of 24, perhaps I would have gotten away with it!

 

Just had the renewal through for my stepdaughter's 'ped insurance (she's 17 now).  Last year, when she was 16, the insurance was £30/month.  This year, £26/month!  Expected it to drop way more than that with a year's NCB.

 

So I went to GoCompare, got last years quote, revised it with 1 year's NCB, guess what?  Cheapest quote was £16/month - with the same insurer!

 

If that's not a scam then I don't know what is.  How many folks would just let it renew automatically cos they can't be bothered of going through the hassle of setting up a new policy elsewhere?

It really is a taking the mick excercise! I dont know how its even regulated, but half the time I am sure it isnt.

 

As far as I am concerned, I believe that ALL insurance quotes should have a breakdown at the end of the quote of the following nature - this would make more trust for the public and would make it harder for them to take the mick!

 


Total Cost: £1000

Breakdown - 

 

£100 - Insurance Tax

£50 - our "Fine" for accident in the last 5 years

£500 - Cost of this particular vehicle to be insured

£300 - Driver Risk - Aged 18 with no NCB (this should be a slider so that your age combined with your NCB should take the cost down as far as I am concerned!)

£50 - Service fee's

 

Then when you go for renewal, you might get a different quote:

 


Total Cost: £880

Breakdown - 

 

£100 - Insurance Tax

£30 - our "Fine" for accident in the last 5 years

£400 - our Cost of this particular vehicle to be insured

£300 - Driver Risk - Aged 18 with no NCB (this should be a slider so that
your age combined with your NCB should take the cost down as far as I am
concerned!)

£50 - Service fee's

 

Clearly you see there is a difference as to why you are bent over and you can decide who you want to go to based on their service offerings as well as the breakdown.

 

I personally believe that the insurance market needs to be made more transparent as many other sectors are being forced, and something like this is essential to allow it!



#43 jeebowhite

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Posted 14 March 2014 - 01:42 PM

Car insurance upped for the mondeo, oddly AF are charging me another £256 for the privelage, still makes it just under £660 for the year, which is much cheaper than my renewals, although I am a tad disappointed! I didnt expect it to go up by much but thats over 50% :(



#44 ed12

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Posted 14 March 2014 - 05:57 PM

My renewal was £3272.18, 10 mins on the phone and it was down to £828.50. Ridiculous.



#45 kristriple

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Posted 15 March 2014 - 12:26 AM

I'm 28, the missus is 32. £267 for a year on the Evo fq-330 we pick up at the end of the month. There is £10 difference between it and the Mondeo 2.5T we have. Makes no sense. They charge whatever the feel like.

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