I Hate Car Insurance

[MiltyG565]

Sorry can you explain how homosexuality is a moral issue lol?

You can choose to rip people off, you can't choose to be !Removed! lol so that's not really a question of morals at all...

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It's not a moral issue, but some people regard it as "morally wrong". But you missed the overall point - morals mean nothing. What you think is ok, somebody else thinks is totally immoral.

[Kel-p]

Can this boring going on and on and on thread just go away please admin?

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[alexp999]

Well trying to get this thread back on track, I think I did pretty well having just renewed for only £370 with all mods declared, considering some peoples premiums in this thread.

[jeebowhite]

That is definately a good deal Alex! as for the comments on insurance, well I think they are valid opinions that people raise, so I personally dont mind the thread taking this turn!

I myself have just entered week 7 of being off work post car crash injury! I have had to have 11 sessions of physiotherapy, spent hours a day every day since - keeping the back and neck hot regularly and using a massage ball to try and relieve the pain, on top of that, it has affected my family so directly that their entire routines have been thrown, that is the better result, the worse part is I have two screaming kids who want there dad for cuddles and play, and for 7 weeks, I havent been able to offer it! so I will be asking for compensation, but I expect it only to cover the cost of my losses (£300 so far in fuel and things like car seat replacement etc) that is all i expect that they will cover (even then they probably will knock it down!) if I get offered more for the hell it has caused on me and the family, great I wont say no, but I havent instructed my solicitor to try and squeeze every penny out of the other side!

[MiltyG565]

That is definately a good deal Alex! as for the comments on insurance, well I think they are valid opinions that people raise, so I personally dont mind the thread taking this turn!

I myself have just entered week 7 of being off work post car crash injury! I have had to have 11 sessions of physiotherapy, spent hours a day every day since - keeping the back and neck hot regularly and using a massage ball to try and relieve the pain, on top of that, it has affected my family so directly that their entire routines have been thrown, that is the better result, the worse part is I have two screaming kids who want there dad for cuddles and play, and for 7 weeks, I havent been able to offer it! so I will be asking for compensation, but I expect it only to cover the cost of my losses (£300 so far in fuel and things like car seat replacement etc) that is all i expect that they will cover (even then they probably will knock it down!) if I get offered more for the hell it has caused on me and the family, great I wont say no, but I havent instructed my solicitor to try and squeeze every penny out of the other side!

It's hell, isn't it? Trying to get your life back after something like that. I'm only just getting back on track from surgery I had nearly a year ago. I went from being unable to move my leg at all to walking almost as well as I did a few years ago. Stick with it, mate :) But I digress;

I think you should seek compensation. The accident was clearly substantial, and has caused you to change a lot of things about your life. I don't think anyone would say that you shouldn't seek compensation. My gripe is when somebody is shunted at 5mph and puts in a £2000 claim for whiplash. We all want easy money, but that kind of thing just isn't fair on every other motorist, as it's them who foot the cost.

To be clear - You claim as much as you like, mate, I don't mind paying a little extra because people have made genuine claims :)

[rhys1606]

I wonder if it would be considered insurance fraud to have a S3X change whilst changing nothing but your title 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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i know if you get one of these mumbo jumbo online reverend titles its not illegal a friend done it and took his insurance from £2500 to £1900 (the joys of being young)

[SandyCat]

It may not be illegal but it's misrepresentation and the policy can be void if they found out.

Someone earlier mentioned gender and that women were still getting cheaper insurance than men because it went down when they added a female. This isn't the same thing. A sole male or female taking out a policy where everything else is exactly the same would be quoted the same premium but when you add a driver they look at the relationship and get around the gender rule that way because from a risk point of view someone who has their mother on the policy tends to be seen as a lower risk. It's quite possible this loophole will be closed but for now there is nothing to stop you taking advantage of it.

Insurers are opposed to the gender rule changes because it was not discriminatory at all. It was not done out of favouring women over men but simply because insurance is risk based. This is why they ask your age and occupation and post code etc. Insurers pay out less per claim for females than males so they paid less insurance. It was simple but thanks to gender equality rules females now pay more than they should. The daft thing is there are also laws against age discrimination but this is not being applied to insurance - which is just as well or all the over 25s would all be paying massive premiums to subsidise the young drivers !

[MiltyG565]

It may not be illegal but it's misrepresentation and the policy can be void if they found out.

Someone earlier mentioned gender and that women were still getting cheaper insurance than men because it went down when they added a female. This isn't the same thing. A sole male or female taking out a policy where everything else is exactly the same would be quoted the same premium but when you add a driver they look at the relationship and get around the gender rule that way because from a risk point of view someone who has their mother on the policy tends to be seen as a lower risk. It's quite possible this loophole will be closed but for now there is nothing to stop you taking advantage of it.

Insurers are opposed to the gender rule changes because it was not discriminatory at all. It was not done out of favouring women over men but simply because insurance is risk based. This is why they ask your age and occupation and post code etc. Insurers pay out less per claim for females than males so they paid less insurance. It was simple but thanks to gender equality rules females now pay more than they should. The daft thing is there are also laws against age discrimination but this is not being applied to insurance - which is just as well or all the over 25s would all be paying massive premiums to subsidise the young drivers !

Quite true. But I always thought of it as a pretty crude way to determine risk. I'm 21 and never had an accident. My sister is 24 and never had an accident. The only thing that would indicate that I'm a higher risk is that I'm a male, and going by historic risk categories and stats, I'm more likely to claim. The fact that I haven't claimed in my 4 years of driving so far would indicate that I've paid far more insurance than I really needed to. However, my sister has paid less insurance than me (she's only been driving a couple of years), has less experience than me, and dare I say it, is a worse driver than me.

The thing is - We're all enthusiasts. I think enthusiasts are less likely to crash, because they take pride in their driving and their car. Why aren't things like that taken into account? I think they would make a big difference.

[SandyCat]

Insurers are dealing with many millions of people who drive various types of vehicle all over the country. They cannot possibly distinguish between someone who just uses a car to go a-b and an enthusiast unless you choose to use an insurer that specialises in clubs like this one. They have to use general statistics although modern computers are pretty good at narrowing risk right down. But at the end of the day if insurers had to spend time and money trying to analyse every individual personally when they applied for a quote you would end up paying even more for it!

Insurers give a no-claim bonus of course and this reflects the driving experience but at the end of the day the very nature of insurance is that we all chip in for each other. It's not purely how you are driving yourself. You could be a brilliant driver but if you had a bad day and wrote off a £10,000 car everyone else would have to pay a bit extra to pay for it etc.

It's how the game works. You and your sister may not have claimed but there are many twenty-somethings who have and so that age category is rated accordingly. If it wasn't then older drivers would have to subsidise you which wouldn't go down well and when you get to 50 you wouldn't care to subsidise drivers in their 20s I imagine :)

[ben1191]

I've had quotes of 450 for a 1.4 fiesta no mods parked on a drive at the age of 20 with 1 years ncb and parent as a named driver. Aviva has always beat every quote I've had by a mile.

It's not the same car I know,but even a mk6 1.6 was only 600

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[MiltyG565]

I've had quotes of 450 for a 1.4 fiesta no mods parked on a drive at the age of 20 with 1 years ncb and parent as a named driver. Aviva has always beat every quote I've had by a mile.

It's not the same car I know,but even a mk6 1.6 was only 600

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Funny that about Aviva. That's who my insurance is with.

When I was looking for insurance, I had the prerequisite of "less than £1000", and any insurer who could give me insurance for less than that had my business. Aviva quoted me £950, but we managed to squeeze that down a bit to £895. I was (am) a happy chap :)

[ben1191]

Perhaps the club should do a deal with them.?

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[BeccaaCat]

I've had quotes of 450 for a 1.4 fiesta no mods parked on a drive at the age of 20 with 1 years ncb and parent as a named driver. Aviva has always beat every quote I've had by a mile.

It's not the same car I know,but even a mk6 1.6 was only 600

I'm 18, getting my second years NCB in June and even with 2 years a mk7 1.6 ZS is like £900. Definitely not fair lol.

I'm calling Adrian Flux though as I'm part of two clubs and they specialise in Ford so *hopefully* they'll give me a good deal.

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[jeebowhite]

It would be something worth considering doing a deal with above, sadly I have never been offered a quote less than 500 difference in any policy I have searched for.

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[kingy94]

well..im 20 i have 2 years NCB and drive a 2006 fiesta st and insurance for me is only £660 with elephant which i think is quite good! ive heard adrian flux are one of the cheapest but for me they was one of the most expensive!

[arnosvale]

A bit late to the post but I have just bought a 1.6 focus Ghia on a 53 plate. My prevoius car was an S type 3.0V6 Jaguar. I transfered my insurance to the new vehicle and it cost me £16 extra !!!!! Go and figure that one! Even the chap I spoke to at the insurance company was baffled by it but said that was the price. I am 67 and live in Bristol 4.

[kristriple]

A bit late to the post but I have just bought a 1.6 focus Ghia on a 53 plate. My prevoius car was an S type 3.0V6 Jaguar. I transfered my insurance to the new vehicle and it cost me £16 extra !!!!! Go and figure that one! Even the chap I spoke to at the insurance company was baffled by it but said that was the price. I am 67 and live in Bristol 4.

You may be in the same boat as me here. My insurance is near enough the same price regardless of the vehicle. 58 plate fiesta zs £260, 07 mondeo 2.5T £270, 61 evo X £290.

The only thing that they charge for is policy/vehicle changes. So, swapping from my evo to another fiesta right now, would mean I had to fork out more dough. It's stupid, I know!

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[MattDRX]

^ for the two posts above, it isn't really relavant to the car as I've said in previous posts, It's all about stats, statistically more Mondeos and Foci would be crashed than a Jag ( purely as they are more popular ) therefore as there will be less stats to show how many are crashed therfore represents a lower risk and the premium for a Jag is less.

Same with first time drivers, dont get a pony little hatch back as thats all that ever gets written off by 17 and 18 year olds, get a huge barge of a motor like an Omega or a Volvo and they are cheap to insure and barely any 17 year olds stack them ( as they dont drive them ) therefore the stats are in their favour.

It would cost me less to insure an RS3 or 135iM than the Fiesta ST, It's even cheaper for me to insure an Audi R8 V10 or Ferrari F355 than it is a Honda S2000. Stats show road terrorists drive Fiestas and Chavd up Hondas than Prancing Horse mobiles.

[ben1191]

1.2 fiesta mk5s are dearer to insure than mk5 1.4s and even mk6 1.6 zetecs.ill give Adrian flux a try when I get close to buying a fiesta,hopefully they can beat avivas quotes.

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[jeebowhite]

Well, insurance again made me laugh today....

I started a new role at work recently, which means I am going to be spending a visit or two out with the clients, so I need business cover. Phoned up the Flux on Friday, ran through the argie bargie, and the result was over £240 to add 2000 business miles to the policy - I almost wet myself and said no thanks. Went home, did a bit of googling, (now bearing in mind what I paid already which is about £600 and they wanted another £250 for business) that makes my premium £850. So I went googling and came back with results - same cover more or less, with a saving of £300. Phoned up the Flux this morning to cancel and spoke to a nice chap there. He went off and did the numbers, and advised he could cancel my policy for a £337 refund, or, he has spoken to the underwriter who has agreed to give me the 2000 Business miles for £45! yes, £45! oddly enough I accepted his offer, but have to wonder, where that other £200+ had gone!!!

[ben1191]

They just take advantage,they really do think people are thick as two planks.then they wonder why people front insurance,don't declare mods etc.

I think it's criminal that one company offers me insurance for 1200 quid and another is trying to charge me 10k..

[SeanW]

The ridiculous quotes come from insurance companies not actually wanting to insure you, but rather than point-blank refuse, they offer you a silly price.

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[MattDRX]

The very high prices mean they haven't costed it up, so by default they have a set very high figure to deter people ( lots of online businesses do this in a variety of trades ), others just don't provide them with anything. better they call to clarify the cost then not as a result of not displaying prices.

[Fiestavanman31]

I'm a 17 year old who's just started driving and they wanted £4000 but iv got it down, I drive a mk6 1.4 fiesta van

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[jeebowhite]

It really is silly, to be fair, I could have driven around without the business insurance. If I were to be involved in an accident and being asked why I was in that area, I could just say "I was skiving work and going to see a friend" they wouldnt really need anything more than that and would still pay out, so it seems silly to me at least! Of course i have the full cover now, but how many people would do something like that! you just feel your taken for a mug as a consumer in this game.

Just goes to show, continue to play them at their own games and you find out just how much they want to keep you.