Today's insurance rant...

DanTheMan

DanTheMan

DanTheMan

Soldato
Joined
11 Oct 2005
Posts
4,810
Location
Manchester, UK
I ran quotes a month ago as my car insurance is due for renewal next week and with a recent SP30, it made no difference to price. I ran a few new quotes today with the cheapest insurers and it is making a £300 difference :(.

I can't even use the older quotes either as I changed the date of birth so as to bring my age up because my insurance runs out on my birthday. I bloody hate car insurance.
 
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not being funny but you created make believe stats and you hoped the insurance companies would honour the quotes, I feel your pain but the age you gave has moved on as have your quotes, suck it up :(
 
Will Gill said:
not being funny but you created make believe stats and you hoped the insurance companies would honour the quotes, I feel your pain but the age you gave has moved on as have your quotes, suck it up :(
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I never thought they would honour the quotes, I was just curious to see what the difference in price between being 21 and 22 was as I will be 22 when my insurance runs out. Sadly, any difference it did make has now been negated by the SP30.

Moving back to a Manchester postcode has more than doubled my insurance quotes already and now with this SP30 I'm looking at £2000 rather than the £800 I paid last year :/.
 
sucks mate I do feel your pain, but seriously do what I did and suck it up, it's painful but if you drive safely (ish) for a year you will get 30% off that next year! :)
 
I did nothing wrong (non-fault accident) and my insurance has gone up 100 pounds.

SP30 in almost all cases will increase insurance. Nothing surprising.
 
TS7 said:
I did nothing wrong (non-fault accident) and my insurance has gone up 100 pounds.

SP30 in almost all cases will increase insurance. Nothing surprising.
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I've got an SP30 and SP50... it increased my insurance by 3% :)

My non-fault has hit me harder than you... was going to pick up an S2000 but the insurance has gone from £1700/year to over £3,000 just because silver van man decided he wanted to drive in to me for no reason... completely unavoidable, there was literally nothing I could have even attempted to do to avoid him and yet now I'm penalised for it. Gonna have to wait til I'm 25 now :(

7 years and well over 100,000 miles of fault-free driving means nothing :(
 
crinkleshoes said:
I've got an SP30 and SP50... it increased my insurance by 3% :)

My non-fault has hit me harder than you... was going to pick up an S2000 but the insurance has gone from £1700/year to over £3,000 just because silver van man decided he wanted to drive in to me for no reason... completely unavoidable, there was literally nothing I could have even attempted to do to avoid him and yet now I'm penalised for it. Gonna have to wait til I'm 25 now :(

7 years and well over 100,000 miles of fault-free driving means nothing :(
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Ridiculous, isn't it! Ah well, not much we can do - we're at the mercy of insurance companies. Doesn't help that S2000's are nuts to insure as it is :p
 
if I had a non fault crash I'd ensure the settlement included an additional payout to cover the difference in my premiums, is that viable?
 
Will Gill said:
if I had a non fault crash I'd ensure the settlement included an additional payout to cover the difference in my premiums, is that viable?
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Never seen that in the settlement, you would make a counterclaim (Part 20) for any loss in the Action but increase in premiums has never been a term that crops up in my experience.
 
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it would definitely feature in my claim and I'd persue it with as much legal weight as my cover allows, regardless of whether it's a standard claim or not :)
 
Yes... there must be some stats that say now I've been involved in a non-fault that I'm more likely to be involved in another... I would have thought it would be the opposite, experience and all.

Either that or it's disguised like that and is just a way for them to scam "their" money back out of you (which was yours to begin with).

You don't even get the hire car for a reasonable amount of time or reasonable notice when they want to steal it back from you... They gave me 24 hours notice when I was in Blackpool for 3 days on business... on the first day!

The reason they gave, I was delaying the claim by not accepting their valuation that was £4,000 less than the real market value!!!

They refused to extend it to let me get home, effectively stranding me 100s of miles from home... They litterally told me to leave it where it was as I would no longer be insured from midnight that night and to leave the key with it in a wheel arch or similar. To top it off... I would be responsible for it! So if it got stolen because they refused to let me take it home and demanded I leave the key with it, I would have to pay! I was fuming and flat out denied to accept any form of responsibility for that.

After chasing and getting bounced back and forth between various people... managers of managers of managers, 2 hours before I was going to jump on a train they finally extended it to get me home.

Absolute nightmare & days of stress when I was on a customer's site... thankfully this client was understanding... could have been even worse!

Government enforced con :(




Yup... I can insure much much more expensive cars for less than an S2000 :S People seem unable to control the rear end and a lot of them end up in hedges. It's a shame because they are the single best standard production car available... great shame Honda decided to stop producing them... incredible cars. I would choose one over most prestige cars and some supercars I love them so much. The handling balance is perfect... I'm going to get the best condition, lowest mileage pre-2006 model I can find as a 25th bday present to myself (2006 is when they dumbed down the suspension config to make them easier to drive).
 
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I don't have much faith in the government... but there are two things that should be wholly controlled by them:

- Car insurance
- Food (sans soilent green)

There are caveats of course... but I think the benefits would outweigh...

I'm not too familiar with how it works in the states... but I'm sure I read somewhere that basic 3rd party insurance is included in the cost of the fuel... so basically if you fill it up, you have the most basic form of cover. Could be ********...
 
crinkleshoes said:
Oh... I've already thought of that ;) Worth a go with the obligatory whiplash claim...
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well I agree if presuing it legally failed I would probably feel obliged to get what is rightfully mine through less ethical means.

shame really that the 'system' might force my hand to end up with the same monetary result :(
 
I would love to be able to pursue things like that... but in the grand scheme of things... i'll only be out of pocket by a month or twos wages and that kind of money isn't worth the risk...

Risk of prison or something that may affect my future would require at least seven 0s and no decimal places ;) Everyone has a price... that's mine ;)
 
Car insurance in this country is the biggest legal scam going.

Everything about it is just non-sensical and utterly ridiculous.

It needs to be regulated A LOT better than it is at the moment.
 
thats why i pay for legal cover on my policy and if that was lacking I'd ensure my companies' legal team advised me on a resolution, why should i pay for somebody else's inability to drive?
 
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