Nothing has changed in this regard. Everyone is still viewed as being a high risk until they can show otherwise, just girls now pay more to start with too.
Car insurance for men to be the same as for women.
- Thread starter Justin Smith
- Start date
Nothing has changed in this regard. Everyone is still viewed as being a high risk until they can show otherwise, just girls now pay more to start with too.
Rating factors change between 15 and 45 days, not saying that the change in rating hasnt had an effect, but its very liekly there are other rate changes affecting the premium
There was only a few days between the quotes which hadn't changed all year until the day the law kicked in. Even now it still shows the same price with the cheaper quote.
must be one of the lucky ones then if it hasnt changed all year until now
It is easy to setup. The comparison websites can store details. I check it out every so often. I've seen on other forums people saying their quotes had changed after the law change.
There are other reasons other than blatant sexism for bias based on gender in a profession where gender means nothing? Please enlighten me. But while you are doing so please don't be disingenuous and claim that I think all scientists are sexist pigs, it makes you seem silly and belittles your arguments. Sexism is often subconscious and built up through living in the patriarchy, I know I have and probably will be guilty of it in the future, that doesn't mean I think I myself am a "sexist pig", its just something that I need to work on.
And what is it about healthcare that shows women are treated better? Do they get paid more? Are they disproportionately in the higher laid jobs? (No there are more male Dr's than female in the UK)
The funny thing about scummy MRA or idiots who claim sexism/racism/homophobia no longer exists is that they then go on to point out minor examples of it then happening and get outraged about it as if it isn't part of the same problem.
Not really, the reason why your price is higher with one company than the other is that to one your seen as a higher risk than the other. Not really a scam if you understand what the business model is based on. one company has more bumps and crashes with a particular car/person with a certain occupation/in a particular post code = they dont want them on cover. just incase your wondering, that is a simplified version
No it is the case, you can believe they sit there and every single quote is based fairly on the risk of the policy in question.
The fact is, it isnt, they employ the same business practices as every other industry and try and get what they can out of you.
Its why new business is often quoted cheaper than existing, its why when you say you are leaving they will quite often price match etc etc.
If you are quoted £800 the first time, you tell them them to shove it because you've been quoted £500 elsewhere and they price match, how has your risk to them changed?
Existing customers who endure either poor service or price increases without question will ALWAYS get this service from a supplier or company ,because you can get away with it.
How many thousands of people do you think just open their insurance renewals every year, see it going up, think "insurance has gone up again" and do nothing more about it?
if only a percentage of their customers take a price increase, its still an increase in revenue.
Its not a scam, its just common business practice.
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exactly,the practice for any company is to make a profit, regardless of the industry.
of course they dont work out an individual price per person as the amount of people driving in the UK, even if all the insurance companies pooled their staff together, it still wouldnt be a practical solution, let alone going against the competition law the UK has as well.
The price is worked on risk and they need to make a profit, so if their price comes in higher than other company's prices of course they can look at taking some cost off, but i know of quite a few companies that if the difference is over a certain amount, they will just set the policy to come to a close.
the downside for people who think insurance is a scam is that they are normally either people who dont see both sides of how insurance works or people who, due to being safe drivers/lucky, have never needed to claim so things like heads of claims/cost of claims are not seen.
default claim reservations can be between £1500 to £3000 depending on the company, the only way an insurance company is 100% going to make a profit would be to quote everyone above this figure, which i know they dont. They could take on 100 customers at £1000 per policy, they have one claim that year which comes in at £500,000 (which is not an uncommon event these days) and they at a loss.
but that is enough about how things kinda work (not going to go in to the in's and out's as its not my problem ) as its easier to throw comments on a thread without having dealt with both sides of buying your own insurance and dealing with other peoples insurance
of course they dont work out an individual price per person as the amount of people driving in the UK, even if all the insurance companies pooled their staff together, it still wouldnt be a practical solution, let alone going against the competition law the UK has as well.
The price is worked on risk and they need to make a profit, so if their price comes in higher than other company's prices of course they can look at taking some cost off, but i know of quite a few companies that if the difference is over a certain amount, they will just set the policy to come to a close.
the downside for people who think insurance is a scam is that they are normally either people who dont see both sides of how insurance works or people who, due to being safe drivers/lucky, have never needed to claim so things like heads of claims/cost of claims are not seen.
default claim reservations can be between £1500 to £3000 depending on the company, the only way an insurance company is 100% going to make a profit would be to quote everyone above this figure, which i know they dont. They could take on 100 customers at £1000 per policy, they have one claim that year which comes in at £500,000 (which is not an uncommon event these days) and they at a loss.
but that is enough about how things kinda work (not going to go in to the in's and out's as its not my problem
) as its easier to throw comments on a thread without having dealt with both sides of buying your own insurance and dealing with other peoples insurance
i think there will be opportunities for men to get super cheap insurance/
Chances are they'll just move the sex discrimination on in different forms. Like they'll give cheaper quotes to cars that are typically driven by women. E.g. micra, bettle, etc.
So if yuo're a guy you can buy a micra or bettle and get super cheap insurance.
Chances are they'll just move the sex discrimination on in different forms. Like they'll give cheaper quotes to cars that are typically driven by women. E.g. micra, bettle, etc.
So if yuo're a guy you can buy a micra or bettle and get super cheap insurance.
Soldato
- Joined
- 23 Nov 2004
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- 10,648
Insurance is a bloody nightmare! I ran a few quotes a couple of weeks back and Adrian Flux came in cheapest at £550, £650 if taken on monthly payments. Ideal I thought as I paid £930 last year and that was upfront with admiral.
I then spoke to Adrmiral and gave them the £650 to beat, they got to £720 so I said I'd just cancel and go with Adrian Flux.
I ran a quote for AF with my real name with instead of James Brown and got an email saying £970(before interest). I then called up to see what they could do and why it had jumped. They could do £900 and it had risen as 'we are a broker so it can change'.
I then phone back Admiral and ask about the £720 to be told that was actually for an upfront payment, they would like £980. So £50 more than last year even though I have an extra NCB......
I phoned back and went with AF as at £900 it was still doable monthly and the offices were closing soon on hogmany. I just ran quotes on confused and Admiral and now saying £865 paying over the months! Just did an AF one with the same details they have insured me under just now to see what they come back with.
If it's lower than what they have said for now I won't be amused
I then spoke to Adrmiral and gave them the £650 to beat, they got to £720 so I said I'd just cancel and go with Adrian Flux.
I ran a quote for AF with my real name with instead of James Brown and got an email saying £970(before interest). I then called up to see what they could do and why it had jumped. They could do £900 and it had risen as 'we are a broker so it can change'.
I then phone back Admiral and ask about the £720 to be told that was actually for an upfront payment, they would like £980. So £50 more than last year even though I have an extra NCB......
I phoned back and went with AF as at £900 it was still doable monthly and the offices were closing soon on hogmany. I just ran quotes on confused and Admiral and now saying £865 paying over the months! Just did an AF one with the same details they have insured me under just now to see what they come back with.
If it's lower than what they have said for now I won't be amused
Depends how you look at life really, I'm more of a pay your own way sort of fellow and this goes against it.
![[TW]Fox](/data/man-of-honor/2009.png){kind=avatar}
You should if you are buying a product insuring you against risk.
Like it or not, us guys are far more likely to cost our insurers big money than a girl would be. Parking dents and curbed wheels don't cost much. Chucking Impreza Turbos into the scenery, backwards, on fire, does.
Guess which of the above events are most likely to have a guy behind the wheel...
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Soldato
- Joined
- 23 Nov 2004
- Posts
- 10,648
Insurance is a bloody nightmare! I ran a few quotes a couple of weeks back and Adrian Flux came in cheapest at £550, £650 if taken on monthly payments. Ideal I thought as I paid £930 last year and that was upfront with admiral.
I then spoke to Adrmiral and gave them the £650 to beat, they got to £720 so I said I'd just cancel and go with Adrian Flux.
I ran a quote for AF with my real name with instead of James Brown and got an email saying £970(before interest). I then called up to see what they could do and why it had jumped. They could do £900 and it had risen as 'we are a broker so it can change'.
I then phone back Admiral and ask about the £720 to be told that was actually for an upfront payment, they would like £980. So £50 more than last year even though I have an extra NCB......
I phoned back and went with AF as at £900 it was still doable monthly and the offices were closing soon on hogmany. I just ran quotes on confused and Admiral and now saying £865 paying over the months! Just did an AF one with the same details they have insured me under just now to see what they come back with.
If it's lower than what they have said for now I won't be amused
Got the quote email today and they said £1334....before interest.
I'll stick with my £900 as it seems to have DOC cover on a TPFT policy. All it say is as long as I have permission to do so, so I guess it doesn't need to be insured also.
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- Sheffield
On the subject of the cost of car insurance, that is to say the high cost of car insurance, I think we should remember it isn`t just immature blokes driving round like the roads are a racetrack that puts up premiums, it`s those fraudulent scrounging parasites who put dishonest claims for whiplash. Years ago I can remember having an accident hitting a guy (who`d set off at a junction then stopped for no reason whatsoever.....) at about 5mph, the lying t****r also put in a claim for whiplash ! My wife`s just had a accident (not her fault in my opinion), the cars hit side to side and what`s more the impact was so minor that my wife`s car just needed the paint T cutting off the side of the bumper. The fraudulent cow has put in a claim for whiplash !
Now let`s be clear, if she, or any other of these scroungers, get paid out on it, it`s all off us who are going to pay for that with higher premiums. Anyone who thinks about it should hate these money grabbing scrubbers, yet how many of us, if we`re honest, would tell a friend or family member who was trying it on what we actually thought of them ? Until it becomes socially unacceptable to try it on with "compensation" it`ll keep happening and our insurance premiums will keep going up.
I hate those all scroungers, and so should you.
Think about it.....
Now let`s be clear, if she, or any other of these scroungers, get paid out on it, it`s all off us who are going to pay for that with higher premiums. Anyone who thinks about it should hate these money grabbing scrubbers, yet how many of us, if we`re honest, would tell a friend or family member who was trying it on what we actually thought of them ? Until it becomes socially unacceptable to try it on with "compensation" it`ll keep happening and our insurance premiums will keep going up.
I hate those all scroungers, and so should you.
Think about it.....
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- 29 Nov 2012
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- Location
- Sheffield
Completely unrelated to the topic but I fear my eyes may explode if I see much more abuse of ` being used as an apostrophe instead of '
It looks the same to me mate, and I`ve got used to it now, so I can`t be arsed to change it !
Now text speak, awful spelling* or crap grammar, don`t get me on to that one. We regularly get E Mails with no punctuation and no capital letters, it takes about 5 minutes editing them before you can even understand what they`re trying to say........
* nobody is perfect, but there`s a few errors, and nearly all of it`s errors.
DOC is available on most if not all covers through the admiral group.
other vehicle and your vehicle must have a valid insurance policy
other car can not be owned/have a finanical interest by you
owners permission must be gained
etc etc
Renewed mine on Friday hoping that as a Male, it would reduce, but guess what? It didn't.
Premium went up about £50 from last year, which is ridiculous considering another year NCB. My postcode is also low risk so expected it to come down at least £100!
Best I could find was £707 (2 yr NCB - 27yr old - VW Passat 1.9TDI - £150 excess). Stuck my mum on my policy, which I haven't done before and it goes down to £580! I don't really understand that.. is it under the assumption that she will maybe sometimes drive the car, therefore lower risk?
Also went through Quidco cashback which will give me a nice £70, which reduces it to £510. Overall happy at that price considering my experience.
Insurance annoys me
Premium went up about £50 from last year, which is ridiculous considering another year NCB. My postcode is also low risk so expected it to come down at least £100!
Best I could find was £707 (2 yr NCB - 27yr old - VW Passat 1.9TDI - £150 excess). Stuck my mum on my policy, which I haven't done before and it goes down to £580! I don't really understand that.. is it under the assumption that she will maybe sometimes drive the car, therefore lower risk?
Also went through Quidco cashback which will give me a nice £70, which reduces it to £510. Overall happy at that price considering my experience.
Insurance annoys me