First crash
- Thread starter Mr-White
- Start date
Soldato
- Joined
- 3 Oct 2006
- Posts
- 8,537
I'm in my first year of driving as a young male and my insurance premiums are simply staggering (£210 paid monthly on a 13 year old 1.3l micra), If it wasn't a legal requirement you could guarantee premiums would be half the price they currently are and they'd be much more reputable. As it stands insurance companies can do what they like, charge what they like and no one has a leg to stand on.
My biggest gripe is that I've never had or been involved in an accident, how can they honestly base my premium on data accrued from other people? they should offer a flat rate of £200 per annum (to pluck a figure out of the air) and adjust it up accordingly as a result of claims/points gained/vehicle value etc, innocent until proven guilty and all that!
My biggest gripe is that I've never had or been involved in an accident, how can they honestly base my premium on data accrued from other people? they should offer a flat rate of £200 per annum (to pluck a figure out of the air) and adjust it up accordingly as a result of claims/points gained/vehicle value etc, innocent until proven guilty and all that!
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It's a vicious cycle though really.
If you're in an accident, you get shafted by your insurance company, regardless of fault, you don't even need to be in the car for it to happen, your premium still gets loaded, so is it any wonder people claim for as much as they can?
Like Mr-White says:
Which leads to further insurance increases.
youd be mad not to claim after getting rear ended tbh.
I'm hoping that your post is in jest and not in any way serious.
You'd be mad not to claim for whiplash... even if you suffered no whiplash?
Deleted member 66701
Deleted member 66701
Well you are.
You're obviously putting your car in a position (both location and time of day) where you are at risk of being hit by a third party.
Associate
- Joined
- 16 Feb 2009
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- 1,505
So if you don't tell the insurance company and you have a crash in the future how would the find out if you not informed them of a crash in the past?
?
Are you being serious? Everyone uses roundabouts, stops at traffic lights and waits at junctions or zebra crossings.
Why aren't everyones quotes tripled for performing these highly risky maneuvers?!
Don't be ridiculous.
![[TW]Fox](/data/man-of-honor/2009.png){kind=avatar}
He's kinda not being ridiculous. I can't cite the exact figure but I once read in an IAM magazine that something like 70% of non-fault accidents are avoidable by the non-fault party. Your driving style and your antipatory skills can help stop you being a crash magnet, have you ever wondered why some people always seem to have all the bad luck?
Things like stopping rushing up to the lights and stopping quickly - if somebody hits you from behind it isnt your fault but had you not been driving quite like that you might have found it didn't happen, etc etc.
That numpty about to change lanes into your right of way and crash into you. Totally his fault but could you perhaps forsee it..
I also don't, just as the tax man doesn't have to know I fixed a colleagues pc for a couple of tenners...
How the flying **** will they know if you don't ?
No they don't if nobody tells them
.So what, you're not the one at fault, the fact that you ''could have avoided it'' should not affect your premium one bit. If someone rams you from behind they have to pay up and you should not be disadvantaged for it.
No, only an insurance claim is their business, nothing more. Or at least, that's the way it should be.
Thank god car insurance is more normal here: You never ever deal with your insurance unless you make a claim. If someone rear ends me my insurer doesn't know, I claim at the offending party, my insurance will not know. My insurer will not know if I have any points on my license, that is private data restricted for court, and the CBR (institute for drivers licenses), nobody else, especially not greedy insurance *****.
A far easier system, less bureaucratic mess, and lower price... Less actions required, they only have to work when someone makes a claim, this reflects in the price, I payed 416€ per year to insure a 2.5 liter V6 car at 20...
That is how insurance should be, not paying silly money because you went 90 mph on a motorway at 3am, or because some idiot rear ended you. Not having to name anyone who can drive your car, whoever of your mates is ''BOB'' (guy who doesn't drink that night) can drive your car, anyone with a drivers license and you don't have to waste the insurers time with it...
How on earth can they get away with even asking such information, that is none of their business.
You'd have to be pretty stupid (imho) to go declare every ding, the fact that this is required is quite frankly ridiculous.
disclaimer: Not advice, just voicing my opinion.
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Yes, a drink driving smackhead gets punished in other ways ( heavy fines, licence taken away if drank too much, or a point ( lose license at 3) for mild drinking offences, or a forced Educational Alcohol Course, etc).
It is none of the insurers business to punish bad drivers, that is what prosecutors, judges and the police are for... NOT the insurer.
Just as a basic health insurance at one company is the same price for everyone. Anyone needs to be able to afford it, not just low risk customers.
Insurance policies that are required by law should be affordable for everyone.
I agree that non essential insurance (that is not required by law) can do whatever the hell they want with prices. Car and health insurers on the other hand are pretty much ''protected'' by law by legally forcing citizens to take such insurance, it's unethical to demand 4k per year from a 18 year old when he might need his car for work while an old fart pays what, 200 per year, because the 18 year old is forced to get insurance by law if he wants to drive a car ?
Same way as I have to pay 120 per month for my health insurance, I've been at the doctor once in what, 5 years, and had a tenner worth of medicine in those 5 years ? I accept I have to pay this much so everyone can afford insurance, even the sick. I think car insurance should be the same, because it is required by law thus insurers are kind of protected in a way, they will always have customers.
Not that I can't live with the NCB system, punish for causing a crash, reward for not, but start with a fair price from the beginning, the age and points and named drivers thing is stupid though imho.
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I can see this is going to be a brick wall with you so im not going to comment. You have the view that driving is a right which it is not.
In Australia (NSW) you are required to have Compulsory Third Party insurance for personal injury claims against the driver. You can then buy third party property and FC insurance ontop of this.
A sticker on the windscreen shows the expiry date of your CTP insurance, so simple to check, illegal to drive a car which doesn't display one.
As for your health insurance, you could stop paying it and save that money instead, put 120 a month into savings, over the 5 years you have been paying out you would have over 7 grand in the bank which would cover a few ambulance trips....
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Why would driving be any less of a right than health insurance ? ( I know I'm in the minority who thinks this way but, yeah, I think driving is just as much as a right as healthcare. I also think internet access ( Electricity, clean drinking water, etc) should be a right in 2012...)
MY main problem with the UK car insurance is that the price difference is ridiculous, you have people paying very little and some paying 4 grand for the same ? Some difference is okay, but not 10 fold... It should be affordable for starters just as well.
? ( I know I'm in the minority who thinks this way but, yeah, I think driving is just as much as a right as healthcare. I also think internet access ( Electricity, clean drinking water, etc) should be a right in 2012...)MY main problem with the UK car insurance is that the price difference is ridiculous, you have people paying very little and some paying 4 grand for the same ? Some difference is okay, but not 10 fold... It should be affordable for starters just as well.
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Why would driving be any less of a right than health insurance
MY main problem with the UK car insurance is that the price difference is ridiculous, you have people paying very little and some paying 4 grand for the same ? Some difference is okay, but not 10 fold... It should be affordable for starters just as well.
But this is totally right. It means people pay insurance premiums that reflect the risk they pose. This means somebody who is very little risk can benefit from very low premiums and somebody who is high risk must pay a large premium.
The alternative is that the low risk people pay more and the high risk people pay less, why is that better?
. When getting quotes, try park on the road, often works out cheaper 
[TW]Fox;21842670 said:
Make sure little details are correct. Check you mileage between your recent MOT's and use that +10% are you annual mileage. It does make a difference. I used to quote 12K a year and noticed I only do about 6K. Contacted insurance co and premiums reduced by over £100.
On a side note I was rear-ended 30 months ago and claimed through my insurance, who then proceeded to claim all costs form the 3rd party. Party denied all the claims and it eventually reach court. On the day of the hearing her (3rd party) solicitor managed to get her (3rd party) to agree that she was fully at blame (there was never any doubt).
Within 14 days i eventually received my excess back and had all my no-claims re-instated. Got a refund on the over payment of premium due to said no claims and just had my renewal and it is again cheaper than last year. OK so I have a no fault claim on my history but it has not affected my premium.