insurance!

cj265 · 3 Mar 2011 at 18:47

but you can't judge one person on the whole nation!

i hate the fact that i have to pay extorinate amount to drive, and women younger and less experciend than me are paying less! that is really unfair and completely sexist! i'm a decent driver, hardly speed i'm aware of my surroundings at all times and i've never had any bother with anything to do with driving. still, i'm being charged more?

Janesy B · 3 Mar 2011 at 19:05

cj265 said:
but you can't judge one person on the whole nation!

i hate the fact that i have to pay extorinate amount to drive, and women younger and less experciend than me are paying less! that is really unfair and completely sexist! i'm a decent driver, hardly speed i'm aware of my surroundings at all times and i've never had any bother with anything to do with driving. still, i'm being charged more?

RISK

Plus you were involved in an accident that wrote your car off, that makes you even more risky. Even if it wasn't your fault.

stoofa · 3 Mar 2011 at 23:27

cj265 said:
but you can't judge one person on the whole nation!

i hate the fact that i have to pay extorinate amount to drive, and women younger and less experciend than me are paying less! that is really unfair and completely sexist! i'm a decent driver, hardly speed i'm aware of my surroundings at all times and i've never had any bother with anything to do with driving. still, i'm being charged more?

How do you expect them to work out premiums?
Somebody sit beside you for a week watching you drive and then give you a premium based on that?

Young male drivers are far more likely to have accidents - fact.
That is why you have a higher premium.
Because on the balance of information on you - you are a high risk.

[TW]Fox · 3 Mar 2011 at 23:29

Janesy B said:
Plus you were involved in an accident that wrote your car off, that makes you even more risky. Even if it wasn't your fault.

Especially as most non-fault accidents were actually avoidable by the non-faulty party*

*Source: IAM, not my own high horse.

Morba · 3 Mar 2011 at 23:31

Janesy B said:
RISK

Plus you were involved in an accident that wrote your car off, that makes you even more risky. Even if it wasn't your fault.

my car on the side of the road, gets hit hard. written off.
why am i more likely to be involved in another accident?

[TW]Fox · 3 Mar 2011 at 23:34

Morba said:
my car on the side of the road, gets hit hard. written off.
why am i more likely to be involved in another accident?

It demonstrates that you have a tendancy to park in places which then result in your car being hit. Harsh but fair.

Morba · 3 Mar 2011 at 23:44

[TW]Fox;18595456 said:
It demonstrates that you have a tendancy to park in places which then result in your car being hit. Harsh but fair.

No it doesnt. If a car in the same spot was hit often then fair enough. But a freak incident doesnt mean i park in bad places.