******* poor people :(

So, I'd just like to say thanks to the poor/uneducated/moral free/scum/***** ******* who live near by for costing a hard working man an extra £153.83 for which I get literally nothing in return.

/rant

Do you have Aspergers? Or just a problem with everybody who isn't you?

How do you know that the people living in the social housing are uneducated? Don't have morals? Or are scum? They could be well educated, they could have been top business people who have fallen on hard times. I'm far more tolerant of people who fall on hard times and thus end up in social housing than pretentious people who think they are better than everybody else.

Normally these types of people are not real big earners but are rather those who have got a little cash and perhaps a reasonable house and all of a sudden they think they are better than everybody else.

Well pride comes before a fall.
 
Do you have Aspergers? Or just a problem with everybody who isn't you?

How do you know that the people living in the social housing are uneducated? Don't have morals? Or are scum? They could be well educated, they could have been top business people who have fallen on hard times. I'm far more tolerant of people who fall on hard times and thus end up in social housing than pretentious people who think they are better than everybody else.

Normally these types of people are not real big earners but are rather those who have got a little cash and perhaps a reasonable house and all of a sudden they think they are better than everybody else.

Well pride comes before a fall.

What's Aspergers got to do with hating poor people? :confused::p
 
You're obviously poor if you're living that close to a council estate.

Riiiiiight......

In stafford Rowley Park, one of the nicest estates to live on, in fact so posh it has gated access, is between rising brook and highfields, the two roughest council estates in the town.
 
You're obviously poor if you're living that close to a council estate.

Y'know, I don't think that's particularly true these days. It seems you can't go 10 miles in any direction, even in some rural/suburban areas, without hitting a pocket of social housing/an estate. Unless of course you're "not poor" in the terms of "really rather wealthy" and can manage to afford somewhere that you don't have to even see another human being unless you want to.

Quite depressing, really.
 
Do you have Aspergers? Or just a problem with everybody who isn't you?

How do you know that the people living in the social housing are uneducated? Don't have morals? Or are scum? They could be well educated, they could have been top business people who have fallen on hard times. I'm far more tolerant of people who fall on hard times and thus end up in social housing than pretentious people who think they are better than everybody else.

Normally these types of people are not real big earners but are rather those who have got a little cash and perhaps a reasonable house and all of a sudden they think they are better than everybody else.

Well pride comes before a fall.

No I just have little time for people who don't help themselves when they're perfectly capable of it. And I don't mean help themselves to my shiz...
 
Life - It isn't fair.

There's nothing unfair about that - premiums are based on claim history and it would have been easy enough to check that out before moving.

Having said that i still do feel for the op, similar thing happened to me with car insurance having moved less than a mile away from my old house!
 
There's nothing unfair about that - premiums are based on claim history and it would have been easy enough to check that out before moving.

Having said that i still do feel for the op, similar thing happened to me with car insurance having moved less than a mile away from my old house!

Quite, I never said it was unfair that I paid more in a higher risk area. My issue is with why the area is higher risk.

I'm going to ring up and amend my policy to see if i can change it to third party only, the car is almost worthless and if it gets nicked it gets nicked. Wonder how much that will save - surely your location is irrelevant then?
 
I paid £1150 for my insurance this year for a 10 year old fiesta, and it's set to go up when I have to renew it in january.

How much did you pay?

I paid £365 for a year old Range Rover Sport and £220 for a Ford Mondeo ST220 and no the amount for the ford was not lost on me...:)

That included the wife on the policies as well.


OP, I suspect that the relative cost of your house because of the crime rate more than compensates for the few quid extra your insurance cost. What it has to do with poor people I have no idea and if your are not relatively poor yourself, why are you living in a crap hole with high crime rates no matter how posh it appears to be?
 
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Castiel, I've explained this lots of times in this thread, but as you can't be arsed to read it I will reiterate it for you in a nice easy to digest list.

1. I don't live in a **** hole.

2. The crime rate in my street and surrounding streets is low

3. The local council estates/social housing zoos/insert politically correct term here are 1/2 and 3/4 of a mile away, around the same distance as social housing was from my previous residence.

4. My street is average in terms of home ownership/renting according to rightmove. All private rent as far as I can tell.

5. I rent the property with my girlfriend, we are doing a 'try before you buy' to make sure that such a big commitment as buying a house will be a sound idea and that we won't kill each other living together.

6. The rent price is irrelevant based on area, we saw houses on highfields which were less desireable (same size but no garage for example) which were more expensive.

7. I am not poor, neither is my girlfriend - we have been conservative in our spending (600/month + bills) so as to not participate in the 'poor trap' of living way outside of our means. The excess shall be used for our house buying mission next year. Also on the note of not being poor I have 135k tied up in a house in Weymouth which is unencumbered.

8. The crime rate, according to police.uk, is very high in these areas of social housing is significantly higher than privately owned/rented areas nearby, very much the same as my previous residence (and everywhere else you look in the country, I would bet).

9. Wealthy people don't steal cars or vandalise things. Those who do are generally poor. Not all poor people are like that, nor all wealthy people are angels, I accept this.

10. My disdain for the poor starts and ends with the fact they moan about being poor and do nothing to help themselves. Then they buy a massive TV etc. at 4000% interest from brighthouse to cheer themselves up.
 
You don't get nothing in return, you get an insurance policy.

Also, it has nothing to do with poor people, not all poor people are 'uneducated, moral free, ***** scum'.

Maybe not, but all 'uneducated, moral free, ***** scum' are poor :cool:
 
Social equality?

Person A - studies hard, becomes a straight A student, goes to university and, gets a great job, earns lots of money and enjoys the benefits of their hard work.

Person B - leans a trade, works hard and gets themselves into a position where they own their own company or work high up in another company and earn lots of money and enjoy the benefits of this.

Person C - can't be bothered, doesn't study hard, no work hard, earns very little money.


Should person C be entitled to the same standard of living as persons A and B? If you think so then you and I are about as polar opposite in our views as possible.

As far as social equality goes EVERY SINGLE PERSON has a free education up to 16, 18 if they want it. they all have exactly the same opportunities for apprenticeships, education, training etc. and access to the same job market. Of course some people have wealthier families who help them along but this is in addition to the entitlements/opportunities listed above which are available to every single person.

Social equality? What about the scum showing some respect to show who's table they feed from?

A lovely, if extremely flawed and simple set of examples.


What about

D: Someone who has a good job but the company shuts down/relocates and they can then no longer get a job in the field they've spent the past 20-30 years in, and no one wants to hire them because they're "overqualified"
See als
D1: Someone goes to University, gets a great degree but then there are no longer the jobs available because the industry has moved on/off to cheaper countries.

Or

E: Someone works all their life, but then has an accident or similar.

or

F: Someone works hard, doing the "menial" jobs that are absolutely essential for those who can afford to look down on them, but barely get paid a living wage - you know the people like the bin men, the cleaners in the hospitals etc (and we've all heard of the stories about how economising on the cleaning staff has affected things like the level of cleanliness in hospitals*).

In your world no one would ever get their bins emptied, or the streets cleaned etc as they're jobs that don't require huge amounts of training/skill/education, nor do they pay well....
It also ignores the minor fact that not everyone is able to get a better job even if they want to due to things outside their own control.

The biggest problem around my area isn't with the "council" housing, where the tenants can be moved out if they cause problems, it's the "private" houses where the owners are sometimes many times worse than any of the council tenants and often much better off financially, but that doesn't stop them acting like the worst kind of Jeremy Kyle participant.



*Oddly enough when you pay the absolute bare minimum possible you don't tend to get the best out of staff (or even the best staff to do the job, even for something that is relatively simple like cleaning).
 
Social equality?

Person A - studies hard, becomes a straight A student, goes to university and, gets a great job, earns lots of money and enjoys the benefits of their hard work.

Person B - leans a trade, works hard and gets themselves into a position where they own their own company or work high up in another company and earn lots of money and enjoy the benefits of this.

Person C - can't be bothered, doesn't study hard, no work hard, earns very little money.


Should person C be entitled to the same standard of living as persons A and B? If you think so then you and I are about as polar opposite in our views as possible.

As far as social equality goes EVERY SINGLE PERSON has a free education up to 16, 18 if they want it. they all have exactly the same opportunities for apprenticeships, education, training etc. and access to the same job market. Of course some people have wealthier families who help them along but this is in addition to the entitlements/opportunities listed above which are available to every single person.

Social equality? What about the scum showing some respect to show who's table they feed from?

Shoes you need to think before you post you are now creating a causal link between hard work and wealth.

My dad is a tax driver, he has worked in that job for 40 years, working 6 days a week, 10 hours a day. He brought up 4 kids, worked his balls off and is not well off. In fact he will likely have to work till the day he dies as he could never afford proper pension contributions.


As you can see hard work does not mean you will be well off. There are plenty of people who work hard who are poor, likewise there are plenty of people who do sod all but earn an above average wage.

Your tone in your arguments seems to suggest that anybody who is poor, has not worked hard and therefore deserves to be poor. This i clearly BS and suggests to me somebody who doesn;t really live in the real world and has not had to struggle for much'

The irony is that you would think that your success and by your definition, the wealth it necessarily creates, would be more than enough to cover your extra premium contributions.
 
Castiel, I've explained this lots of times in this thread, but as you can't be arsed to read it I will reiterate it for you in a nice easy to digest list.

I read it. And it seems that you have a rather chip on your irrational shoulder.

1. I don't live in a **** hole.

That would be relative of course. The insurance company certainly seem to think you live in an area with increased risk from your last one, either that or they are taking the opportunity to increase your rates because they do not apply the same discounting to changes in policy part way through a policy term. It is probably your own fault for moving and not the fault of people who are just not as fortunate as you financially.

2. The crime rate in my street and surrounding streets is low

Which bears out what I said about losing the added discounting (above that of NCB) a new policy generates.

3. The local council estates/social housing zoos/insert politically correct term here are 1/2 and 3/4 of a mile away, around the same distance as social housing was from my previous residence.

Which again implies it has little to do with your policy increases.

4. My street is average in terms of home ownership/renting according to rightmove. All private rent as far as I can tell.

I'm not really sure what that has to do with anything.

5. I rent the property with my girlfriend, we are doing a 'try before you buy' to make sure that such a big commitment as buying a house will be a sound idea and that we won't kill each other living together.

If you get this upset over car insurance I hope she has a high tolerance for irrationality.

6. The rent price is irrelevant based on area, we saw houses on highfields which were less desireable (same size but no garage for example) which were more expensive.

And could in all likelihood have lower insurance premiums if you rant is actually indicative of what is happening here.

7. I am not poor, neither is my girlfriend - we have been conservative in our spending (600/month + bills) so as to not participate in the 'poor trap' of living way outside of our means. The excess shall be used for our house buying mission next year. Also on the note of not being poor I have 135k tied up in a house in Weymouth which is unencumbered.

Note I said relatively.

8. The crime rate, according to police.uk, is very high in these areas of social housing is significantly higher than privately owned/rented areas nearby, very much the same as my previous residence (and everywhere else you look in the country, I would bet).

The same is true where I live, however I have not the same issues with insurance that you seem to have. Although I suspect that is as much to do with you changing part way through a policy than the area to which you moved.

9. Wealthy people don't steal cars or vandalise things. Those who do are generally poor. Not all poor people are like that, nor all wealthy people are angels, I accept this.

Yet you state that wealthy people are law abiding, and poor people are not. :confused:

10. My disdain for the poor starts and ends with the fact they moan about being poor and do nothing to help themselves. Then they buy a massive TV etc. at 4000% interest from brighthouse to cheer themselves up.

Not unlike a huge part of the middle classes and their huge mortgages they cannot afford and driving around in Range Rovers and BMWs they cannot afford also.

Quit winging and change your insurer when the time comes, you will probably see a reduction in your premium.
 
A lovely, if extremely flawed and simple set of examples.


What about

D: Someone who has a good job but the company shuts down/relocates and they can then no longer get a job in the field they've spent the past 20-30 years in, and no one wants to hire them because they're "overqualified"
See als
D1: Someone goes to University, gets a great degree but then there are no longer the jobs available because the industry has moved on/off to cheaper countries.

Or

E: Someone works all their life, but then has an accident or similar.

or

F: Someone works hard, doing the "menial" jobs that are absolutely essential for those who can afford to look down on them, but barely get paid a living wage - you know the people like the bin men, the cleaners in the hospitals etc (and we've all heard of the stories about how economising on the cleaning staff has affected things like the level of cleanliness in hospitals*).

In your world no one would ever get their bins emptied, or the streets cleaned etc as they're jobs that don't require huge amounts of training/skill/education, nor do they pay well....
It also ignores the minor fact that not everyone is able to get a better job even if they want to due to things outside their own control.

The biggest problem around my area isn't with the "council" housing, where the tenants can be moved out if they cause problems, it's the "private" houses where the owners are sometimes many times worse than any of the council tenants and often much better off financially, but that doesn't stop them acting like the worst kind of Jeremy Kyle participant.

*Oddly enough when you pay the absolute bare minimum possible you don't tend to get the best out of staff (or even the best staff to do the job, even for something that is relatively simple like cleaning).

If only there was a system in place to help people who unfortunately had accidents or could no longer work due to reasons outside of their control. If only there was some kind of safety net, which everyone paid into to help people like this....oh, wait.

In my world no one would get their bins emptied. My world where bin men, wouldn't get paid as much as say doctors for example. Well I think you'll find this is what's already in place and unless i'm very much mistaken out streets are clean and our bins are emptied.

I think you think I'm arguing against the current system, I'm not. I'm arguing against the ridiculous notion of effective communism which was suggested, that everyone should be equal within society. Which is impossible.
 
Shoes you need to think before you post you are now creating a causal link between hard work and wealth.

My dad is a tax driver, he has worked in that job for 40 years, working 6 days a week, 10 hours a day. He brought up 4 kids, worked his balls off and is not well off. In fact he will likely have to work till the day he dies as he could never afford proper pension contributions.


As you can see hard work does not mean you will be well off. There are plenty of people who work hard who are poor, likewise there are plenty of people who do sod all but earn an above average wage.

Your tone in your arguments seems to suggest that anybody who is poor, has not worked hard and therefore deserves to be poor. This i clearly BS and suggests to me somebody who doesn;t really live in the real world and has not had to struggle for much'

The irony is that you would think that your success and by your definition, the wealth it necessarily creates, would be more than enough to cover your extra premium contributions.

Is you dad happy with his level of income? If so then happy days.

If he's not then he can't complain about it after having stuck with it for 40 years whilst changing nothing.

Kids is a moot point, no one is forced to have kids, you make that choice. I won't accept any argument from anyone who had kids knowing full well they couldn't afford them, it's selfish and unforgivable. I accept that accidents happen, but I also accept we have abortions available on the NHS.

By hard work I don't just mean chipping away at the same piece of diamond with a toothpick indefinitely. This means also educating one's self about the surrounding world and using this knowledge to your advantage, and generally taking yourself to where you want to be.
 
Is you dad happy with his level of income? If so then happy days.

If he's not then he can't complain about it after having stuck with it for 40 years whilst changing nothing.

Kids is a moot point, no one is forced to have kids, you make that choice. I won't accept any argument from anyone who had kids knowing full well they couldn't afford them, it's selfish and unforgivable. I accept that accidents happen, but I also accept we have abortions available on the NHS.

By hard work I don't just mean chipping away at the same piece of diamond with a toothpick indefinitely. This means also educating one's self about the surrounding world and using this knowledge to your advantage, and generally taking yourself to where you want to be.

Crikey, you are a right one! Abortions, really!!!. and many areas do not have abortions available on the NHS except in very specific circumstances.
 
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