Sunlight made me crash this morn!

miniyazz · 25 Sep 2009 at 16:45

DannyDan said:
This is why (most? all?) cars have sun visors that unclip and swivel to cover the driver's window

edit: unless that's what you meant by a "dark visor"

I read it as 'motorbike'.

smr · 6 Oct 2009 at 17:34

Insurance has gone up from 40 quid to 60 quid a month because of this bump. The epitome of extortion. Fair enough if I had a PROPER crash on an A road or even the motorway, but a tiny bump not even man enough to compete with dodgem cars... ridiculous.

My insurance is up for renewal on the 26th of this month as well, gonna shop around, not that I expect anything significantly lower :/

mjt · 6 Oct 2009 at 17:43

why not pay your insurance in 1 go, probably cheaper

Janesy B · 6 Oct 2009 at 17:43

It's not extortion. You are a higher risk to them.You crashed because of not being prepared for something trivial like the sun.

I have to pay the equivalent of £80 and I've never done anything wrong! That's extortion.

smr · 6 Oct 2009 at 17:49

Janesy B said:
It's not extortion. You are a higher risk to them.You crashed because of not being prepared for something trivial like the sun.

I have to pay the equivalent of £80 and I've never done anything wrong! That's extortion.

well then you shouldn't be 19 and driving a ferrari 355

Janesy B · 6 Oct 2009 at 17:50

smr said:
well then you shouldn't be 19 and driving a ferrari 355

I'm 22 with 2 years NCB, I haven't crashed because of the sun and I drive a silly red 1.4 Fiesta

smr · 6 Oct 2009 at 17:52

Janesy B said:
I'm 22 with 2 years NCB, I haven't crashed because of the sun and I drive a silly red 1.4 Fiesta

How on Earth is that 80 quid a month, when I was driving my 1.4 306 at 22 I was paying 30 quid a month. and My mondeo was 40 quid a month (mk3 1.8 69k miles) at 24....

How yours is that high beggars belief. Did you not shop around? :confused:

Janesy B · 6 Oct 2009 at 17:55

Yep, hours and hours on the phone.

My renewal will be around £800 TPFT, fully comp is a grand.

thepharcyde · 6 Oct 2009 at 18:03

Wicksta said:
She'll want to pay herself obviously, she'll probably want to pay for the repair to your car as well.

Only thing to add to this thread....... LMAO I needed that

smr · 6 Oct 2009 at 18:23

Right guys, need some help here please.

I am wondering first of all - should I stick to Comprehensive or TPTF? My car is an MK3 Mondeo 1.8 LX with less than 90,000 on the clock. The value of these cars must be about a grand now.

Secondly, got some good news, my existing insurer has quoted my renewal at £60/pm - an increase of £20 because of this 10mph bump.

However, I've just hopped on confused.com and I can get an Insurance company to cover me for £48 p/m Comp or £38 TPTF.

Which would be the most sensible option?

miniyazz · 6 Oct 2009 at 18:54

Janesy B said:
Yep, hours and hours on the phone.

My renewal will be around £800 TPFT, fully comp is a grand.

Just think, you could probably get yourself a shiny new Euro Box that'd pay for itself in under 10 years on insurance alone

smr said:
Right guys, need some help here please.

I am wondering first of all - should I stick to Comprehensive or TPTF? My car is an MK3 Mondeo 1.8 LX with less than 90,000 on the clock. The value of these cars must be about a grand now.

Secondly, got some good news, my existing insurer has quoted my renewal at £60/pm - an increase of £20 because of this 10mph bump.

However, I've just hopped on confused.com and I can get an Insurance company to cover me for £48 p/m Comp or £38 TPTF.

Which would be the most sensible option?

Depends if you care about your car and if you can afford to fix it/replace it if it goes wrong.. essentially, if you're more likely to have a write off than not in the next 10 years, get the insurance, otherwise don't bother. Assuming you'll only claim if you have to to avoid upping your premium further.

Janesy B · 6 Oct 2009 at 19:02

miniyazz said:
Just think, you could probably get yourself a shiny new Euro Box that'd pay for itself in under 10 years on insurance alone

I'd rather set my hair on fire but thanks for the suggestion