Does anybody bother with car insurance?

Discussion in 'Motorhome Chat' started by Swift, Sep 13, 2011.

  1. Swift

    Swift

    Joined:
    Sep 13, 2010
    Messages:
    656
    Likes Received:
    210
  2. sedge

    sedge Funster

    Joined:
    Jul 7, 2009
    Messages:
    4,501
    Likes Received:
    3,859
    Location:
    Nr Jct 3 M6
    Yup, 2/3rds of drivers LOL

    Who all pay a percentage on top of the premium it should really cost to their insurance co to pay for the fund that pays out should an innocent driver be the victim of an unisnsured one and be injured ..... it doesn't pay for the damage to Mr Innocents vehicle; his ins co have to settle that, and he loses X percent of his NCD.

    Makes I mad ....... but unfortunately it's been a fact of life since before I had a driving licence .....
     
    • Like Like x 1
  3. laneside

    laneside Funster

    Joined:
    Aug 14, 2009
    Messages:
    3,490
    Likes Received:
    5,291
    Location:
    Oradour sur Vayres
    Mr Plod has all the power in the World to take em off the road and even crush them in certain instances-----another example of inefficiecy
     
    • Like Like x 1
  4. GJH

    GJH Funster Life Member

    Joined:
    Aug 20, 2007
    Messages:
    27,246
    Likes Received:
    34,478
    Location:
    Acklam, Teesside, originally Glossop
    Until recently the problem has being identifying uninsured vehicles. Hopefully with ANPR and the new(ish) database facilities it will be easier and will happen much more often.
     
    • Like Like x 2
  5. artona

    artona

    Joined:
    Jul 31, 2007
    Messages:
    1,480
    Likes Received:
    690
    Location:
    Europe
    All drivers should of course be insured but the insurance companies need regulating. My insurance company tried to put my insurance up this year. Last year it was £450 including breakdown cover. This year they wrote to me two months before renewal to tell me that to make it "easier for me" they would bill me seperately for the breakdown at £7 a month.

    Then the renewal came through at £600. They phoned to ask for payment and pretended to be shocked when I said no. They apologised for the increase of £150. I pointed out to them it had gone up by almost £250 as the breakdown was on top. Two days before the renewal they lopped £250 to get the business! I went with the AA on the breakdown.

    Then we have young drivers being asked £3000 and more. Although if they buy a classic car then they can get insurance for a few hundred as age is not taken in to account.
     
    • Like Like x 1
  6. ShiftZZ

    ShiftZZ Funster Life Member

    Joined:
    Feb 19, 2008
    Messages:
    19,821
    Likes Received:
    35,893
    Location:
    Leicestershire
    This year I had my renewal from Admiral for the 4x4 it had gone up by £20, I rang, complained, I am now paying less than last year..

    They love customers who dont switch or complain. Easy money...

    Every Year I get my Household Insurance renewal from NU (Aviva), every year I complain, the keep it the same and I manage to get £50 M&S vouchers out of them....
     
    • Like Like x 1
  7. scotjimland

    scotjimland Funster Life Member

    Joined:
    Jul 25, 2007
    Messages:
    28,934
    Likes Received:
    25,574
    Location:
    .
    The uninsured drivers have always been on the road ... and probably always will be , the real criminals are the ambulance chasers who pay fat referral fees for personal details which has lead to the claim culture .. this is soon to be banned but whether the savings made by the insurance companies will be passed on to the motorist is another question..

    another case of greed by the fat cat lawyers and we are paying for it :Angry:

    http://www.independent.co.uk/life-style/motoring/motoring-news/brakes-put-on-car-insurers-trade-in-crash-victim-details-2351713.html

    http://www.independent.co.uk/money/spend-save/simon-read-referral-fees-ban-will-curb-the-compensation-culture-2352164.html
     
    • Like Like x 2
  8. Jim

    Jim Ringleader

    Joined:
    Jul 19, 2007
    Messages:
    25,856
    Likes Received:
    76,236
    Location:
    Sutton on Sea
    Yesterday I finaly insured young JJ, £2690. :cry:

    Had to pay it in one lump, the monthly option would make a loan shark too embarassed to quote.
     
    • Like Like x 2
  9. GJH

    GJH Funster Life Member

    Joined:
    Aug 20, 2007
    Messages:
    27,246
    Likes Received:
    34,478
    Location:
    Acklam, Teesside, originally Glossop
    Makes me shake my head when insurance companies complain about ambulance chasing lawyers on one hand yet sell data to them on the other.

    The main problem with the insurance companies (just like banks) is that they think they have a right to a given amount of profit/bonus each year no matter what they have to pay out.

    Seems to me that there is a great deal to be said for third party insurance to be funded by a levy on fuel leaving insurance companies to cover just those of us who choose fully comp.
     
    • Like Like x 3
  10. CHRI$

    CHRI$ Funster

    Joined:
    Jul 26, 2009
    Messages:
    5,595
    Likes Received:
    7,098
    Location:
    england
    glad you got there in the end:thumb:
    it's a lot of money,but as you said when i spoke to you yesterday it's his age,another 12 months older and it will start to fall sharply.:thumb:
    bet you aint seen jj since:Rofl1::Rofl1:
     
  11. Jim

    Jim Ringleader

    Joined:
    Jul 19, 2007
    Messages:
    25,856
    Likes Received:
    76,236
    Location:
    Sutton on Sea
    Good point Graham. It doesn't sit well with me that something you are obliged to have by law is provided by a profit making company. They fix prices, maybe not illegally, but these days its just too easy to monitor your competition and keep prices and profits high.
     
    • Like Like x 1
  12. Gran & Rog

    Gran & Rog Funster

    Joined:
    Apr 17, 2011
    Messages:
    1,104
    Likes Received:
    269
    Location:
    Lofthouse, Wakefield
    I guess we all do (Funsters I mean) its the others that don't and cause mayhem:Angry:
     
  13. Jim

    Jim Ringleader

    Joined:
    Jul 19, 2007
    Messages:
    25,856
    Likes Received:
    76,236
    Location:
    Sutton on Sea
    Funnily enough he's just vollunteered to run Katie to School in the car. The village school Is about 600m away:BigGrin:
     
    • Like Like x 4
  14. GJH

    GJH Funster Life Member

    Joined:
    Aug 20, 2007
    Messages:
    27,246
    Likes Received:
    34,478
    Location:
    Acklam, Teesside, originally Glossop
    The levy on fuel is a proven system as well. A cousin in South Africa told me about it - if they can make it work there we surely can over here.
     
    • Like Like x 1
  15. ShiftZZ

    ShiftZZ Funster Life Member

    Joined:
    Feb 19, 2008
    Messages:
    19,821
    Likes Received:
    35,893
    Location:
    Leicestershire
    In 1976 I had a Lotus Europa Twin Cam and I was insured with Cloverleaf Insurance at that time and they wanted £188 per quarter...

    At that time I was earning £150 a month...
     
  16. BobProperty

    BobProperty Read Only Funster

    Joined:
    May 20, 2010
    Messages:
    272
    Likes Received:
    32
    Location:
    Stockport
    I wish that were true. Several months back, 2CV, limited mileage, 20 yo male £990. Last time I got a quote for a classic car was about a year ago: 5.0/5.6l Merc £173, add my 19 yo daughter, £5700. A lot of "classic" policies will only be for drivers >21 or >25.
     
  17. lorger

    lorger Funster

    Joined:
    Jul 11, 2008
    Messages:
    6,190
    Likes Received:
    7,560
    Location:
    Dumfries
    So when did this become law and do i need it for the motorhome too
     
  18. Wildman

    Wildman Read Only Funster

    Joined:
    May 30, 2008
    Messages:
    15,458
    Likes Received:
    8,598
    Location:
    Ilfracombe, Devon
    in the 1970's an increase in fuel duty was supposed to do away with road tax, well it did they now call it road fund licence, same would happen to any increase in duty for insurance, comprehensive insurance would stay the same price, we would just pay more for fuel.
     
  19. Swift

    Swift

    Joined:
    Sep 13, 2010
    Messages:
    656
    Likes Received:
    210
    Why do cyclists not pay 'road fund licence' as well then, they use the road and should fund some of it?
     
  20. Jim

    Jim Ringleader

    Joined:
    Jul 19, 2007
    Messages:
    25,856
    Likes Received:
    76,236
    Location:
    Sutton on Sea
    Chickens too, they are always crossing the road.
     
    • Like Like x 2
Loading...

Share This Page