My Insurance turned me down.

[gus-lopez]

…….and this would be just as fraudulent/illegal as (for example) a Parent taking out insurance on a car of a younger family member, adding the younger person as a named driver, when the younger person is the main/sole driver. When seeking vehicle insurance you have to declare who owns the vehicle and who is the main driver.

You just ensure that the 'main ' driver drives more than the 'named' driver. When we were youn we insured an old banger 3rd party & left it in the road so that in the evnt of any problems we had another large' ncb' to use insuring another car.

Because that's just how the conversation was allowed to evolve in the UK.

No that is how Uk motorists allowed the scamming insurance companies to shaft them.

One car = one risk . the risk doesn't increase because you have 5 cars.You can't drive them all at once. Nor should an event in one increase the cost of all the others.It is purely scamming.

 

[The Wino]

You just ensure that the 'main ' driver drives more than the 'named' driver. When we were youn we insured an old banger 3rd party & left it in the road so that in the evnt of any problems we had another large' ncb' to use insuring another car.

No that is how Uk motorists allowed the scamming insurance companies to shaft them.

One car = one risk . the risk doesn't increase because you have 5 cars.You can't drive them all at once. Nor should an event in one increase the cost of all the others.It is purely scamming.

If though they charged everyone with 5 cars the same price as one car where would they recoup the loss in premiums? The number of claims would be the same as now and insurance companies don't make huge profits compared to any other industry the logic is then that premiums overall rise per vehicle. In the case of motorhomes I'm not sure the number of vehicles increasing doesn't mean increased use yes you can only drive one vehicle at a time but you might well be driving the MH when you would otherwise be sunning yourself on a package holiday so not driving anyway

 

[Millcourt]

One car = one risk . the risk doesn't increase because you have 5 cars.You can't drive them all at once. Nor should an event in one increase the cost of all the others.It is purely scamming.

Fair enough….up to a point. However, if you have 5 cars, that is 5 items which might be stolen rather than just one. We have 2 vehicles insured…..I might be driving one, my Wife out shopping driving the other. At least LV give a discount for multi-vehicle insurance on the same policy.

 

[philann]

Interesting article in the latest Boundless magazine from LV saying insurance has gone up because there are more claims, each one cost more to settle due to costs of parts and availability and length of hire car provision. They say of the premium 71% is payed out in claims, 14% to run the business, 12% in insurance tax and only 3% profit to reinvest in the company.

 

[Lenny HB]

You got insurance at £215! What are you insuring a mobility scooter? £215! That’s like half a weeks shopping, you got a kid working there! I’m gonna get on that Tesco page and get some quotes..

£215 HOW MUCH!
I only pay £129 and that's gone up from £105 which it was the last two years.

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[gus-lopez]

on a package holiday so not driving anyway

3 days was the most I ever did on a package holiday before I had to hire a car.Last weekend when the van was away from thursday night until monday was like a nightmare. Never going to happen again

 

[pagey]

£215 HOW MUCH!
I only pay £129 and that's gone up from £105 which it was the last two years.

yea but mines newer than yours and im older than you but only just

 

[Lenny HB]

yea but mines newer than yours and im older than you but only just

But mines bigger than yours.
Kia Venga.

 

[Hedgewitch]

Do what we did with my dad when he got too old to drive, my brother managed to lock the handbrake up so tight Dad couldn’t release it so decided himself not to bother driving again

We had an elderly relative who should not have been driving - slow reaction time, aggressive, absolute danger to everyone, but as a "man of a certain age" no-one was going to tell him what he could and could not do . . .

It was fortunate that his favourite son changed jobs and told a "white lie" - said there was no company car with the new role and could he please borrow Dad's car for a short while?* The father handed over the keys quite willingly and strangely - they were never given back

* we forgot to mention that the company car would arrive after a month with the new firm . . .

 

[pagey]

But mines bigger than yours.
Kia Venga.

ok you win

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[Tony50]

I've read most of the replies, I personally think I make no more mistakes than when I was younger Driving, In fact one year with a company car I had 3 mishaps, 2 not on the road!
A good driver drives carefully.
Those who advocate retesting I suggest ask for a retest. To me it's like saying to the Tax man I want to pay more tax so I can have a heart attack when they double my tax

 

[Molly A]

Why a Driving assessment from ,60 , ? If it's about Accidents /Claims those youngsters who are more likely ,and Statistics say have more accidents than older drivers, should they be reassessed?

They should definitely be made to retake their tests if their driving is considered dangerous. The problem with some older drivers, when they reach the 80s is that they are physically unable to see or respond as they should in order to be safe.As pointed out in my earlier post, many of the older drivers who were responsible for the worse claims in terms of liability were suffering visual, physical or cognitive impairment which should have precluded them driving. My MIL drove into her eighties, was always a very good driver until we started seeing scrapes and dents appearing on each corner of her car, at approximately the time we also noticed her becoming forgetful and vague. She claimed not to know how she had got them but a trip out with her made it all too clear...we persuaded her to sell the car , fortunately.

 

[VXman]

Fair enough….up to a point. However, if you have 5 cars, that is 5 items which might be stolen rather than just one. We have 2 vehicles insured…..I might be driving one, my Wife out shopping driving the other. At least LV give a discount for multi-vehicle insurance on the same policy.

I'm not convinced by multi vehicle policies either. I had one with Admirial some years ago. When it came to renew I did some individual quotes and it came out cheaper to insure each car separatly with 2 different companies than a multi car policy.

 

[Millcourt]

I'm not convinced by multi vehicle policies either. I had one with Admirial some years ago. When it came to renew I did some individual quotes and it came out cheaper to insure each car separatly with 2 different companies than a multi car policy.

It usually pays to shop around at each renewal. I suppose I have “too many eggs in one basket” with our house, travel and vehicle insurances all being with LV and qualifying for a discount. Also, I reached 80 in January and when I came to renew the insurance policy covering our car and motorhome with LV earlier this month, the renewal price had gone up considerably. I thought I would try a new on-line application with LV to see if this was less than the renewal price. My new application was not accepted because I was over 80. When I telephoned, I was told that they no longer offer new vehicle insurance to anyone aged 80+, but will renew cover for those already having a policy with them. Because of other commitments, I did not have time to shop around so just renewed. All being well, next year I will make sure I leave enough time to seek alternative quotes.

 

[Lenny HB]

When I telephoned, I was told that they no longer offer new vehicle insurance to anyone aged 80+, but will renew cover for those already having a policy with them

Very common with a lot of insurance companies, remember having that problem with my mum many years ago, she had to suffer a 100% increase on her car.

They just base it on age not taking into account health and fitness to drive. Having met you Brian you look fit and healthy but unfortunately there are so many 80 year olds that shouldn't be allowed anywhere near a car. I've met Alan the OP as well, he was fit enough to drink me under the table.

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[Reallyretired]

I was having a problem driving at night due to cataract, which is extremely common in those well stricken in years (Wogan). I have had one of mine done, second being done this week, and the difference is astounding. I have worn glasses for driving since my teens and now my eyesight is better than its ever been. The slight drawback of needing glasses to read is no real problem.

 

[Millcourt]

I was having a problem driving at night due to cataract, which is extremely common in those well stricken in years (Wogan). I have had one of mine done, second being done this week, and the difference is astounding. I have worn glasses for driving since my teens and now my eyesight is better than its ever been. The slight drawback of needing glasses to read is no real problem.

Really good to hear how much your vision has improved. I have always enjoyed driving at night, but I had started to find it really difficult with the glare and flare from oncoming headlights….. made worse by folk whose own eyesight is not what it used to be and who think fitting brighter lights, made even worse with incorrect dip patterns, is the answer to their problem.

It is now just over 15 months since I had my cataracts removed and good quality extended-range lenses implanted (not available unfortunately on the NHS). I no longer need to wear any glasses (which I have had to do for short-sightedness since the age of 10) and I am happy to drive at night once again.

I am sure it would be a good thing if more elderly folk who drive regularly visited their Optician?

SWMBO is now saying I need hearing aids…… the joys of getting older!

 

[Lenny HB]

I'm taking Mi to to eye clinic on Tuesday, we both knew we have cataracts forming but her right eye suddenly went cloudy over a month or two. Getting it sorted at a private clinic under the NHS, after an eye test she had the choice of ½ doz places and could be seen in a couple of weeks.

 

[Folkranger]

My mother in law looks likely to be paying about 5k this year to insure her car. She 93 and recently had a claim after driving through a red light.
I know that the OP isn't in the same category but I suspect that the insurers just look at the average number of claims that's not ageist it's reality

Most claims are due to young people.

 

[Folkranger]

The only people who would insure my Mum when she got to 87 were Aegis

At least they were Aegis and not Ageist

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[Folkranger]

I'm taking Mi to to eye clinic on Tuesday, we both knew we have cataracts forming but her right eye suddenly went cloudy over a month or two. Getting it sorted at a private clinic under the NHS, after an eye test she had the choice of ½ doz places and could be seen in a couple of weeks.

Lenny, My first eye cataract surgery failed in that I could see close up but blurry in distance so I asked them to do the second eye for distance. This gives me monovision. I can now see well, whether distance or close-up without glasses which I have not now worn for 15 years since the operations. My wife asked for the same (monovision) and her results are the same.

They don't seem to offer this but will provide it when asked. Really worth considering.

 

[Folkranger]

From the government's website on road statistics. This takes no account of the number driving in each category.

 

[Millcourt]

I'm taking Mi to to eye clinic on Tuesday, we both knew we have cataracts forming but her right eye suddenly went cloudy over a month or two. Getting it sorted at a private clinic under the NHS, after an eye test she had the choice of ½ doz places and could be seen in a couple of weeks.

Hope all goes well for Mi.

Lenny, I gave a detailed account of the options I was given when I had my cataracts done. This can be found at https://www.motorhomefun.co.uk/forum/threads/driving-glasses.281658/page-2 post no. 47. You may find what I said helpful, if you have not already seen this. There are also some very helpful comments in this thread from other contributers.

Post surgery, I think it took me about 3 months to feel really fine about my sight. I guess this may have been due to my brain adjusting after having worn spectacles for over 60 years for rather severe short-sightedness! Also, it took me a while to stop taking my (non-existent) glasses off when getting the shower and going to bed. 15 months on, I do not find the need for any glasses, other than sunglasses and a pair of very cheap over-the-counter reading glasses when I am reading for an extended period.

 

[Millcourt]

From the government's website on road statistics. This takes no account of the number driving in each category.

View attachment 876319

Apologies if I am just being a bit thick, but I am not sure what the numbers are in the column headed 2022. Are these the number of deaths for each gender/age-group?

 

[Folkranger]

Apologies if I am just being a bit thick, but I am not sure what the numbers are in the column headed 2022. Are these the number of deaths for each gender/age-group?

No, it's me that's a bit thick for posting the wrong chart.

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[The Wino]

Lenny, My first eye cataract surgery failed in that I could see close up but blurry in distance so I asked them to do the second eye for distance. This gives me monovision. I can now see well, whether distance or close-up without glasses which I have not now worn for 15 years since the operations. My wife asked for the same (monovision) and her results are the same.

They don't seem to offer this but will provide it when asked. Really worth considering.

If you do think of monovision it could be worth thinking of whether to go with dominant eye for distance so biased towards driving and it could be worth asking your optometrist to put some daily disposable contacts if for an hour or two to try and see how it feels. When I tried monovision with contact lenses for people some loved it others just couldn't adapt if you've had implants done you don't really want to try and do a lens exchange it's not as straightforward as the initial cataract surgery.
Cataract surgery usually has pretty predictable results but not always trying to aim for one distance and one near does increase slightly the chance of getting two prescriptions that don't work very well together

 

[Folkranger]

If you do think of monovision it could be worth thinking of whether to go with dominant eye for distance so biased towards driving and it could be worth asking your optometrist to put some daily disposable contacts if for an hour or two to try and see how it feels. When I tried monovision with contact lenses for people some loved it others just couldn't adapt if you've had implants done you don't really want to try and do a lens exchange it's not as straightforward as the initial cataract surgery.
Cataract surgery usually has pretty predictable results but not always trying to aim for one distance and one near does increase slightly the chance of getting two prescriptions that don't work very well together

Not sure about the dominant eye statement. My first eye which accidently turned out to favour close vision was my non dominant eye. This means my dominant eye is now my reading eye. I have no problems now with distance or reading. In fact I can see distance or close up better with both eyes than I can with either one.

I understand that not everyone takes well to monovision. When my wife asked for it the surgeon insisted that she had a month using monovision contact lenses. She hated the lenses but had no problem with monvision and went ahead. Great, no more specs for her either.

Your point about cateract surgery being predictable, my first eye was miles off. When I used the word "mistake" to the eye surgeon who measured my eye he said that it was "not an exact science"

 

[Folkranger]

You could then equally argue it's unfair to judge premiums by occupation or location and only on that particular persons claims history. But then people would say that's unfair as the three recent claims were all due to something that wasn't their fault. Yes insurance is a buisness why would they take on cover at a premium that means they're likely to make a loss?

There's a world of difference between the slight unfairness of averaging premiums for specific groups and the gross unfairness of taking away someones mobility due to being in an age group regardless of their actual ability.

 

[Folkranger]

I'm not convinced by multi vehicle policies either. I had one with Admirial some years ago. When it came to renew I did some individual quotes and it came out cheaper to insure each car separatly with 2 different companies than a multi car policy.

I'm on multi with LV and I did a price comparison in february and LV came out cheapest for all vehicles on at least four comparison sites. There was the odd company who matched one of the vehicle prices but none that beat all three.

 

[The Wino]

Not sure about the dominant eye statement. My first eye which accidently turned out to favour close vision was my non dominant eye. This means my dominant eye is now my reading eye. I have no problems now with distance or reading. In fact I can see distance or close up better with both eyes than I can with either one.

I understand that not everyone takes well to monovision. When my wife asked for it the surgeon insisted that she had a month using monovision contact lenses. She hated the lenses but had no problem with monvision and went ahead. Great, no more specs for her either.

Your point about cateract surgery being predictable, my first eye was miles off. When I used the word "mistake" to the eye surgeon who measured my eye he said that it was "not an exact science"

If you can see close to with it it's not as many miles off as some people I've seen with a "refractive surprise"!

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