Does anybody bother with car insurance? (1 Viewer)

sedge

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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 .....
 

laneside

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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

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GJH

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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

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.
 

artona

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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.
 

ShiftZZ

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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....

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scotjimland

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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

Link Removed
 

Jim

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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.
 

GJH

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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.

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chrisgreen

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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.
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:ROFLMAO::ROFLMAO:
 

Jim

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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.
 

Gran & Rog

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I guess we all do (Funsters I mean) its the others that don't and cause mayhem:Angry:

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Jim

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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:ROFLMAO::ROFLMAO:

Funnily enough he's just vollunteered to run Katie to School in the car. The village school Is about 600m away::bigsmile:
 

GJH

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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.

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.
 

ShiftZZ

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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...

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BobProperty

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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.
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.
 

lorger

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So when did this become law and do i need it for the motorhome too
 

Wildman

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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.
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.

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Swift

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Why do cyclists not pay 'road fund licence' as well then, they use the road and should fund some of it?
 

laneside

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It would be nice if careful drivers got a bit more consideration from insurance companies of course at the expense of careless drivers hurt em hard they may wake up and think more-----nah

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Nov 30, 2009
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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.

OMG
what car is he insured for jim? Is it a sporty thing ? Or just his age ?
Our Jacobs wanting driving lessons now hes 17 . think i might try put him off for a bit !
 

peter H

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Not bought insurance or a tax disc for any of my cars for over 20 years.
Don't intend to start either.

Peter
 

laneside

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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


Just had a thought----privatise this and watch how many get caught --now socialists argue this one

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BobProperty

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OMG
what car is he insured for jim? Is it a sporty thing ? Or just his age ?
Our Jacobs wanting driving lessons now hes 17 . think i might try put him off for a bit !
Almost certainly just his age. We are paying just short of £3000 for a 1.2 Clio.
 

Mavis

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If your not insured you cant get MOT or Tax Disc so how are they getting away with all that when there are so many Camera's taking pictures all the time ??
 

Jim

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OMG
what car is he insured for jim? Is it a sporty thing ? Or just his age ?
Our Jacobs wanting driving lessons now hes 17 . think i might try put him off for a bit !

Age, the first drop is not untill they are 19 and even then its small. The average for a 17 year old male is around £3000 at the mo. Thats £60 quid a week before tax and fuel, now that is a lot of taxis, but they won't have it, they want a car! Especailly where we live. :Cool:
 

motor roamin

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Age, the first drop is not untill they are 19 and even then its small. The average for a 17 year old male is around £3000 at the mo. Thats £60 quid a week before tax and fuel, now that is a lot of taxis, but they won't have it, they want a car! Especailly where we live. :Cool:

In fairness Jim didn't we all I can remember being quoted £350 TFT when I was 17 on a 3.8 Jag thats when I got my first Motor Traders Comp £165.00 still on the same policy this year £2700.00 gone up a bit :ROFLMAO:

All the best Rick
 
Nov 30, 2009
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Age, the first drop is not untill they are 19 and even then its small. The average for a 17 year old male is around £3000 at the mo. Thats £60 quid a week before tax and fuel, now that is a lot of taxis, but they won't have it, they want a car! Especailly where we live. :Cool:

Gosh thats a hell of a lot.
Im glad Jacobs happy ( for now :RollEyes:) with the rail and road card.
Which costs about the same £60 for a month . But then again we are not right out in the sticks. So he can have unlimited travel , all times of the day.

Its a shame because not all kids are boy racing petrol heads , who want to show off with their mates in the car. Just like not all elderly like driving at 20 mph around roundabouts and up dual carriage ways the wrong way :ROFLMAO:

It would be a lot easier for Jacob to get to the aviation college at Leeds / Bradford airport by car , from where we live .
Rather than him having to set off at 6.40 am and get 3 buses , or 2 buses and 1 train to get there.
His Gran has given him some money for driving lessons for getting good exam results , Knowing this i may just let him spend it on something else now , like he was wanting to .

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