Phil57
Prominent Member
Your current insurance is £400, last year was £600 greater than the previous, how much was the previous-how does this compute?
Last edited:
Seriously, you don't get the point of the post?
Jesus.
He's making the point, in his younger days, he was a bit of a speed freak, these days not.
It isn't rocket Science.
I despair sometimes, really.
He now UNDERSTANDS why the prem....OMG, I can't believe I almost bothered
Your current insurance is £400, last year was £600 greater than the previous, how much was the previous-how does this compute?
Not from what I've seen, all these quotes are for a 1.2ltr Corsa, I'm 28, my wife 26. Both in stable professional careers, live in a sleepy sea side town, car in a locked garage. No points ever on either of our licences. I know its not the claim I made almost 3 years ago, cause if I do a compare without it, its the same price!
KhalJimbo said:Basically I'm just seeing massive fluctuations in quotes from £350 to £1000. Surely that means there are no standards these companies follow and each company can charge as much as they deem appropriate?
dan yeates said:Really?!
I insure a 3.0 litre BMW Z4 for £400 and I'm 27. By the way, keeping it in a garage is the most expensive option for car insurance. Cheapest was residents parking area for me. Go figure!
Try different occupations as well. I'm in boat sales, but opting for ship broker was a lot cheaper than salesman, sales assistant, sales manager etc....
That's cheap, I pay more on my civic type r and I'm 29 with 10 years ncb!
squiffy makes a good point - some insurers target certain areas of the market and some occasionally go for market share and write business at a loss. A lot of insurers lose money - it isn't like the electric / gas companies etc who make billions and still bend us over at regular intervals..
Insurance has to exist because some people are very poor at driving - the potential costs of a catastrophic claim (millions) are more than any one person would be able to afford so we all have to put money in the pot to protect the innocent motorists / pedestrians etc who get crashed into or run over.
If I had an expensive car I'd want to insure it to protect my investment, but Ive never been that fortunate and only ever had cheap old cars, so I couldnt care less about insuring them and hate being forced to pay it.
it's about you not being screwed (possibly for life) over death/injury to someone else due to your driving, and about them/their dependents being compensated in that eventPersonally, I dont get why insurance isnt optional
But in many cases its more expensive than fully comp But the way I see it thats why they would take insurance out for themselves. Insurance is something you buy to protect yourself, not something you buy to protect everyone else?That's what third party only insurance is for, that's the only insurance you are legally required to have Insuring your own vehicle is completely optional
As above really, isnt that why they take an insurance policy out? Why am I forced to pay for insurance in such an event. Sure I accept you have to accept responsible for your actions, but if I killed someone due to my driving, I wouldnt expect a claim form to make it all better, I'd expect to go to prison (which obviously does happen). I guess I just dont like how its setup right now, in that everyone buys insurance to protect everybody else, rather than themselves, its just a money spinner that forces everyone to pay whether they like it or not, and for certain events to end up with multiple policies covering those events even though duplicate payments would not be made should those events occur.it's about you not being screwed (possibly for life) over death/injury to someone else due to your driving, and about them/their dependent being compensated in that event
Insurance is something you buy to protect yourself, not something you buy to protect everyone else?
Insurance is something you buy to protect yourself, not something you buy to protect everyone else?
imightbewrong said:You are protecting yourself from being financially ruined by causing an accident. That accident doesn't have to involve hitting another car.
But uninsured drivers dont make any claims.Actually you do as part of your premium accounts for uninsured drivers
But thats kinda my point, if you want to protect yourself, get insurance, if your not bothered, then you shouldnt be forced to.You are protecting yourself from being financially ruined by causing an accident. That accident doesn't have to involve hitting another car.
But suppose you entirely blameless. In any case, that shouldnt even come into it, because if they wanted protection, then in my scenario, they would have done so by buying their own insurance, life / injury cover etc, which many do purchase. What about the NHS everyones also forced to pay for (I agree with that), isnt that supposed to support people in need, i.e everything required to get such a person back to a point they dont need hospital care anymore, then if they have a resultant disability, isnt that what disability benefits pay for that everybody already contributes to. How many times does a particular event scenario need to be paid for. If I hit someone, ignoring blame issues for the minute, is it right that this event is covered by possibly my insurance, their insurance, the NHS, and the disability benefits system. Thats 4 times the event has been covered by payments the affected make, but the event is a singular occurrence. Whats more the NHS and benefits system is indefinite as long as its sustainable, which it is if its run correctly.Exactly
Say insurance isn't compulsory, you don't have it and hit somebody. There in a wheel chair for life and need care everyday. You now have to pay for this care. You can't afford it, you've ruined someone else's life as well as yours and your families. You can no longer afford to provide for your family after all the money for care has come out your wages.
Sounds over the top, but there will be someone who this has happened to, where as someone's insurance will have to pay for this care for the rest of someone's life, could run into millions of pounds
But thats kinda my point, if you want to protect yourself, get insurance, if your not bothered, then you shouldnt be forced to.
So would you get insurance for walking around the town with your family?
But uninsured drivers dont make any claims.
You still have to pay for any claim on their behalf as the claims against them goes via MIB. How else do victims of uninsured car drivers get any compensation