o/t car insurance

I would if I could but the car is a gift more than anything, I'm just paying for the insurance which is costing me £1k

 

Suited, as you seem to be in the know, why do they keep asking how much I've already been quoted?

I can only see it being so they offer me the most expensive they think they can get away with.

 

That could be correct or it could be that they may have use of a slight discount facility which they only may be able to apply if the client has a cheaper quote than what they have on screen

 

Cheers, I did ask and they said knowing the price helped them target the search, which sounded like a load of bollocks to me. I probably did my self no favours by refusing, but **** 'em, it's the principle of the thing. I told them at the start I wanted their best price, not some Dutch Auction.

 

Knowing the price can quite often help them target policies straight away or even stop you wasting your time CIA they may be able to tell you straight away whether they can even compete before you've had to give them all your info

 

That's the same thing and it's still ****ing disgusting

 

Age and postcode seem to have been the biggest factor for me. Passed at 19, got my first car a couple of months ago (I'm 24 soon) having not driven since passing. Managed to get insurance for just short of £300 on a 1.2 clio in Brid. No named driver experience, no no claims, literally no driving experience since passing.

 

Although you may think it, its not actually the same thing.

If you have a quote for £400 and they offer you one for £350 you've still saved £50. When all's said and done they are still businesses who need to try and make money, even though as I said before, motor insurance usually pays out more than it collects each year.

 

What are your excesses though?

 

Mine are alcohol and fry ups.

 

They should be giving you their best price regardless. Asking you what others you've got is just plain cheeky. If someone asked you that when trying to buy your car you'd tell them to **** off.

And this bollocks about them paying out more than they make needs putting to bed, if that was true they wouldn't be in the business. They trade on perpetuating these myths about how hard it is for them. When there's a flood or something you get some insurer saying how awful it is that they've had to pay out for claims, as if that's not what people have been paying them for over the previous incident-free years. Insurance companies are some of the most profitable around.

That's another one, excesses make **** all difference for young drivers. You can't defend the way they come up with these prices, it's completely and utterly wrong.

 

I'm sorry mate but you're wrong, check the figures, Motor insurance makes a loss most year.

I asked about excesses as the cheaper online policies always have astronomical excesses which means it not even worth making a claim if you have a crash.

 

The one reason your motor insurance premiums are so high is down to whiplash claims. A whiplash claim is near impossible to prove against so insurers end up having to pay out. Its the doctors you need to aim your anger at, they're the ones writing the medical reports for these people to claim.

 

Are there any figures that show if any particular demographic set are making more of those claims than another, and if so are their premiums loaded accordingly?

 

I haven't seen any, but from my experience its anyone and everyone although there are foreign gangs who deliberately go out on to the roads of the UK and will cause you to go into the back of them just so they can make whiplash claims. Its a very lucrative market.

 

I addressed this on page one. That's the one the companies go on about most and it simply doesn't address the issues with premiums, which are the same ones you're ignoring. Why don't they offer lower premiums to those who make an effort to reduce their risk? I've no doubt there's plenty of 'cash for crash' going on but it doesn't explain the insurance companies' completely unfair means of assessing your risk.

 

You're not wrong.

I had the slightest of scrapes about 5 years ago in my 5 series( please note PLT my choice of car is getting progressively better) the extent of which was my front number plate fell off.

The tit who was going way too fast and scraped my car had a tiny mark on a side strip on his rear off side door.


The f**ker claimed whip lash for him and his passenge, he was a taxi driver.


Odd thing was he never had a passenger. I fought tooth and nail to disprove him, in the end he dropped the whip lash claims(s), why would he do that if he actually had whip lash, after I gave the insurance company a statement to the effect it was a fraudulent claim?

He still got £700 for damages to his **** heap Volvo that was probably worth less than £500.

I think in the end my insurance company were just glad it wasn't a double medical claim which would have cost thousands and were happy to fork out the £700.

If I ever see the ****house again I'm going to ram him off the f**king road and hopefully into a water filled irrigation ditch.

That'll give him cause for a proper claim, providing he doesn't drown.

Which I hope he does.

 

Very good value actually Fully Comp.

 

It winds me up no end that as a result of someone driving into, and writing off, my stationary vehicle that I have to now pay £80 more a year for next 5yrs. Granted some insurance companies won't charge extra but my one (Hastings) will but I chose them as the cheapest. Why should I have to choose between paying for a more expensive insurance provider that doesnt load policy or the cheaper one that does load up policy because some other idiot cannot pay due care and attention to the road?

I agree with original post, give me your cheapest price straight away, none of this faffing about