1. Log in now to remove adverts - no adverts at all to registered members!

Why Car Insurance Is So Expensive

Discussion in 'General Chat' started by The-Don, Apr 17, 2012.

Page 1 of 3
  1. The-Don

    The-Don Well-Known Member

    Joined:
    Jan 27, 2011
    Messages:
    9,655
    Likes Received:
    927
    Interesting read regarding car insurance

    http://www.arrse.co.uk/cars-bikes-n-afvs/179927-insurance-fraud.html
     
    #1
    The-Don, Apr 17, 2012
  2. Vilsmeier-Haack Reaction

    Vilsmeier-Haack Reaction Well-Known Member

    Joined:
    Jan 27, 2011
    Messages:
    11,691
    Likes Received:
    1,014
    Link fail
     
    #2
    Vilsmeier-Haack Reaction, Apr 17, 2012
  3. Mick

    Mick Probably won't answer PMs
    Staff Member

    Joined:
    Jan 20, 2010
    Messages:
    11,322
    Likes Received:
    907
    It's one of these cases where insurance scammers do cost the rest of us more money because we are, after all, legally bound to purchase car insurance.

    In terms of sympathy for the insurance companies - they can suck my fat hairy balls. They routinely engage in practices morally no worse than the people who are scamming them, looking for an edge on the other side to derive profit.
     
    #3
    Mick, Apr 17, 2012
  4. The-Don

    The-Don Well-Known Member

    Joined:
    Jan 27, 2011
    Messages:
    9,655
    Likes Received:
    927
    How come the links failed? Anyone
     
    #4
    The-Don, Apr 17, 2012
  5. Peter the spastic paedo

    Peter the spastic paedo New Member

    Joined:
    Feb 26, 2011
    Messages:
    2,347
    Likes Received:
    56
    #5
    Peter the spastic paedo, Apr 17, 2012
  6. The-Don

    The-Don Well-Known Member

    Joined:
    Jan 27, 2011
    Messages:
    9,655
    Likes Received:
    927
    Cheers pal
    Mine cost me 1350 quid for year that's with 5 years ncb but I do live in Dewsbury lol
     
    #6
    The-Don, Apr 17, 2012
  7. Peter the spastic paedo

    Peter the spastic paedo New Member

    Joined:
    Feb 26, 2011
    Messages:
    2,347
    Likes Received:
    56
    £244 with 12 years NCB,down from £301 last year,only got an old focus though.
     
    #7
    Peter the spastic paedo, Apr 17, 2012
  8. The-Don

    The-Don Well-Known Member

    Joined:
    Jan 27, 2011
    Messages:
    9,655
    Likes Received:
    927
    Bloody hell that's good mines a vxr astra like but still expensive
     
    #8
    The-Don, Apr 17, 2012
  9. Glesgabhoy67

    Glesgabhoy67 Well-Known Member

    Joined:
    Aug 4, 2011
    Messages:
    1,361
    Likes Received:
    26
    The car insurance information is sound albeit with a severe racist overtone ... the whole tab (I didn't explore the rest of the forum) seems to be filled with Racism.

    This particular breakdown was quite amusing though:

    Basically starts out saying he isn't racist and within a few words becomes a raving lunatic EDL type. <laugh>
     
    #9
    Glesgabhoy67, Apr 17, 2012
  10. Vilsmeier-Haack Reaction

    Vilsmeier-Haack Reaction Well-Known Member

    Joined:
    Jan 27, 2011
    Messages:
    11,691
    Likes Received:
    1,014
    if ever in an accident always take photos of the scene and damage.
     
    #10
    Vilsmeier-Haack Reaction, Apr 18, 2012

  11. Sam Axe

    Sam Axe Active Member

    Joined:
    Jan 31, 2011
    Messages:
    7,355
    Likes Received:
    7
    It's because of chavvy ****s who make whiplash claims even though there is **** all wrong with them. I remember years ago Sean Quinn used to do anything possible to get out of paying such frivolous claims and was slammed for it, now insurance companies get slammed because they can't avoid paying out.
     
    #11
    Sam Axe, Apr 18, 2012
  12. Glesgabhoy67

    Glesgabhoy67 Well-Known Member

    Joined:
    Aug 4, 2011
    Messages:
    1,361
    Likes Received:
    26
    One of the biggest car insurance fraud issues has been carried out by middle class families for years. Blaming chav's and ethnic minorities for insurance fraud alone is a bit ridiculous.

    Insurance companies call it "fronting", probably quite a few on this forum have done it. Basically a parent claims to be the main driver of a car and uses their No claims discount even though they have no intention of driving the car, it is their 17yr old. It misrepresents the risk and means that people who should be paying more for car insurance aren't. That drives up others insurance premiums too, including honest 17yr old's who put the policy under their name.
     
    #12
    Glesgabhoy67, Apr 18, 2012
  13. Vilsmeier-Haack Reaction

    Vilsmeier-Haack Reaction Well-Known Member

    Joined:
    Jan 27, 2011
    Messages:
    11,691
    Likes Received:
    1,014
    <whistle> .........<laugh>
     
    #13
    Vilsmeier-Haack Reaction, Apr 18, 2012
  14. Gambol

    Gambol George Clooney's wee brother

    Joined:
    Jan 22, 2010
    Messages:
    59,967
    Likes Received:
    17,497
    Canny really blame parents for "fronting" for their kids. The premiums for teenage drivers are ****in scandalous. The insurance companies are taking the piss on that one.
     
    #14
    Gambol, Apr 18, 2012
  15. Glesgabhoy67

    Glesgabhoy67 Well-Known Member

    Joined:
    Aug 4, 2011
    Messages:
    1,361
    Likes Received:
    26
    It represents the risk though, there is a very high percentage chance that a 17yr old driver will crash in their first year of driving. A lot of people will complain that the premium costs more than the car, however they forget the car is usually the smallest part of any claim, if your 17 yr old hits a BMW with a doctor in it that now can't work then that's where the cost is.

    Insurance is trying to find ways to make young drivers insurable again such as tracker boxes to check driving etc, but you can't really blame them for wanting to charge a high rate if there is a high chance of a claim. Much like you wouldn't blame the bookies for setting low odds on a sure thing.
     
    #15
    Glesgabhoy67, Apr 18, 2012
  16. Gambol

    Gambol George Clooney's wee brother

    Joined:
    Jan 22, 2010
    Messages:
    59,967
    Likes Received:
    17,497
    I'm beginning to suspect you work in insurance. <laugh>
     
    #16
    Gambol, Apr 18, 2012
  17. drylunch

    drylunch Member

    Joined:
    Jan 11, 2012
    Messages:
    207
    Likes Received:
    1
    im 18 and a first year driver with a 1.2 2003 corsa and even with completing pass plus my insurance is £2800!
     
    #17
    drylunch, Apr 18, 2012
  18. Glesgabhoy67

    Glesgabhoy67 Well-Known Member

    Joined:
    Aug 4, 2011
    Messages:
    1,361
    Likes Received:
    26
    <laugh> possibly <whistle>
     
    #18
    Glesgabhoy67, Apr 18, 2012
  19. Glesgabhoy67

    Glesgabhoy67 Well-Known Member

    Joined:
    Aug 4, 2011
    Messages:
    1,361
    Likes Received:
    26
    Doesn't matter about the 1.2 2003 Corsa, told you already, your car is the least of the worries, if it was legal for you to just drive with insurance for your car your premium would be £300 tops ... its who you might hit that is the problem. The pass plus typically takes off about 5% most places, but 1 year NCD will be worth about 25 - 40% next year, try not and hit anything and then shop around at renewal and you'll have some spare cash next year <ok>
     
    #19
    Glesgabhoy67, Apr 18, 2012
  20. Bib Fortuna's Maw

    Bib Fortuna's Maw Well-Known Member

    Joined:
    Nov 15, 2011
    Messages:
    11,733
    Likes Received:
    748
    #looks across the office to see if anyone's on Not606#

    :bandit:
     
    #20
    Bib Fortuna's Maw, Apr 18, 2012
Page 1 of 3

Share This Page