£150 compulsary excess, no voluntary excess. Should also have mentioned that I put my partner (who has had license for 7 years) on as a common law partner which brought the price down by over a hundred quid.
I still haven't got my "Baby Oleg" teddy for buying through Compare the Market. I'm not best pleased.
Are they into the equalities thing and do you have to live together? What if I stuck a mate on and said we're a common law couple?
You see it does address the issues of premiums. I think on some figures I saw the average whiplash payout is 6-10k and there's hundreds of thousands if these claims going on. I've seen payouts of 80k+ for claims involving whiplash and these costs are reflected in the premiums everyone has to pay. Motor insurance claims are basically all paid out of one pot shared by insurers, although that's a very simplistic way of putting it. This is why the insurers along with government are trying to get legislation in place to combat whiplash claims. Trust me they are the one thing that pushes everybody's premiums up, although premiums have began to drop over the last 18mths as a whole.
I think you have to have lived together for at least a year. Something like that, I did look it up at the time to double check. We've lived together for 6 years and have copies of tenancy agreements to prove it if it ever came to it, however I don't see how they could prove whether two people were a couple or not so i'd imagine two friends living together could easily claim they were common law partners...
You have to live together. If you're a couple chances are you will share the driving more thus reducing the individual risk.
PLT you will find that the financial sector, which includes insurance is so stringently regulated nowadays that a reputable insurer or broker would not be able to offer you a 500 quid policy if there was another one the same on their system at 200 quid. All dealings with a client are kept on record for a minimum of 5yrs. At any given point the FCA can come in and audit files and you as an individual working in insurance and your company would have to justify not offering the 200 quid one and if found guilty of doing this simply for profit etc they would be punished very very severely and trust me the large insurance companies do not want that.
Actually PLT, he's bang on right. My mates dad was an insurance broker and he told me the exact same thing, even after leaving the job, he'd have absolutely no reason to lie to me or justify anything and he's not that sort of bloke anyway. And charging new drivers is wholly acceptable as they DO cause far more collisions. If new driver premiums were brought in line with senior drivers, there'd be a lot more chavvy riff raff scum with the intention of driving like an utter bellend on the roads as they would no longer be priced out, and insurance companies would all make enormous losses. It's the only way to do it, what else could possibly work?
Stolen and burned cars were another gray area until I believe stricter measures were put in place which have cut right down on it.
and why is it i have 10years no claims yet when car was off road for 2 years my insurance say ive lossed my no claims now....wtf
kinell you always portrayed yourself as a hard drinking fighting bohemian. Turns out your a boring ****ing insuranceman. you cant be both
Think about it, if you haven't driven on the road in 2 years you don't have the se experience as someone who has
Tell you what meet me in pub with your lass, I'll sup you under the table, sell you a policy, knock you out and them shag your bird. Is that better?
So how come company vehicle use doesn't count? Anyway, if someone's been driving for say 40 years without a bump, surely the law of averages says they must be a massive risk of having one imminently? And another thing...some bits of road are subject to more accidents than others, so surely that needs accounting for. I should get a discount for driving quickly through such stretches, so I'm there less time and therefore have less chance of being involved in an accident there.
Thats nowt, Stuart B works for a gay rights charity, OLM is a dance instructor and DMD is on the tills at Aldi.
