Moley

iTrader: (9)

And you wonder why insurance is high

scooby seb

iTrader: (1)

Thats hilarious, sorry fella not having a dig or taking the pi55, but you really don't understand how hard bodyshops are screwed by ins companys, every year garage(service not b/shop) labour rates go up so around essex a main dealer labour rate for ford/vaux/renault is £75 an hour, bodyshops at most will get £30/35 for a private customer and get this you'll like it anywhere from £18 to £24 an hour for an insurance company and it keeps going DOWN, the insurance companys tell them what they will pay not what the b/shop will charge them!!!!!

They are now giving b/shops a £1000 to repair a car so yeah if it's a mirror they are quids in but most job's are well over a grand so they on a loss, that is why there is so many bodyshops closing down, i'm sure i read it's at a rate of 25 a month and there is only the BIG boys left

like i said not a pop or dig and not aimed a moley either, these are what the Big ins comps are doing

Moley

iTrader: (9)

Seb - so why when Mrs Moley had a scrape in her car was she quoted £850 by a bodyshop, then when we asked how much as a cash job did they say £200?

My mate owns his own bodyshop, and he does VERY well out of insurance jobs.

scooby seb

iTrader: (1)

i must be wrong then

Steve_PPP

iTrader: (3)

i know someone who recently had a dent sorted on their car from a prang. They weren't at fault (car was parked on street) and as it was caused by a company vehicle the driver kindly left a note.

The car had several other scrapes and dinks from other previous incidents. Garage sorted invoice for the job, but for the amount they billed the insurance company they painted half the car, came back looking new!

Sure it happens loads.

Moley

iTrader: (9)

I think the £1000 is something breakers pay for any written off car, in a deal with the insurers.

ie.... if they get a £500 banger then they loose out, but get a £30k Merc that's been written off then they're quids in.

That's how it works with the only breaker i know of. (figures could be slightly different though)

scooby seb

iTrader: (1)

Thats where we are(where i work) different, they will leave scratches/dings and scuffs and paint over them if it's not on the quote and it is disheartening really, but where i used to work, aslong as any extra damage(not incedent related) was'nt close the another panel that we weren't painting we would just do it but not at the cost of the ins company or anyone we would just do it for job satisfaction, all i am going by is what i hear the estimators pulling thier hair out over and when i used to deal with the ins egineers

Moley i will agree your mate probly is doing well (as my bosses are) but i bet if you asked him he has to do hell of alot more work as he/they would of done a few yrs back!!!!

chopperman

Funny the papers said insurance company's were blaming young drivers the other day. Yet more BS facts from money grabbing insurance company's. It's not as if we have the means to prove them wrong.
I once queried an excessive quote for motorcycle insurance. The reason given was "pillion claims". I then put a solo seat on the bike and registered it as a single seat. Did that bring down the quote? did it f*ck !
I've been driving for over 26 years and ive heard it all from these greedy insurance company's. I'm looking for quote for my 17-year-old son at the moment. A group 1 car with pass plus on TPFT 4k. Justify that ! When he reaches 20 they will then claim its lack of experience because these greedy *******s priced him off the road.
Oh another recent excuse " uninsured drivers". Oh the irony !

Moley

iTrader: (9)

Or maybe they're not wrong, did you ever consider that?
How long have you been in the business for exactly, and what claim stats do you look at as an expert?

Young drivers are the worse for PI claims, so technically it's all correct.

When your son has an accident and his 3 mates in the car with him all claim £4k each, make sure they give him a few £££ each to cover his premium.

Motorcycle premiums and excess are very low in my experience, so can't really comment, as i don't really get involved with bikes.

scooby seb

iTrader: (1)

Sorry fella missed your reply, the £1000 is for repairs and then if it goes over £4000 then they will pay up, like i said might be wrong but this is for only one of the big insurers, just hope the others don't follow suit!!!!

Moley

iTrader: (9)

Haven't ever heard of anything like that before

scooby seb

iTrader: (1)

neither had i till i started there we did a few contract repairs where its a big job and the insurance company say's you've got say 3k to repair the car but that includes parts,labour and paint and materials and basicly if the parts,paint and materials go over the 3k you do the job for free but you never see much profit out of the job, but that depends how hungry you was for work!!!!

Moley

iTrader: (9)

I guess it makes repairs keep the costs down, would have thought it'd encourage cutting corners though. What if you do the bodywork then discover a bent suspension leg that would put the bill over the £3k. Would it be ignored?

scooby seb

iTrader: (1)

If you did discover somthing like that you would have to swallow it or try and beg and plead with the insurance engineer to pay the extra, but for somthing like that you would go over it with a fine tooth comb when estimating it so not to find any thing later on but things do get missed

Moley

iTrader: (9)

Ouch!

initialD

iTrader: (2)

if u dont want people to drive uninsured dont charge so much !!

BIGboiSc00b87

Moley, Can you check your PM inbox plz matey.

BTW all, I got quoted £1167 just recently by admiral for fully comp on my 1994 WRX (import) with exhaust mods and spoiler and front splitter. I'm 23 and have 2 years NCB, 52 yr old mum as 2nd driver, 1 'non-fault' claim where my scoob was kindly reversed into with someone of a lower quality ****box (about 19 insurance groups less!) whilst PARKED at sainsbury's . Car all sorted, but when I checked prices I changed accidents in last 5 years etc to '0' from '1' and it was £100 cheaper...WTF!!!!...NON FAULT.....IT WAS PARKED FFS!!!!!!!!!!!!!!! bet the 'at fault' party aint feeling the pinch for THEIR accident.

Also, on my renewal from Admiral I had a quote of £1336, whereas when getting a fresh quote online with exact same details I got quoted the £1167?!...mmm

LUCKO

iTrader: (3)

get your source for this statement to advise you the % injury payout for asians v white males or females you will be dumbfounded they are taking the pi55 out of us all

chopperman

Well by that rationale it should be cheaper for young drivers to insure 2 seat cars. To say "when" my son has an accident with all his mates in the car is bollocks and stereotyping. I'm not in the business as you clearly are. I can tell by your obvious bias. What i do have is over 26 years of listening to new and wonderful reasons every year to increase the price of insurance policy's.
You imply young drivers WILL crash. The clue is in the name,Its called insurance not assurance, i take it you know the difference?

Moley

iTrader: (9)

Me and you know where the claims are coming from, but i'm a bit too PC to write it on here.

Young males are a big problem, but not the biggest by far

Moley

iTrader: (9)

Bias.... not at all, i just see the figures and understand where the problems are, rather than go on what my mates down the pub tell me

I only work for a broker, so i don't make up the prices, and i certainly agree prices are too high (i have to insure an Impreza and as second car aswell remember).
I just try to explain why the prices are high, rather than throw my toys out the pram moaning about increases, and how it's so unfair, etc...

Moley

iTrader: (9)

Can't afford it, don't drive. Simple.

Moley

iTrader: (9)

Yes of course i do.

scooby seb

iTrader: (1)

Moley, bit off topic can you guys do a 2 car policy!!!!!!

Moley

iTrader: (9)

Unfortunately not, can can mirror your NCB onto a second vehicle, so works out the same as a muticar policy anyway

scooby seb

iTrader: (1)

Can ya, that's great I'll be in touch march time: thumbs:

initialD

iTrader: (2)

im a car enthusiast, have been since i was 15 years old !!!!! ive been waiting patiently for 13 years to own and drive a scooby !!! and i want to drive it ! just dont agree with the fact that u have to be over thirty to wait for the cost to come down ! wot difference does age make ?

gammi0025

Don't get me started on Insurance company's. The only company's who have a captive market no where else are you by law required to pay a limited company money for a service. you don't need any other insurance and that shows in the premiums you pay.
It's a licence to make money, hence the reason the gov won't do owt about it and slapped insurence premium tax!(*****) plus the vat you will pay aswell? I'm not surprised people claim for wiplash when they are in a crash. If we didn't have to pay insurance ( like the idea of putting 3rd party only on Car tax) then the greedy insurance company's wouldn't have there captive market and proper market price's would take over... not aimed at you Moley as you work for a broker so don't make the price's. But don't make excuses for the greedy ***** either, some people need to drive, I need to drive to get to work no buses, trams or trains go anywhere near where i work so how would I get the 10 mile to work ? suppose I could stay at home and claim benefits now there's an idea!!!

JamesCB

Anyone got a screenshot? Link dead now.

dan83590

All the points raised have an impact on the price.

Claims push the price up, as does the fact that car insurance is a compulsory item. At the end of the day ALL insurance companies are there to make money and they'll will continue to push the envelope until they are told to stop.

You only have to compare the prices of all other types of insurance to car insurance to see this point in action.