read this ha ha
05 January 2011, 06:50 PM
#91
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Seems sexism is ok but racism is not?
05 January 2011, 07:19 PM
#92
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!!!
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!!!
And all the time they're earning VAT on the hire charges, repair costs, and solicitor fees do you think they'll change it?
05 January 2011, 09:23 PM
#93
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There claiming the recent rise on young lads crashing, im not sure many young lads could actually afford to have insurance for their mates to make pi claim's against. What young lad could afford 4k plus for a group 1 car ? not many so i say prove all these so called claims, it just does not add up. None of my 17 year old sons drive as they just can not afford it, so where are all these rich kids that can and are driving up our quotes ?
05 January 2011, 09:29 PM
#94
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Like I said earlier...
Car insurance companies are companies that are there to make money. Simple. And the money making bit could not be made any easier due to the fact that car insurance is compulsory.
Have you seen an insurance company trading from a sh!te old fashioned office before?
The more claims thing is a massive smoke screen IMO
Car insurance companies are companies that are there to make money. Simple. And the money making bit could not be made any easier due to the fact that car insurance is compulsory.
Have you seen an insurance company trading from a sh!te old fashioned office before?
The more claims thing is a massive smoke screen IMO
Last edited by dan83590; 05 January 2011 at 09:36 PM.
05 January 2011, 09:33 PM
#95
I haven't looked into what profits insurers are making, and what NU made 10 years ago doesn't mean much these days? (10 years ago i was 20 any paying £500 to insure an Astra GTE, but in those days PI wasn't such an issue)
I expect insurance companies are making a profit, but then they are a business, so why not? They aren't a charity.
We have massive amounts of paperwork to keep us FSA compliant, and insurers have to show the FSA how rates are made.
Of course, you seem to know more about these rates than the insurers and the FSA, so maybe they should ask you for advice.
I have no idea where these 17 year olds are getting insured.... it isn't with us for sure, but they must be getting it somewhere.
I expect insurance companies are making a profit, but then they are a business, so why not? They aren't a charity.
We have massive amounts of paperwork to keep us FSA compliant, and insurers have to show the FSA how rates are made.
Of course, you seem to know more about these rates than the insurers and the FSA, so maybe they should ask you for advice.
I have no idea where these 17 year olds are getting insured.... it isn't with us for sure, but they must be getting it somewhere.
05 January 2011, 09:44 PM
#97
Genuine question Chopperman..... i spend over £400 per month in Tesco (4 times what i spend on insurance), and they have profits of well over £3bn per year, why do you get so worked up over insurance when daily good are even more expensive?
I don't see any 'food shopping rip off' threads.
Insurance is something people like to moan about, but the cost per person to company profit is small compared to other business.
I don't see any 'food shopping rip off' threads.
Insurance is something people like to moan about, but the cost per person to company profit is small compared to other business.
05 January 2011, 09:44 PM
#98
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off topic a bit Gary but can you rush that cover note to me
so that i can tax the transit
thanks for today btw
top bloke
so that i can tax the transit
thanks for today btw
top bloke
05 January 2011, 09:51 PM
#100
05 January 2011, 09:53 PM
#101
05 January 2011, 09:57 PM
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05 January 2011, 09:59 PM
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05 January 2011, 10:16 PM
#105
less than £1.50/day at my age Scott
05 January 2011, 10:36 PM
#108
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i love the people who moan that there children can't afford insurance, make them get a job FFS then. when i passed my driving test my insurance was £2500 and i was earning £3 an hour, i still managed easily to pay that with petrol tax and repairs, i just made sure i didn't spunk my money down the pub all the time.
05 January 2011, 10:42 PM
#111
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Genuine question Chopperman..... i spend over £400 per month in Tesco (4 times what i spend on insurance), and they have profits of well over £3bn per year, why do you get so worked up over insurance when daily good are even more expensive?
I don't see any 'food shopping rip off' threads.
Insurance is something people like to moan about, but the cost per person to company profit is small compared to other business.
I don't see any 'food shopping rip off' threads.
Insurance is something people like to moan about, but the cost per person to company profit is small compared to other business.
. My grievance is their excuses not only change with the wind, they just don't add up. Why do you think Norwich union moved their operation to india just prior to trading standards raiding their offices ?? not rocket science mate ! I bet you moan about the greedy bankers, well insurance companies are cut from the same cloth. Remember the "names" scandal and how the government bailed them out ? Maybe im more aggrieved because im a good deal older than you so have heard more excuses and seen more abuses over the years.
05 January 2011, 10:54 PM
#112
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Moley just out of interest how many big insurence company's are there I mean the underwriter's that provide cover for all the other company's and brokers. Surly there is that many 10 maybe 20 tops. couldn't they get together and say ok fo rsuch an age group we will charge no less than this. Obiviously we need to be insured ( it's the law) so they have a captive market. Now if the govenment decide to add TPT insurance in with the car tax say covering the law side. we would then get a decent quote for fire and theft ( basic market value's supply and demand) and the govenment foot the bill for TPT and insure's still make a profit. That way everybody who has car tax has insurance.? And then you give a hefty sentence to car tax evader's. there is a lot of loop hole's there though like people claiming all the time but you could have different tax brackets like we do know for C02 emisions and so on ? what do you think?
05 January 2011, 11:00 PM
#113
maybe if you go on a supermarket forum you might, but this is a car forum and we were debating insurance . My grievance is their excuses not only change with the wind, they just don't add up. Why do you think Norwich union moved their operation to india just prior to trading standards raiding their offices ?? not rocket science mate ! I bet you moan about the greedy bankers, well insurance companies are cut from the same cloth. Remember the "names" scandal and how the government bailed them out ? Maybe im more aggrieved because im a good deal older than you so have heard more excuses and seen more abuses over the years.
. My grievance is their excuses not only change with the wind, they just don't add up. Why do you think Norwich union moved their operation to india just prior to trading standards raiding their offices ?? not rocket science mate ! I bet you moan about the greedy bankers, well insurance companies are cut from the same cloth. Remember the "names" scandal and how the government bailed them out ? Maybe im more aggrieved because im a good deal older than you so have heard more excuses and seen more abuses over the years.I've heard some excuses untrained call center staff give, and agree some of their excuses are bulls**t, but that's because they are phone/computer operators, not underwriters.
My point about Tesco was that companies are there to make money, and insurance is no different. Their profit margins are just less than many other business, that we personally spend more money on, but for some reason take on the chin and don't moan about.
Why aren't petol companies regulated as a similar example?
05 January 2011, 11:05 PM
#114
Moley just out of interest how many big insurence company's are there I mean the underwriter's that provide cover for all the other company's and brokers. Surly there is that many 10 maybe 20 tops. couldn't they get together and say ok fo rsuch an age group we will charge no less than this. Obiviously we need to be insured ( it's the law) so they have a captive market. Now if the govenment decide to add TPT insurance in with the car tax say covering the law side. we would then get a decent quote for fire and theft ( basic market value's supply and demand) and the govenment foot the bill for TPT and insure's still make a profit. That way everybody who has car tax has insurance.? And then you give a hefty sentence to car tax evader's. there is a lot of loop hole's there though like people claiming all the time but you could have different tax brackets like we do know for C02 emisions and so on ? what do you think?
I don't really know how many companies there are.... lots though. (sorry, i know that's not much help)
It's hard to stop at a miniumum premium, as how would someone in the Highlands of Scotland feel about having to pay the same price as someone in Bradford?
05 January 2011, 11:18 PM
#115
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If thats the case then why don't insurer's give a decent discount for extra driver training like passplus ? I know of quite a few people who don't get anything like the discount it cost them in lessons to get the thing?
Moley on a seperate thing please don't take my comments as a personal attack I am just commenting as a frustrated car driver. I know you haven't said anything but just wanted to say so. It's good to have a adult debate with people from both side's of the fence...
And I think your doing a top job sorting people's insurence out on here ( loads of people singing your praises)keep it up ( as the missus likes to say lol )
Moley on a seperate thing please don't take my comments as a personal attack I am just commenting as a frustrated car driver. I know you haven't said anything but just wanted to say so. It's good to have a adult debate with people from both side's of the fence...
And I think your doing a top job sorting people's insurence out on here ( loads of people singing your praises)keep it up ( as the missus likes to say lol )
05 January 2011, 11:18 PM
#116
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The government will never give tp cover with a tax disc, as that's where most of the claims come from (enless you believe Chopperman).
I don't really know how many companies there are.... lots though. (sorry, i know that's not much help)
It's hard to stop at a miniumum premium, as how would someone in the Highlands of Scotland feel about having to pay the same price as someone in Bradford?
I don't really know how many companies there are.... lots though. (sorry, i know that's not much help)
It's hard to stop at a miniumum premium, as how would someone in the Highlands of Scotland feel about having to pay the same price as someone in Bradford?
Yes Norwich union have offices in the uk but there records are kept in india out the way of the trading standards officers who at the time who wanted to see them.
05 January 2011, 11:22 PM
#117
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i love the people who moan that there children can't afford insurance, make them get a job FFS then. when i passed my driving test my insurance was £2500 and i was earning £3 an hour, i still managed easily to pay that with petrol tax and repairs, i just made sure i didn't spunk my money down the pub all the time.
05 January 2011, 11:39 PM
#118
If thats the case then why don't insurer's give a decent discount for extra driver training like passplus ? I know of quite a few people who don't get anything like the discount it cost them in lessons to get the thing?
Moley on a seperate thing please don't take my comments as a personal attack I am just commenting as a frustrated car driver. I know you haven't said anything but just wanted to say so. It's good to have a adult debate with people from both side's of the fence...
And I think your doing a top job sorting people's insurence out on here ( loads of people singing your praises)keep it up ( as the missus likes to say lol )
Moley on a seperate thing please don't take my comments as a personal attack I am just commenting as a frustrated car driver. I know you haven't said anything but just wanted to say so. It's good to have a adult debate with people from both side's of the fence...
And I think your doing a top job sorting people's insurence out on here ( loads of people singing your praises)keep it up ( as the missus likes to say lol )
The biggest problem with Passplus is that it doesn't stop the youngsters driving like **** with their mates in the car.
05 January 2011, 11:42 PM
#119
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Luckily mine has gone down abit and I was lucky to find Gary when I got my impreza's otherwise I would of struggled, but the money I do have to pay is more than enough to cover the smiles per mile I get nowadays lol.
05 January 2011, 11:44 PM
#120
Do you really believe that about Norwich Union? Is so you're very mistaken
It's actually slanderous, you could get yourself into a lot of trouble making incorrect statements like that.The FSA are allowed to walk into any company that sells insurance in the UK.... where ever their offices are.