read this ha ha
06 January 2011, 09:46 AM
#121
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The big issue here is Insurance company's can charge what they like, we have to have it to drive legally. The only way I see insurance going down is If the govenment get a grip on uninsued driver's and those making illegal claim's but then would the insurance company's reduce the policy's ? probably not , they will still want the larger profit they would make. If insurance wan't compulsary then we would get better quote's as they would want our business a we wouldn't need them.
Last edited by gammi0025; 06 January 2011 at 10:10 AM. Reason: spelling ?
06 January 2011, 10:10 AM
#122
The big issue here is Insurance company's can charge what they like, we have to have it to drive legally. The only way I see insurance going down is If the govenment get a grip on uninsued driver's and those making illegal claim's but then would the insurance company's reduce the policy's ? probably not , they will till want the larger profit they would make. If insurance wan't compulsary then we would get better quote's as they would want our business a we wouldn't need them.
You say about insurance not being compulsary.... would you be happy of someone hit your car wrecking it, neither of you choose to have insurance, so you loose the car?
Or if you have a fault claim yourself and don't get a penny.
Or someone crashes into you, you loose an arm or leg (or worse), can't work anymore, but don't get a penny.... so have to live the rest of your life potless?
Insurance is there for a reason.
Like i said before, if you don't ever claim it seems a rip off. If you do have to claim it's a bargain!
06 January 2011, 11:02 AM
#123
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well I live in Bradford- so try insuring yr car here, when we have the top rate of uninsured drivers in the UK. I think 4 out of eight national postcodes are Bradford alone.
think the last count was 27,000 uninsured drivers- heading towards 50% in some of the inner city postcode areas.
the overall standard of driving is unbelivably poor. I'm all for raising licence age to 21, ditto loading premiums as high as possible for youngsters.
My welcome back to Bradford on Tuesday- driving into work (after having had two weeks off at home in our lovely little Dales village and being away from it all)
was some fool trying to undertake traffic on the way into town by using a parking bay at 50/60 mph. nearly fookin carnage as the bays ran out.
they've even camered a main bus lane in the centre of town due to the amount of misuse- at its peak the council were issuing 1000 tickets a day !!!
the police have a "ring of steel" of cameras to track all illegal cars entering the city. Mate of mine is involved in the CCTV operations. He had a visit to the monitoring room over Xmas and the operator showed him the filters:
they have it set quite low: because if they turn it on for say:
no licence, no tax, no insurance, no MOT, suspected criminal/drug dealer- the system virtually goes into meltdown and they cannot get anywhere near to acting upon the info displayed.
We're not talking about chavs driving around in battered corsa/saxos/fords etc:
its high end audis/BMW's/range rovers/Q7's etc
in fact quite frequently the local press report on someone's seized Ferrari/lambo etc. recently some fool nearly took a house down by crashing his Ferrari (in a 30 mph quiet residential street naturally)
I'd hang the lot of them personally.
But its me and you paying the premiums. Having said that I'm not arguing with paying £350 a yr to insure my car, as its not some chaved up, half modded pile of poo, neither do I have some mental driving history either.
think the last count was 27,000 uninsured drivers- heading towards 50% in some of the inner city postcode areas.
the overall standard of driving is unbelivably poor. I'm all for raising licence age to 21, ditto loading premiums as high as possible for youngsters.
My welcome back to Bradford on Tuesday- driving into work (after having had two weeks off at home in our lovely little Dales village and being away from it all)
was some fool trying to undertake traffic on the way into town by using a parking bay at 50/60 mph. nearly fookin carnage as the bays ran out.
they've even camered a main bus lane in the centre of town due to the amount of misuse- at its peak the council were issuing 1000 tickets a day !!!
the police have a "ring of steel" of cameras to track all illegal cars entering the city. Mate of mine is involved in the CCTV operations. He had a visit to the monitoring room over Xmas and the operator showed him the filters:
they have it set quite low: because if they turn it on for say:
no licence, no tax, no insurance, no MOT, suspected criminal/drug dealer- the system virtually goes into meltdown and they cannot get anywhere near to acting upon the info displayed.
We're not talking about chavs driving around in battered corsa/saxos/fords etc:
its high end audis/BMW's/range rovers/Q7's etc
in fact quite frequently the local press report on someone's seized Ferrari/lambo etc. recently some fool nearly took a house down by crashing his Ferrari (in a 30 mph quiet residential street naturally)
I'd hang the lot of them personally.
But its me and you paying the premiums. Having said that I'm not arguing with paying £350 a yr to insure my car, as its not some chaved up, half modded pile of poo, neither do I have some mental driving history either.
Last edited by austinwrx; 06 January 2011 at 11:03 AM.
06 January 2011, 01:23 PM
#124
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I know that with several companies their loss ratio with internet business is 160% if that's any good?
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.
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.
. Hardly mate, im just echoing what was widely reported in the press a few years back, besides its liable if its written 
Last edited by chopperman; 06 January 2011 at 01:24 PM.
06 January 2011, 01:40 PM
#125
I'm not going to ask companies to send me breakdowns of their claims and profits just to keep you happy.
What you said about NU is massively incorrect, and i'd be interested to see if YOU can back up anything you've mentioned.
06 January 2011, 01:48 PM
#126
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What happens if some uninured driver hit's my car now? I have to pay my excess wtf why should I have to pay that ? If the accident is my fault then fair enough I don't mind paying it then. And insurence companys wouldn't compete against each other they all would benefit from keeping price's high.
I'mnot saying have car insurance like house and holiday insurance,but there must be a better way to do it than just saying you need insurance and the private companys will provide it as long as you pay what they want.
It just seems wrong that the people that pay the insurance are the one's who have to pay for other people's mistake's so the company make's a profit? why is it the people who don't pay insurance seem to be the one's who are better off. they get a slap on the wrist and maybe a ban but they don't have a licence to begin with so nothing lost?
I understand the insurance company's are there to make a profit but people need cars to get about , the public transport system stink's. where I work are moving to different premises I need my car to get to work as no buses run ( wouldn't use them as they are fullof *******). Some of the premiums i've seen my mates son's get is rediculus £3500 tpft for a 1.2 J reg Fiat punto the lad was 18 yeah but thats over twice the cars value and he is trying to abide by the insurance recomendations about getting a small engined cheap car low ins group but still they just rob you blind. It's about time the law abiding person was given a break in this country why should we pay for in our premiums for the people who don't get insurance. I'm going to get off my soap box now as I am getting stressed lol the country is back to front ? reward the law abiding people and punish the one's who don't its quite simple ...
I'mnot saying have car insurance like house and holiday insurance,but there must be a better way to do it than just saying you need insurance and the private companys will provide it as long as you pay what they want.
It just seems wrong that the people that pay the insurance are the one's who have to pay for other people's mistake's so the company make's a profit? why is it the people who don't pay insurance seem to be the one's who are better off. they get a slap on the wrist and maybe a ban but they don't have a licence to begin with so nothing lost?
I understand the insurance company's are there to make a profit but people need cars to get about , the public transport system stink's. where I work are moving to different premises I need my car to get to work as no buses run ( wouldn't use them as they are fullof *******). Some of the premiums i've seen my mates son's get is rediculus £3500 tpft for a 1.2 J reg Fiat punto the lad was 18 yeah but thats over twice the cars value and he is trying to abide by the insurance recomendations about getting a small engined cheap car low ins group but still they just rob you blind. It's about time the law abiding person was given a break in this country why should we pay for in our premiums for the people who don't get insurance. I'm going to get off my soap box now as I am getting stressed lol the country is back to front ? reward the law abiding people and punish the one's who don't its quite simple ...
06 January 2011, 01:57 PM
#127
What happens if some uninured driver hit's my car now? I have to pay my excess wtf why should I have to pay that ? If the accident is my fault then fair enough I don't mind paying it then. And insurence companys wouldn't compete against each other they all would benefit from keeping price's high.
I'mnot saying have car insurance like house and holiday insurance,but there must be a better way to do it than just saying you need insurance and the private companys will provide it as long as you pay what they want.
It just seems wrong that the people that pay the insurance are the one's who have to pay for other people's mistake's so the company make's a profit? why is it the people who don't pay insurance seem to be the one's who are better off. they get a slap on the wrist and maybe a ban but they don't have a licence to begin with so nothing lost?
I understand the insurance company's are there to make a profit but people need cars to get about , the public transport system stink's. where I work are moving to different premises I need my car to get to work as no buses run ( wouldn't use them as they are fullof *******). Some of the premiums i've seen my mates son's get is rediculus £3500 tpft for a 1.2 J reg Fiat punto the lad was 18 yeah but thats over twice the cars value and he is trying to abide by the insurance recomendations about getting a small engined cheap car low ins group but still they just rob you blind. It's about time the law abiding person was given a break in this country why should we pay for in our premiums for the people who don't get insurance. I'm going to get off my soap box now as I am getting stressed lol the country is back to front ? reward the law abiding people and punish the one's who don't its quite simple ...
I'mnot saying have car insurance like house and holiday insurance,but there must be a better way to do it than just saying you need insurance and the private companys will provide it as long as you pay what they want.
It just seems wrong that the people that pay the insurance are the one's who have to pay for other people's mistake's so the company make's a profit? why is it the people who don't pay insurance seem to be the one's who are better off. they get a slap on the wrist and maybe a ban but they don't have a licence to begin with so nothing lost?
I understand the insurance company's are there to make a profit but people need cars to get about , the public transport system stink's. where I work are moving to different premises I need my car to get to work as no buses run ( wouldn't use them as they are fullof *******). Some of the premiums i've seen my mates son's get is rediculus £3500 tpft for a 1.2 J reg Fiat punto the lad was 18 yeah but thats over twice the cars value and he is trying to abide by the insurance recomendations about getting a small engined cheap car low ins group but still they just rob you blind. It's about time the law abiding person was given a break in this country why should we pay for in our premiums for the people who don't get insurance. I'm going to get off my soap box now as I am getting stressed lol the country is back to front ? reward the law abiding people and punish the one's who don't its quite simple ...
None of us like it, but it's the law.
If anyone is so convinced they'll never need to use their insurance then get a cheap third party only policy, and don't protect your NCB.... that'll save you money, and you'll still be legal.
06 January 2011, 01:59 PM
#128
.... and i agree the non-insured drivers are a massive problem, but that's down to the government, not the insurance companies.
6 points and a £100 fine isn't enough of a punishment IMO
6 points and a £100 fine isn't enough of a punishment IMO
06 January 2011, 05:14 PM
#130
That said.... the Police will give you a £100 fine, but if you hit someone and cause £20k personal injury you'll be going to court and paying that yourself if un-insured.
06 January 2011, 05:42 PM
#131
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you would pay the 20k £5 a week for 50 years lol thought they started to cruch cars now ? I even heard they have a mobile crusher in manchester they driveto them and make you watch them crush your car ouch!!!
06 January 2011, 06:46 PM
#132
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well I live in Bradford- so try insuring yr car here, when we have the top rate of uninsured drivers in the UK. I think 4 out of eight national postcodes are Bradford alone.
think the last count was 27,000 uninsured drivers- heading towards 50% in some of the inner city postcode areas.
think the last count was 27,000 uninsured drivers- heading towards 50% in some of the inner city postcode areas.
The problem is they have let it get out of hand.
Useless.
06 January 2011, 10:22 PM
#133
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Come on, how many STI into WRX transplants have been done and "hidden" from the insurance ?
dunx
P.S. Not saying it's right...
dunx
P.S. Not saying it's right...
06 January 2011, 10:30 PM
#134
The crushing is a good idea, but you'd be amazed how many people ring us needing insurance straight away, as they didn't realise it ran out weeks of months ago. (Normally get.... ''yeah we got a letter about the renewal, but have been too busy to sort it out'')
Lots of these people are well to do men and women in their 40's and 50's, with £30k-£40k cars.
I don't think it'd go well if the Police started crushing nearly new BMW's/Merc's etc.... although there shouldn't be a different rule just because it's an expensive car.
06 January 2011, 10:33 PM
#135
That's why several insurers we use don't load too much for mods. If you've been honest enough to disclose them all they won't be too harsh on you.
07 January 2011, 12:29 PM
#136
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They should give you some leeway I mean if the car was insured then you have upto a month to insure it. I got stopped in Blackpool my car ( ford moneo at the time) shown up as not insured. I had renewed my insurance 2 months before but they didn't up date the database???. The policeman was polite he said your lucky I'm not back in manchester they would have towed it away leavingme with a bill of towing and then storage till proved it as insured? this is the second time and Insurance company has let me down luckily I wasn't in Manchester ...
07 January 2011, 01:09 PM
#137
They should give you some leeway I mean if the car was insured then you have upto a month to insure it. I got stopped in Blackpool my car ( ford moneo at the time) shown up as not insured. I had renewed my insurance 2 months before but they didn't up date the database???. The policeman was polite he said your lucky I'm not back in manchester they would have towed it away leavingme with a bill of towing and then storage till proved it as insured? this is the second time and Insurance company has let me down luckily I wasn't in Manchester ...
07 January 2011, 01:59 PM
#138
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They do normally but only during certain hours. I rang my insurance when I got home ( next day) they appoligised and when I enquired what would of happened If I had been in manchester they said they would pay for the car being towed away and any storage cost's as was there fault , so I suppose you can't argue with that.
Last edited by gammi0025; 07 January 2011 at 02:00 PM. Reason: spelling lol ....
07 January 2011, 05:56 PM
#139
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I know that with several companies their loss ratio with internet business is 160% if that's any good?
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.
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.
No offence meant of course pal (only cos the scooby renewal is next week
)
07 January 2011, 05:57 PM
#140
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07 January 2011, 06:08 PM
#141
Maybe slanderous was the wrong word (i ment libel), but saying that NU moved to India to escape trading standards is a load of crap, and as insurers regularly check these forums isn't a great idea to write it.
Last edited by Moley; 07 January 2011 at 06:11 PM.
10 January 2011, 10:40 AM
#142
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http://www.thetelegraphandargus.co.u..._smash/?ref=mr
update on the great driving in Bradford. Where this happened is all 30 mph. And yet chav boy was managing to go fast enough he killed someone.
3 new 30 mph speed cameras up on Thornton Rd over Xmas. The rest of country is getting them turned off, removed.
Its a truely awful place to drive in and out of.
update on the great driving in Bradford. Where this happened is all 30 mph. And yet chav boy was managing to go fast enough he killed someone.
3 new 30 mph speed cameras up on Thornton Rd over Xmas. The rest of country is getting them turned off, removed.
Its a truely awful place to drive in and out of.
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