Young women drivers facing a £1,000 rise in car insurance
14 February 2011, 04:58 PM
#121
All my NCD is on my traders policy now my issue is they will only pay me trade value on my impreza so im looking to insure seperatly so i get the full amount should i need to claim, Ive rang some insurers but to be honest they take details promise callls back and never do, i ant got the time to chase companies for quotes at the minute.
If you've been claim free for a number of years and have experience driving performance cars then it might not be too bad really.
14 February 2011, 05:27 PM
#123
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It would have to be a big crash to cost 15k to sort it.
As mentioned in another post, i have paid out a fortune over the last ten years with nothing to show for it but 10 bits of paper!
Because insurance is mandatory companies take the **** with it, why has my scooby insurance gone up for the past two years, i have accrued six years no claims but my premium is more expensive than when i had five years no claims, and that my friend, is b0ll0cks!
Ive half a mind to go TPFT, its less than 50 percent of fully comp and unless i crash into bentley at 60 mph i would always (always have and always will) fix the car myself and not even bother telling the insurance, you dont need to know if my missus backed into a post at tescos and its gona cost 150 quid to put right, if i claimed on my insurance my premium would go up by alot more than 150 quid so why claim?
insurance is b0llocks and i detest having to pay it!
14 February 2011, 05:30 PM
#124
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women should be priced on their sh1te driving skills, the amount of stupid old women in cars way too big for them that do three lane challenges is unreal, they start on the outside lane of a roundabout as if they are turning left then proceed to go to tescos on the right, cutting up the whole roundabout in the process, they may never have an accident themselves but they cause a hell of alot of them!
14 February 2011, 05:33 PM
#125
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i also want know why, if some old bag in a bmw 1 series drives into me when im parked up, does MY premium go up, i have done nothing but park up so why am i a risk all of a sudden?
14 February 2011, 05:36 PM
#126
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agreed statistics have proved that most accidents involve men but caused by woman, again though statistics are fudged to look exactly how the person giving them wants them to.
Statistics come from insurance companies, what insurance company is going to give a statistic that the press wil use to say they need to decrease prices, com on they arnt stupid, they just think we are.
Statistics come from insurance companies, what insurance company is going to give a statistic that the press wil use to say they need to decrease prices, com on they arnt stupid, they just think we are.
Last edited by JAutos; 14 February 2011 at 05:37 PM.
14 February 2011, 05:40 PM
#128
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10 years claim free over 15 200bhp plus cars and 3 300bhp plus cars.
Id be happy with a premium of around £700 which i think would be fair in my circumstances
14 February 2011, 05:45 PM
#130
im not having that mate, me and pretty much everyone i know have paid out at least 15k, probably nearer 20k over ten years for insurance.
It would have to be a big crash to cost 15k to sort it.
As mentioned in another post, i have paid out a fortune over the last ten years with nothing to show for it but 10 bits of paper!
Because insurance is mandatory companies take the **** with it, why has my scooby insurance gone up for the past two years, i have accrued six years no claims but my premium is more expensive than when i had five years no claims, and that my friend, is b0ll0cks!
Ive half a mind to go TPFT, its less than 50 percent of fully comp and unless i crash into bentley at 60 mph i would always (always have and always will) fix the car myself and not even bother telling the insurance, you dont need to know if my missus backed into a post at tescos and its gona cost 150 quid to put right, if i claimed on my insurance my premium would go up by alot more than 150 quid so why claim?
insurance is b0llocks and i detest having to pay it!
It would have to be a big crash to cost 15k to sort it.
As mentioned in another post, i have paid out a fortune over the last ten years with nothing to show for it but 10 bits of paper!
Because insurance is mandatory companies take the **** with it, why has my scooby insurance gone up for the past two years, i have accrued six years no claims but my premium is more expensive than when i had five years no claims, and that my friend, is b0ll0cks!
Ive half a mind to go TPFT, its less than 50 percent of fully comp and unless i crash into bentley at 60 mph i would always (always have and always will) fix the car myself and not even bother telling the insurance, you dont need to know if my missus backed into a post at tescos and its gona cost 150 quid to put right, if i claimed on my insurance my premium would go up by alot more than 150 quid so why claim?
insurance is b0llocks and i detest having to pay it!
So assuming there are two people in the car you're looking at £10k PI (if it's only whiplas and no other injuries), repair costs (minimum of £1k really) and £100+ per day hire car costs.
Then the repair cost for your own car (if you claim for that)
You'd be suprised how much a 'small' claim costs these days.
What people need to realise is that it isn't the cost to fix/replace your car, it's the cost the gets paid to the person you hit.
14 February 2011, 05:50 PM
#132
So are you saying every article i read, every report i see, and every underwriter i speak to are lying then?
If so can you back that up with your own figures?
14 February 2011, 05:52 PM
#134
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Agree in principle its people dont understand the cost details, but i do i have worked in insurance approved bodyshops and know the ins and outs as explained below but average whiplash isnt 5k, it used to be years ago now its more like 2k-3k, car repair costs to both parties i think could be a little higher than u estimate as hourly rates have gone up a alot over the last few years and hire cars agreed also
NO SUCH THING AS A SMALL CLAIM
I got £300 quid from a payout when a dozy old bloke reversed into my work van while it was parked up. he drove off but i followed him and he refused details and denied it so i passed his details to my insurance which was tradex at the time and they sorted it, i also passed details of around 10 witnesses which helped.A few scratches and they offered £300 cash payout as i said i prefer to repair my own car. It cost me a few quid to buff out.
NO SUCH THING AS A SMALL CLAIM
I got £300 quid from a payout when a dozy old bloke reversed into my work van while it was parked up. he drove off but i followed him and he refused details and denied it so i passed his details to my insurance which was tradex at the time and they sorted it, i also passed details of around 10 witnesses which helped.A few scratches and they offered £300 cash payout as i said i prefer to repair my own car. It cost me a few quid to buff out.
The average payout for whiplash is £5k per person.
So assuming there are two people in the car you're looking at £10k PI (if it's only whiplas and no other injuries), repair costs (minimum of £1k really) and £100+ per day hire car costs.
Then the repair cost for your own car (if you claim for that)
You'd be suprised how much a 'small' claim costs these days.
What people need to realise is that it isn't the cost to fix/replace your car, it's the cost the gets paid to the person you hit.
So assuming there are two people in the car you're looking at £10k PI (if it's only whiplas and no other injuries), repair costs (minimum of £1k really) and £100+ per day hire car costs.
Then the repair cost for your own car (if you claim for that)
You'd be suprised how much a 'small' claim costs these days.
What people need to realise is that it isn't the cost to fix/replace your car, it's the cost the gets paid to the person you hit.
14 February 2011, 05:54 PM
#136
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The average payout for whiplash is £5k per person.
So assuming there are two people in the car you're looking at £10k PI (if it's only whiplas and no other injuries), repair costs (minimum of £1k really) and £100+ per day hire car costs.
Then the repair cost for your own car (if you claim for that)
You'd be suprised how much a 'small' claim costs these days.
What people need to realise is that it isn't the cost to fix/replace your car, it's the cost the gets paid to the person you hit.
So assuming there are two people in the car you're looking at £10k PI (if it's only whiplas and no other injuries), repair costs (minimum of £1k really) and £100+ per day hire car costs.
Then the repair cost for your own car (if you claim for that)
You'd be suprised how much a 'small' claim costs these days.
What people need to realise is that it isn't the cost to fix/replace your car, it's the cost the gets paid to the person you hit.
And i find it hard to believe the average whiplash claim is 5k, two of my mates have had whiplash claims and both were under 2k, a work collegue got 2.2k and an ex missus got 2.3k, pretty short of a 5k average there.
if the 5k average is real why the **** are insurance companies (or anybody for that matter) paying 5k for a ******* whiplash claim, its completely over the top and should be stopped.
Ban all insurance in bradistan too, that place alone is worth 25 percent of the uk's whiplash claims i reckon
14 February 2011, 05:55 PM
#137
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Obviously you see me as not very bright, I clearly know what ive paid in insurance over the last ten years totalling around 20k.
I also clearly know that a claim as you say may wipe out more than i have paid in the last 10 years.Obviously depending on what damage i do to other cars and people etc.
Now what i would like you to explain is why its ok to charge me double on an impreza than say if i drive a mondeo.
The performance of the car I here you say. Doesnt wash with me really, If i can drive 200bhp+ cars from the age of 18 to my now age of 27 without putting one round a tree or having a head on collision in fact never having a accident at all. Then i guess ive proved i am experienced with this power and am capable of handling the car. 10 years is a long time and is long enough to evaluate the driving over if we are realistic.
Next Point yes i can drive home today and have an accident, i agree. But its more than likely a non fault accident as i am a statistically proven good driver.
Next point i can cause exactly the same amount of damage and costs to an insurance company through payout to 3rd parties in a modeo as i can my subaru. So whats the difference.
I also clearly know that a claim as you say may wipe out more than i have paid in the last 10 years.Obviously depending on what damage i do to other cars and people etc.
Now what i would like you to explain is why its ok to charge me double on an impreza than say if i drive a mondeo.
The performance of the car I here you say. Doesnt wash with me really, If i can drive 200bhp+ cars from the age of 18 to my now age of 27 without putting one round a tree or having a head on collision in fact never having a accident at all. Then i guess ive proved i am experienced with this power and am capable of handling the car. 10 years is a long time and is long enough to evaluate the driving over if we are realistic.
Next Point yes i can drive home today and have an accident, i agree. But its more than likely a non fault accident as i am a statistically proven good driver.
Next point i can cause exactly the same amount of damage and costs to an insurance company through payout to 3rd parties in a modeo as i can my subaru. So whats the difference.
Remember you don't just claim on insurance for accidents
Area, theft, nickability factor, I could go on (26, first Scoob at 21 so feel your pain)
14 February 2011, 06:02 PM
#138
Agree in principle its people dont understand the cost details, but i do i have worked in insurance approved bodyshops and know the ins and outs as explained below but average whiplash isnt 5k, it used to be years ago now its more like 2k-3k, car repair costs to both parties i think could be a little higher than u estimate as hourly rates have gone up a alot over the last few years and hire cars agreed also
That's according to The Insurance Times
14 February 2011, 06:03 PM
#139
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They work on probability with the statistical information they can gather. This sounds like one of the most stupid pieces of legislation to come out for quite some time - and that's saying something! Absolutely ridiculous. I'm literally lost for words here to describe how stupid this is.
14 February 2011, 06:04 PM
#140
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Hopefully you'll never find out. But say you were involved in anasty crash and you genuinely suffered whiplash injuries which caused pain, suffering (all that crap) but more importantly financial loss due to time off work, physio etc; what would be your stance then?
Genuine question as it does exist (trust me I've just had some Turkish dude bash into me last Thursday) and can cause serious issues either financially or physically.
14 February 2011, 06:04 PM
#141
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But that's just it, it's not sexism, it's statistical analysis and playing the percentages. If the insurance comopanies found that all people with blue eyes had more accidents than those with bornw or green eyes then if you had blue eye you would pay more. It is just a way of separating one group from another. As I said before it would only be sexist if the statistics didn't back up their actions.
14 February 2011, 06:06 PM
#142
It's people claiming off YOU (if you hit THEM), so doesn't matter how many people are in your car. Your insurers aren't paying for any injuries YOU have.
14 February 2011, 06:07 PM
#144
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Surely if im not gonna crash or let my car get nicked its free money for the insurance comapny cos i wont need to contact them ever again so they dont even spend money on post sale customer service, its free money from a captive audience, so why burn the good customers?
Its the ***** that cant drive a car properly or keep claiming pi should be heavily penalised.
Insurance should be based on previous form and ncb, i.e if you claim pi alot and have no ncb you premium should be massive.
if you have six years ncb and have never claimed pi you premium should be small!
its not difficult is it?
14 February 2011, 06:08 PM
#145
And i find it hard to believe the average whiplash claim is 5k, two of my mates have had whiplash claims and both were under 2k, a work collegue got 2.2k and an ex missus got 2.3k, pretty short of a 5k average there.
if the 5k average is real why the **** are insurance companies (or anybody for that matter) paying 5k for a ******* whiplash claim, its completely over the top and should be stopped.
That's down to the law, not the insurers
14 February 2011, 06:08 PM
#146
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Just wondering?
14 February 2011, 06:08 PM
#147
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14 February 2011, 06:10 PM
#148
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why will no one answer this, is it because the answer would make it obvious we are being screwed over by silly stuff like this?
14 February 2011, 06:12 PM
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Full NCB is 65% off the premium so if the premium is £1000 for the person with no NCB it will be £350 for the person with 6 years NCB or am I missing something here?
14 February 2011, 06:14 PM
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