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Insurance #1055219
3rd May 2018 1:17pm
3rd May 2018 1:17pm
Joined: Aug 2005
Posts: 16,243
New Brighton
_Ste_ Offline OP
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_Ste_  Offline OP
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And this people is why you are paying so much for car insurance.....

Clicky

no

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Re: Insurance [Re: _Ste_] #1055220
3rd May 2018 3:00pm
3rd May 2018 3:00pm
Joined: Oct 2011
Posts: 1,909
Wallasey
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Salmon Offline
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A terrible price to pay for a bit of fun that went wrong. There are 35 million cars on GB roads, estimates say app 500,000 are driving uninsured, so spread among all those who are insured this single payout won't have much impact on premiums.

Re: Insurance [Re: Salmon] #1055225
3rd May 2018 7:01pm
3rd May 2018 7:01pm
Joined: Aug 2005
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New Brighton
_Ste_ Offline OP
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Originally Posted by Salmon
A terrible price to pay for a bit of fun that went wrong. There are 35 million cars on GB roads, estimates say app 500,000 are driving uninsured, so spread among all those who are insured this single payout won't have much impact on premiums.


This is just one of many uninsured vehicle claims that come out of our pockets salmon.

It all adds up.

Re: Insurance [Re: _Ste_] #1055234
3rd May 2018 7:40pm
3rd May 2018 7:40pm
Joined: Jul 2008
Posts: 13,633
Birkenhead
diggingdeeper Offline

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It is estimated that the Motor Insurance Bureaux adds about £30 on average to each insurance premium.

It is wrong that uninsured vehicle claims come from people that insure their cars, it should come from the Criminal Injuries Compensation Scheme. Its the Government's job to ensure all motorists are insured not the MIB and not the people that insure their cars, its a Government failure so should come out of central funds.

Yet another way the Government has saved money to give away to the few!


The further you are down the pay scale, the more 'essential' you are when the s--- hits the fan... Sue Farbysmith 2020

Insults are engendered from vulgar minds, like toadstools from a dunghill - Charles Caleb Colton

We don't do charity in Germany, We pay taxes. Charity is a failure of governments' responsibilities - Henning Wehn
Re: Insurance [Re: _Ste_] #1055293
6th May 2018 9:07am
6th May 2018 9:07am
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Excoriator Offline
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Quote
It is estimated that the Motor Insurance Bureaux adds about £30 on average to each insurance premium.


I'm sure they do. But the reason is to make bigger profits. If uninsured drivers disappeared, they would pocket the money and we'd be paying the same. If you ask me, the biggest rogues of all are the insurance companies.

Re: Insurance [Re: Excoriator] #1055297
6th May 2018 4:09pm
6th May 2018 4:09pm
Joined: Jul 2008
Posts: 13,633
Birkenhead
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Originally Posted by Excoriator
If you ask me, the biggest rogues of all are the insurance companies.


True to a point, insurance can make huge profits but also can make huge losses, its generally a high risk business so you don't expect them to have small margins. However in the case of car insurance the risk over many car insurances is probably pretty minimal but to further minimise their risk they use general underwriters who don't distinguish between different markets so much, its more like a cash bet than a specific insurance.


The further you are down the pay scale, the more 'essential' you are when the s--- hits the fan... Sue Farbysmith 2020

Insults are engendered from vulgar minds, like toadstools from a dunghill - Charles Caleb Colton

We don't do charity in Germany, We pay taxes. Charity is a failure of governments' responsibilities - Henning Wehn
Re: Insurance [Re: _Ste_] #1055325
8th May 2018 7:34am
8th May 2018 7:34am
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I don't believe the 500,000 figure. It may have been true at one point, but in recent years police have ANPR equipment which is linked to the insurance companies so they can within seconds tell whether you have insurance or not. It works too, sort of. My wife was stopped a day or two after I had renewed our insurance. The information hadn't reached the cops and I was telephoned for details of the policy. I am pretty sure that the number of uninsured drivers has fallen to a negligible percentage, which is why insurance companies are advertising that you are covered against accidents due to uninsured drivers. They are very well aware that the chances of this happening are now pretty close to zero.

It is not uninsured drivers that are adding £30 to your insurance premium. It is your insurance company.

I have always taken the point of view that if you can afford the loss yourself, then you should not take out insurance against it. With motoring you could be liable for millions so you have to be insured, but I NEVER take out extended guarantees on things like 'fridges and washing machines.

It is a gamble, and as with bookies, the odds are very much in favour of the insurance companies. Avoid insurance whenever you can.

Re: Insurance [Re: _Ste_] #1055326
8th May 2018 9:14am
8th May 2018 9:14am
Joined: Jul 2008
Posts: 13,633
Birkenhead
diggingdeeper Offline

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The 500,000 includes stolen vehicles and unlicensed/banned drivers etc as well as cars that are insured but not for the whole family to drive. It soon adds up. Merseyside traffic cops pull a few every night, some by sheer luck.


The further you are down the pay scale, the more 'essential' you are when the s--- hits the fan... Sue Farbysmith 2020

Insults are engendered from vulgar minds, like toadstools from a dunghill - Charles Caleb Colton

We don't do charity in Germany, We pay taxes. Charity is a failure of governments' responsibilities - Henning Wehn
Re: Insurance [Re: _Ste_] #1055327
8th May 2018 9:33am
8th May 2018 9:33am
Joined: Dec 2010
Posts: 2,201
Oxton
Gibbo Online content
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Oxton
Turns up to go on a bike without a safety helmet , gets on a bike with a rider without a safety helmet and no insurance , Then goes on a path that is not meant for bikers and the judge said he didn't expect the bikes to be ridden in a dangerous fashion .

Think its the judge is out of touch with life .

A neurologist told the court: “It is self-evident that he will never take his place in society.”

Morons who ride off road bikes never take their place in society.

Re: Insurance [Re: _Ste_] #1055336
8th May 2018 2:50pm
8th May 2018 2:50pm
Joined: Oct 2011
Posts: 1,909
Wallasey
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Salmon Offline
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Re: Insurance [Re: _Ste_] #1055339
8th May 2018 3:18pm
8th May 2018 3:18pm
Joined: Jul 2008
Posts: 13,633
Birkenhead
diggingdeeper Offline

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The new rules/guidelines don't seem to have kicked in yet. I've just got a stupidly low insurance by changing companies, Esure/Sheila's Wheels offered roughly half the price of most of the rest of the companies saving me nearly £200.

If you want to lower your insurance premiums, report every idiot driving you see and keep your eye out for vandals and thieves. CH44, CH45, CH41 and CH42 are roughly twice the price of CH60 etc due to the amount of car related crime.


The further you are down the pay scale, the more 'essential' you are when the s--- hits the fan... Sue Farbysmith 2020

Insults are engendered from vulgar minds, like toadstools from a dunghill - Charles Caleb Colton

We don't do charity in Germany, We pay taxes. Charity is a failure of governments' responsibilities - Henning Wehn
Re: Insurance [Re: _Ste_] #1055358
9th May 2018 9:40am
9th May 2018 9:40am
Joined: Dec 2010
Posts: 2,201
Oxton
Gibbo Online content
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Gibbo  Online Content
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Oxton
Sheila's Wheels were cheapest for me this year too. But I haggled with Tesco and got them to price match. It was only £30, but still.


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