Welcome to WikiWirral, sharing is what we do best.
Forum Statistics
Posts1,004,333
Topics74,295
Members12,629
Forums66
Posts in last 24hrs13
Most Online7,831
Apr 8th, 2013
Who's Online Now
54 registered members (8HBob, 12 invisible), 987 guests, and315 spiders.
Key: Admin, Global Mod, Mod
Social Media : Follow Us


Popular Topics(Views 7days)
New General Forums
I've Lost ALL hope
by fish5133. 15th May 2018 11:24pm
Nappy consent
by cools. 14th May 2018 7:58am
40 Minutes Until Takeoff
by diggingdeeper. 10th May 2018 10:08pm
Taking a stand against rampant pc'ness.
by venice. 5th May 2018 11:37am
New Wirral History
Mill Road, Woodslee Lodge, Bromborough
by soreofhing. 17th May 2018 8:40pm
whetstone lane boxing club
by oldbirkonian1. 19th Apr 2017 6:34pm
RIP : Chris Kay
by granny. 31st Aug 2016 9:25am
Davies Street, Birkenhead
by Mogzie. 17th Sep 2015 10:59pm
J.Blake & Co. Ltd.
by detsi. 23rd Aug 2011 9:01am
Forum Tips
Photo Gallery Forums
Terracotta Warriors 2
Terracotta Warriors
Topic Replies
Slow cyclists wanted!
by martinharris. 22nd May 2018 11:39am
Virgin Mobile Scam Letter
by casper. 22nd May 2018 9:25am
Wanted. Kittens
by fish5133. 21st May 2018 9:58pm
Meanwhile, in Windsor..
by Excoriator. 21st May 2018 1:06pm
computer bits FOC
by DavidB. 21st May 2018 11:47am
Old photos
by bert1. 21st May 2018 8:17am
Bengalese Finches x 3, Silver Bengalese Finch x 1
by ianyam. 20th May 2018 7:01pm
Easibed Wood chipping FREE
by ianyam. 20th May 2018 5:05pm
Tasering Again
by diggingdeeper. 19th May 2018 10:15pm
May
M T W T F S S
1 2 3 4 5 6
7 8 9 10 11 12 13
14 15 16 17 18 19 20
21 22 23 24 25 26 27
28 29 30 31
Recent Posts : What's On ?
Local History on Show
by Norton. 15th May 2018 2:58pm
Terracotta warriors
by missmahjong. 13th May 2018 10:35am
Previous Topic
Next Topic
Print Topic
Rate Topic
Insurance #1055219
3rd May 2018 1:17pm
3rd May 2018 1:17pm
Joined: Aug 2005
Posts: 16,129
New Brighton
_Ste_ Offline OP
Wiki Master
_Ste_  Offline OP
Wiki Master
Joined: Aug 2005
Posts: 16,129
New Brighton
And this people is why you are paying so much for car insurance.....

Clicky

no

Google Ads
Re: Insurance [Re: _Ste_] #1055220
3rd May 2018 3:00pm
3rd May 2018 3:00pm
Joined: Oct 2011
Posts: 1,842
Wallasey
S
Salmon Offline
Forum Addict
Salmon  Offline
Forum Addict
S
Joined: Oct 2011
Posts: 1,842
Wallasey
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
Posts: 16,129
New Brighton
_Ste_ Offline OP
Wiki Master
_Ste_  Offline OP
Wiki Master
Joined: Aug 2005
Posts: 16,129
New Brighton
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: 11,542
Birkenhead
diggingdeeper Offline

Wiki Master
diggingdeeper  Offline

Wiki Master
Joined: Jul 2008
Posts: 11,542
Birkenhead
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!


In a time of universal deceit - telling the truth is a revolutionary act. George Orwell

When the debate is lost, slander becomes the tool of the loser. Socrates
Re: Insurance [Re: _Ste_] #1055293
6th May 2018 9:07am
6th May 2018 9:07am
Joined: Jan 2010
Posts: 1,478
wirral
E
Excoriator Online content
Forum Addict
Excoriator  Online Content
Forum Addict
E
Joined: Jan 2010
Posts: 1,478
wirral
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: 11,542
Birkenhead
diggingdeeper Offline

Wiki Master
diggingdeeper  Offline

Wiki Master
Joined: Jul 2008
Posts: 11,542
Birkenhead
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.


In a time of universal deceit - telling the truth is a revolutionary act. George Orwell

When the debate is lost, slander becomes the tool of the loser. Socrates
Re: Insurance [Re: _Ste_] #1055325
8th May 2018 7:34am
8th May 2018 7:34am
Joined: Jan 2010
Posts: 1,478
wirral
E
Excoriator Online content
Forum Addict
Excoriator  Online Content
Forum Addict
E
Joined: Jan 2010
Posts: 1,478
wirral
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: 11,542
Birkenhead
diggingdeeper Offline

Wiki Master
diggingdeeper  Offline

Wiki Master
Joined: Jul 2008
Posts: 11,542
Birkenhead
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.


In a time of universal deceit - telling the truth is a revolutionary act. George Orwell

When the debate is lost, slander becomes the tool of the loser. Socrates
Re: Insurance [Re: _Ste_] #1055327
8th May 2018 9:33am
8th May 2018 9:33am
Joined: Dec 2010
Posts: 1,926
Oxton
Gibbo Online content
Forum Addict
Gibbo  Online Content
Forum Addict
Joined: Dec 2010
Posts: 1,926
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: 1,842
Wallasey
S
Salmon Offline
Forum Addict
Salmon  Offline
Forum Addict
S
Joined: Oct 2011
Posts: 1,842
Wallasey

Re: Insurance [Re: _Ste_] #1055339
8th May 2018 3:18pm
8th May 2018 3:18pm
Joined: Jul 2008
Posts: 11,542
Birkenhead
diggingdeeper Offline

Wiki Master
diggingdeeper  Offline

Wiki Master
Joined: Jul 2008
Posts: 11,542
Birkenhead
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.


In a time of universal deceit - telling the truth is a revolutionary act. George Orwell

When the debate is lost, slander becomes the tool of the loser. Socrates
Re: Insurance [Re: _Ste_] #1055358
9th May 2018 9:40am
9th May 2018 9:40am
Joined: Dec 2010
Posts: 1,926
Oxton
Gibbo Online content
Forum Addict
Gibbo  Online Content
Forum Addict
Joined: Dec 2010
Posts: 1,926
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.


Moderated by  Mod 

Random Wirral Images

Click to View Topic.
Newest Topics
Slow cyclists wanted!
by martinharris. 22nd May 2018 11:39am
Virgin Mobile Scam Letter
by fish5133. 21st May 2018 9:55pm
Meanwhile, in Windsor..
by Norton. 20th May 2018 6:57pm
At Last, The UN Has Grown A Pair
by diggingdeeper. 18th May 2018 6:35pm
Mill Road, Woodslee Lodge, Bromborough
by soreofhing. 17th May 2018 8:40pm
For Sale & Free
Wanted. Kittens
by muzzy2. 19th May 2018 5:16pm
Easibed Wood chipping FREE
by ianyam. 19th May 2018 12:58pm
Finch/Canary Breeding Boxes & Pans
by ianyam. 19th May 2018 12:01pm
Bird Drinker & Feeder
by ianyam. 19th May 2018 11:56am
Bengalese Finches x 3, Silver Bengalese Finch x 1
by ianyam. 19th May 2018 11:51am
Member Spotlight
zigzagwanderer
zigzagwanderer
Wallasey
Posts: 297
Joined: January 2011
Show All Member Profiles 
Newest Members
T0NY93, Uthred, Kenny01, dustydog, Jpw85
12629 Registered Users
Today's Birthdays
No Birthdays
New Wirral Info
Meanwhile, in Windsor..
by Norton. 20th May 2018 6:57pm
Local History on Show
by Norton. 15th May 2018 2:58pm
Brimstage Road Hedge
by TheGodSplinter. 7th May 2018 6:14pm
Cider and Sausages.. Shippons Irby may 7th
by fish5133. 2nd May 2018 11:06pm
Colour and Strength Solar Light Batteries
by spgb1a. 28th Apr 2018 2:54pm
News : New Topics
At Last, The UN Has Grown A Pair
by diggingdeeper. 18th May 2018 6:35pm
Giants in Liverpool
by cools. 13th May 2018 8:09pm
Penny Bridge - flooding alert
by philmch. 8th May 2018 2:25pm
Insurance
by _Ste_. 3rd May 2018 2:17pm
Local elections
by cools. 1st May 2018 2:05pm
New Enthusiast Forums
Slow cyclists wanted!
by martinharris. 22nd May 2018 11:39am
Virgin Mobile Scam Letter
by fish5133. 21st May 2018 9:55pm
Old photos
by geprgie260. 14th May 2018 6:27pm
NHS RIP
by diggingdeeper. 13th May 2018 1:24am
ITV catch up App for Samsung Tab 2
by nidgynoo. 10th May 2018 9:46am
Popular Topics(Views 24hrs)
Wirral Sunrise Sunset
Sunrise Tue 5:00am
Sunset Tue 9:17pm
Local Time Tue 12:36pm
Powered by UBB.threads™ PHP Forum Software 7.6.1.1