Dubai Blue said:Just had a conversation on this very topic with a friend on Facebook. She's 27, has 7 years no claims, drives a small cheap car, but lives in Oldham - £1,000. It's ridiculous; the insurance industry have got you by the bollocks in England. Over here, it's a flat 5% of the car's value and anyone with a licence can drive it fully comp.
That's my point. They take so much shit into account in England that is way beyond your control. It's beyond ridiculous. Insurance stops being insurance when they take into account every tiny little detail. What's she meant to do? Move house?adamgregory said:Dubai Blue said:Just had a conversation on this very topic with a friend on Facebook. She's 27, has 7 years no claims, drives a small cheap car, but lives in Oldham - £1,000. It's ridiculous; the insurance industry have got you by the bollocks in England. Over here, it's a flat 5% of the car's value and anyone with a licence can drive it fully comp.
She got points on her license or something? must be based on her postcode seeing as Oldham is a dive. also get knocked down for immobiliser, tracker and off road parking. also depends on what your purpose of use is for, domestic & pleasure, garaged down a drive, immobilser and knocked my quote right down. 5% of the value thats quality though.
You wouldn't be driving it on your insurance, you'd be driving it on mine as it's the car that is insured, not the driver. So as long as you have a licence, you can hop into any car and drive it home.rickmcfc said:Dubai Blue, so let me get this right. Say i owned a ford focus and was insured (value of the car say £15k) and you owned a bentley continental GT ( value of car £150k) i can drive your car on my insurance fully comp?
charliebigspuds said:car insurance has gone up a lot this year, I got my renewal quote and it was £452 last year I paid £351, I phoned them and asked why it had gone up so much and they blamed it on the bad weather we had and all the claims that had gone in. I spent a night going on all the sites and the least I could get it for was £378....bobbins, its the biggest price fixing legalised scam going. What gets me is after shelling out if you actually use it then it will cost you another £250 or whatever your excess is, its a legalised con and there is nothing we can do about it
adamgregory said:charliebigspuds said:car insurance has gone up a lot this year, I got my renewal quote and it was £452 last year I paid £351, I phoned them and asked why it had gone up so much and they blamed it on the bad weather we had and all the claims that had gone in. I spent a night going on all the sites and the least I could get it for was £378....bobbins, its the biggest price fixing legalised scam going. What gets me is after shelling out if you actually use it then it will cost you another £250 or whatever your excess is, its a legalised con and there is nothing we can do about it
mine went up by £50 this year too pal, even though it was another year of no claims, I challenged it and like yourself got told it was to do with all the claims from the snow we had at the start of the year, I wouldnt mind but why should I have to pay for the inneptitude of some 20 year old wanker who thought it would be fun to go on Tesco car park at portwood and do donuts, lose control and pile straight into a street light with his Megane?
Surely the whole insurance industry is based on risk. But it seems that in England, insurance companies aren't willing to take any risk on. Much better to pretty much fix the entire market and more than cover any potential losses by massively over charging everyone. It's one great big cartel. Do any of them really have any great motivation to masively undercut their competitors? They could all afford to do it, but in whose interest would it be? Certainly not there's.adamgregory said:charliebigspuds said:car insurance has gone up a lot this year, I got my renewal quote and it was £452 last year I paid £351, I phoned them and asked why it had gone up so much and they blamed it on the bad weather we had and all the claims that had gone in. I spent a night going on all the sites and the least I could get it for was £378....bobbins, its the biggest price fixing legalised scam going. What gets me is after shelling out if you actually use it then it will cost you another £250 or whatever your excess is, its a legalised con and there is nothing we can do about it
mine went up by £50 this year too pal, even though it was another year of no claims, I challenged it and like yourself got told it was to do with all the claims from the snow we had at the start of the year, I wouldnt mind but why should I have to pay for the inneptitude of some 20 year old wanker who thought it would be fun to go on Tesco car park at portwood and do donuts, lose control and pile straight into a street light with his Megane?