Insurance (Chris Knott)

[waue1978]

SP Salisbury
1-8, 10-11 . . . . . . . . . . . . . . . . . . A
9 . . . . . . . . . . . . . . . . . . . . . . . B

Well that explains why you reckon my insurance is cheap (although it doesn't feel too cheap). My postcode is SP10.

[grasmere59]

That'll make me an A then OX29
OX Oxford
1, 4 . . .. . . . . . . . . . . . . . . . . . . C
2-3, 6, 10, 16, 25-27, 33, 44 . . . . . . . . . B
5, 7-9, 11-15, 17-18, 20, 28-29, 39, 49 . . . . A

[rwb]

Brilliant list
Can you also get the job title risks?
I just noticed Im a "researcher" but maybe I could be something less risky.

[mjb]

ST Stoke-on-Trent
1, 4 . . . . . . . . . . . . . . . . . . . . .. D *
2-3, 5-8 . . . . . . . . . . . . . . . . . . .. C

My insurance actually went UP when I moved from kept in the road in ST4 to kept on a driveway in ST5

[highlander]

(here we go again)

Sorry Lozz, I see your list and this is a list of what they're supposed to do. I'm serious, I reckon they just make sh*t up.

I'm in Aberdeen, have been driving since 2007, no points on my license, no speeding tickets, no criminal convictions, and one (minor) at-fault accident in 2007 and nothing else at-fault since. I'm 32 this year. I'm in full-time employment. I'm not a home-owner, but my car is parked in a residential carport overnight (not in view of the main road), and in an office car park during the day (again, not in view of the main road). Even before I modified the Coupe, I was getting higher insurance quotes than people younger than me were for more powerful vehicles (brand new BMW M5, for one example - highly-modified Subaru Impreza WRX for another) - living in the same city, working in the same industry. Some of these people have had speeding tickets.

I'm tired of insurance companies complaining about "the rising cost of car insurance" when it's a circle they self-perpetuate by (illegally) selling your private information to accident injury lawyers (I never agreed to the sale of my personal details to any third party, yet I get phone calls and text messages - even now - for the White Van Man incident that caused me to scrap my old saloon rather than sell it).

I am fed up of insurance companies constantly telling us that the rules they use are clear, consistent and fair, even though the people I speak to on the phone don't understand why my insurance premiums are as high as they are given all the information they have available to them on their screens when I call for a quote. All they can tell me is that their underwriters have given them the lowest amount they can charge me. I have to accept this because I have no other choice.

I don't understand why the same level of cover varies by a factor of 10 (or more) between different insurance companies, even if they are part of the same group of insurers, being backed by the same group of underwriters.

I don't understand why my exact job title affects my insurance premium as much as it does ("Computer Technician" and "IT Engineer" are two job titles that describe exactly the same thing but can have a big difference on the quote I'm given).

I don't understand why some insurance companies are allowed to charge MORE for 3rd-party only cover than they do for fully comprehensive for some drivers - the only reason they do it is because they want to get more money from people who have older low-value cars - if I pick 3rd party and I'm quoted a figure, I know that picking 3rd party fire & theft or fully comp will be more expensive than that, right? Not always, but most people won't even check the difference. Free money for the bastards.

It's all bullshit. They are not out to help you, they are not really assessing your risk, they exist solely to make a profit, and they are abusing the law (stating that all drivers must be insured, which I have no problem with in principle) to screw us out of seemingly random amounts of money for the privilege of driving a car.

The government needs to step in and design a clear, concise, and fair set of rules that determine how much an insurance company can charge you for the cost of insurance. They need to clamp down even harder on the "crash for cash" arseholes who are milking the system at everybody else's cost. And they need to impose strict penalties for the sale of your personal details to the accident lawyers.

The cost of car ownership is high enough as it is with fuel (& fuel duty), road tax, MOTs, servicing, high garage fees (£100 an hour? I'm in the wrong job), 20% VAT, and the annoying fees every time the DVLA decide you need to renew your photo on your photocard license. Insurance is supposed to be a protective service designed to help you out if you are involved in an accident. All it is at the moment is a way to drain as much money from you as is legally possible, and any time you do need to claim, far too much "wriggling out of it" on the part of the insurers.

It's a legalized protection racket.

[scotty73]

NP Newport

22- . . . . . . . . . . . . . . . . . D *

Not that i live anywhere near fooking damn horrible Newport.... Be interesting to see what my renewal is in March it's already gone up £26 per month for the last 3 months of the policy.

[rwb]

There seems to be a problem here with the onus being on the defending insurance company to prove that the claim isn't genuine rather than the claimant to prove that the claim is genuine. Surely all these people making bogus whiplash claims can't prove that they were injured?

Anyway, insurance companies have shown they can't be trusted so as much I hate big government I think it's time to kill the goose that laid the golden egg on this one. I say put £300 on car tax to inlcude 3rd party insurance.

[jasper5]

I've just renewed my motor trade policy, I was insured with LV (Highway Insurance) but they have refused to cover my post code area, that's twice I've had this problem.

After much research and aggravation there were only 2 companies willing to offer cover in my area, one wanted double my premium, the other is more or less the same.

These insurance companies need investigating or at least the way they offer cover.

I know I live in an area that has suffered lots of false claims and fraud, but it's getting out of hand.

[lozz]

Isee your point there Highlander.

its hard to say wether: they make stuff up or not,
what youve got too think of, is alot of people get there insurance through a Broker, not the insurer directly
they most probs just work off a like Finders fee and admin fee principle, So wouidnt it be the Broker that sort of tweeks things to get the price down
to entice someone into taking out the policy (perhaps) imight be wrong ,

iprefare to go straight to the insurers but sometimes there prices are double what the Brokers can get you the policy for,


One thing idid notice tho is, a House owners car insurance is slightly more expensive than say someone thats Renting a house, (Confused)

also inoticed they ask for the postcode where the vehicle is parked overnight, Most probs so they can use Google earth to have a peek at the invisible garage some people they say there cars parked in at night

[lozz]

Check this out

Seems the insurance in My area as Gone up again,

This is a Quote for insurance, 3rd party fire n theft , with 7yrs ncb, on a 1.6 picasso

insurance picasso.JPG

[grasmere59]

Just renewed both cars on an Aviva multicar type of thing for £443.09 the pair,well pleased

[lozz]

How did you Manage that,

Fek thats cheap,

lucky sod

[grasmere59]

Dunno,the 406 has 5 years ncb,£250 excess and no protected ncb.The BMW has 9 years ncb,£250 excess and protected ncb.I suppose i don't use either for commuting cos i've a firms van and i keep the a fairly low limit on the mileage on both cars and of course i'm over 50!

[plod]

I cocked up last year not going through Chris Knott

They quoted me lots cheaper, but paperwork said money up front
Only afterwards did I find out from Gary they do instalments

Won't forget this year as over £700 to insure a 406 when i'm 42, and have full NCB and not in a silly area is crazy

£700 ? how does that work . im 27 years old with 6 years NCB and paying £539 premium (add APR% onto that for paying the finance company monthly payments)

i really would love to know how these insurance companys work. when one can give you a £539 quote yet another for exactly the same thing comes in at £1800

"If" I insured a boggo 406 110 HDi then i'd be looking at less than £400
I got loaded for :
the leather
the spoiler
the wheels
strut brace blah blah blah

Personally I think they're taking the preverbial - Direct Line if you're interested ( although I fear this may send Highlander off on one lol )

[D9406]

GL52 50 yrs old 1 year NCB,, used my other full NCB elsewhere, 1 additional driver, clean license £329 fully comp with Tesco. 110 D9 Estate.