Another insurance whinge
Discussion
Redgate said:
How and why has my car a poor claim record? What could I possibly do to improve its claim record?
You can't improve it's record. Because all bar one are out of your control.Just like an 18 year old can't improve the record of all the other 18 year olds. He can avoid claims himself, but will still suffer due to the record of the rest. Why aren't you complaining about that? Is it because you're not 18, and are in fact getting lower premiums because of the record of the majority of your age group.
You can't have your cake and eat it.
TwigtheWonderkid said:
Why aren't you complaining about that? Is it because you're not 18, and are in fact getting lower premiums because of the record of the majority of your age group.
It is also vaguely due to the fact that I am a safe driver, wouldn't you agree? Are you saying that if I kept crashing my car that would not matter because the vast majority of my age group have been behaving like saints on the road ? I don't think so. Don't get me wrong, even though I have no 18-year old driver to insure in my family, I know who much they get quoted and this is a joke. Look at the rest of Europe, for a comparison, and you'll see that the average premium for a new and young driver on the continent is nowhere near the average asked in this country? Are young Brits behind the wheel worst drivers than say, young Germans or Italians? If so, shouldn't the driving test be dusted and realigned to teh standards of other countries? So, yes I am complaining about how much 18-year old drivers have to pay to be insured.
Redgate said:
TwigtheWonderkid said:
Why aren't you complaining about that? Is it because you're not 18, and are in fact getting lower premiums because of the record of the majority of your age group.
It is also vaguely due to the fact that I am a safe driver, wouldn't you agree? Are you saying that if I kept crashing my car that would not matter because the vast majority of my age group have been behaving like saints on the road ? I don't think so. TwigtheWonderkid said:
I am saying that if you're 50 and have had 3 accidents, you will pay a fraction of what an 18 y/o would pay after 35 accidents. Because the claims records of all the other people aged 50 will work in your favour.
Thanks for clarifying the industry's processes. And there I was naïvely thinking that my personnal circumstances, post code, house configuration, etc. were more important factors
Redgate said:
TwigtheWonderkid said:
I am saying that if you're 50 and have had 3 accidents, you will pay a fraction of what an 18 y/o would pay after 35 accidents. Because the claims records of all the other people aged 50 will work in your favour.
Thanks for clarifying the industry's processes. And there I was naïvely thinking that my personnal circumstances, post code, house configuration, etc. were more important factors
Can someone explain to me why everyone gets annoyed about being tarred with the same brush as others, and wants to be rated as an individual, not a member of a faceless group. But no one wants a black box, which does exactly that!!!!
TwigtheWonderkid said:
Can someone explain to me why everyone gets annoyed about being tarred with the same brush as others, and wants to be rated as an individual, not a member of a faceless group. But no one wants a black box, which does exactly that!!!!
Because a black box doesn't record the right things, just where and when you go and how much g you generate.Johnnytheboy said:
TwigtheWonderkid said:
Can someone explain to me why everyone gets annoyed about being tarred with the same brush as others, and wants to be rated as an individual, not a member of a faceless group. But no one wants a black box, which does exactly that!!!!
Because a black box doesn't record the right things, just where and when you go and how much g you generate.
TwigtheWonderkid said:
Johnnytheboy said:
TwigtheWonderkid said:
Can someone explain to me why everyone gets annoyed about being tarred with the same brush as others, and wants to be rated as an individual, not a member of a faceless group. But no one wants a black box, which does exactly that!!!!
Because a black box doesn't record the right things, just where and when you go and how much g you generate.I explained why I wouldn't want a black box that recorded what they currently do.
Me and the Mrs are still paying loaded premiums for claims we made in 2012 on our respective cars which were damaged while parked on the drive.
Both weren't our fault and in fact I was 56 miles away sat in the office after cycling to work that particular day, and she was working in her office at home.
It really pisses me off!!!!
So yes Insurance companies rip everybody off, especially those who were not at fault!
Both weren't our fault and in fact I was 56 miles away sat in the office after cycling to work that particular day, and she was working in her office at home.
It really pisses me off!!!!
So yes Insurance companies rip everybody off, especially those who were not at fault!
sherbertdip said:
Me and the Mrs are still paying loaded premiums for claims we made in 2012 on our respective cars which were damaged while parked on the drive.
Both weren't our fault and in fact I was 56 miles away sat in the office after cycling to work that particular day, and she was working in her office at home.
It really pisses me off!!!!
So yes Insurance companies rip everybody off, especially those who were not at fault!
Don't really see your problem.Both weren't our fault and in fact I was 56 miles away sat in the office after cycling to work that particular day, and she was working in her office at home.
It really pisses me off!!!!
So yes Insurance companies rip everybody off, especially those who were not at fault!
Something happened on your driveway, so company see's that if it happened once it might happen on your driveway again and loads premium.
Put it another way. If you rented someone your car and it came back damaged, would you think it more likely to happen again next time or less?
surveyor said:
sherbertdip said:
Me and the Mrs are still paying loaded premiums for claims we made in 2012 on our respective cars which were damaged while parked on the drive.
Both weren't our fault and in fact I was 56 miles away sat in the office after cycling to work that particular day, and she was working in her office at home.
It really pisses me off!!!!
So yes Insurance companies rip everybody off, especially those who were not at fault!
Don't really see your problem.Both weren't our fault and in fact I was 56 miles away sat in the office after cycling to work that particular day, and she was working in her office at home.
It really pisses me off!!!!
So yes Insurance companies rip everybody off, especially those who were not at fault!
Something happened on your driveway, so company see's that if it happened once it might happen on your driveway again and loads premium.
Put it another way. If you rented someone your car and it came back damaged, would you think it more likely to happen again next time or less?
sherbertdip said:
surveyor said:
sherbertdip said:
Me and the Mrs are still paying loaded premiums for claims we made in 2012 on our respective cars which were damaged while parked on the drive.
Both weren't our fault and in fact I was 56 miles away sat in the office after cycling to work that particular day, and she was working in her office at home.
It really pisses me off!!!!
So yes Insurance companies rip everybody off, especially those who were not at fault!
Don't really see your problem.Both weren't our fault and in fact I was 56 miles away sat in the office after cycling to work that particular day, and she was working in her office at home.
It really pisses me off!!!!
So yes Insurance companies rip everybody off, especially those who were not at fault!
Something happened on your driveway, so company see's that if it happened once it might happen on your driveway again and loads premium.
Put it another way. If you rented someone your car and it came back damaged, would you think it more likely to happen again next time or less?
surveyor said:
But it will all be based on averages. I'm guessing they don't have a button for hail to throw it in to the sums. Just claim damage that they paid for - whether you were in the car or not.
Of course it's based on averages. That's what's wrong with their system, they don't seem to want to put in place a method for allowing for when the average shouldn't be applied.sherbertdip said:
It was panel damage from golf ball sized hail from a thunderstorm. I've lived here 52 years and this is the first time it's happened, thunderstorms don't even happen here very often, so i would think the chances of it happening again are remote, very remote indeed, if i'd lived 200 yards away there would have been no damage, that how localised it was! However, not according to the insurance industry!
So the people who lived 250 yards away never made any claim, and you made 2, one for each car. Why the hell should you not pay more than them? Insurance firms are in business to make profit. People who claim should pay more for future insurance than people who don't. You maybe lost some bonus also. It's no claim bonus, not no blame bonus. TwigtheWonderkid said:
sherbertdip said:
It was panel damage from golf ball sized hail from a thunderstorm. I've lived here 52 years and this is the first time it's happened, thunderstorms don't even happen here very often, so i would think the chances of it happening again are remote, very remote indeed, if i'd lived 200 yards away there would have been no damage, that how localised it was! However, not according to the insurance industry!
So the people who lived 250 yards away never made any claim, and you made 2, one for each car. Why the hell should you not pay more than them? Insurance firms are in business to make profit. People who claim should pay more for future insurance than people who don't. You maybe lost some bonus also. It's no claim bonus, not no blame bonus. sherbertdip said:
Absolute rubbish, insurance is to cover the eventuality of something happening, increased premiums are based upon the likelihood of it happening again!
If you had one or both of your cars in a garage they wouldn't have been damaged. I bet some of your neighbours avoided damage that way. So in the unlikely event of a re-occurrence, you are more likely to claim again! Plus insurers don't look at individual claim details. If they did that it would cost a fortune and mean higher premiums. You get lumped into a group of other people who have had claims with no tp to recover from.
Stop bleating. In all those years from 1987 when you were claim free, you never moaned about your premiums being kept down due to others who had made claims paying extra into the pot!!
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