Insurance quotes

[anonymous-user]

snorky782 said:

And I'll agree 100% with that, but as you've said they will have data than non UK born drivers are worse risks (or at least some will, others may not care or see them as a better risk) and that is the crux in a simplified comparison website.

Agree not everyone is a Loon

All makes sense now!

[recycled]

snorky782 said:

Do you really know, or do you just want the answer to be the your kid is a great risk and others are worse risks?

Insurers base everything on experience and projections. It fits you into a demographic, not as an individual. If you want individual underwriting then take your business to Lloyds of London. I don't think you'll like the price though.

Many people complain about many things with insurance. It always seems to be the thing that they feel is unfair that penalises them or their family.

Do you work for LLoyds of London? Maybe you could help

[anonymous-user]

recycled said:

stuff

I sell insurance over the internet (to other insurance brokers mainly) and if we were to ask a fully comprehensive question set then most people wanting a quote would get bored and abandon the quote.

So it's a bit of a compromise to make the system smoother for the majority.

I can watch what goes on and it is quite amusing watching people change the answers to get a better quote.

[craigjm]

recycled said:

I guess i probably will advise him to challenge it. it was not even the best quote he got so he probably would just ignore it.
As for the immigration policy, he did not need to naturalise at all. Anyway that is what i am being told. Both parents are Welsh and English and he has 2 birth certificates. One is a register of birth by the UK embassy and one is an NL birth certificate. This was before 1983 when the rules changed
Used the register of birth to get his passport. Any way just thought i could give him some advise as we are all a close knit family.

The reason I asked about naturalisation was because if it was before 1983 , both his parents are British citizens and they were in the Netherlands for a short term job posting / holiday rather than taking permanent residency then under the immigration and nationality rules that were in force at the time he can legitimately claim that he was born in the UK if they returned to the UK within 270 days of the birth. Even if they did not but returned within the first year, if the child is not entitled to, or has not taken Dutch citizenship then they can legitimately claim that they were UK born. Your statement that he did not have to naturalise would lead me to believe that they were back in the UK within this time and he may just be complicating his life by stating he was born outside of the UK.

[recycled]

craigjm said:

The reason I asked about naturalisation was because if it was before 1983 , both his parents are British citizens and they were in the Netherlands for a short term job posting / holiday rather than taking permanent residency then under the immigration and nationality rules that were in force at the time he can legitimately claim that he was born in the UK if they returned to the UK within 270 days of the birth. Even if they did not but returned within the first year, if the child is not entitled to, or has not taken Dutch citizenship then they can legitimately claim that they were UK born. Your statement that he did not have to naturalise would lead me to believe that they were back in the UK within this time and he may just be complicating his life by stating he was born outside of the UK.

I did not know that at all. So how does that work? He fills in a passport form saying he was born in the UK?
While his supporting documents show him as been born in the Netherlands?
may need to speak to his mum about that.

Edited by recycled on Saturday 30th July 19:12

[craigjm]

recycled said:

I did not know that at all. So how does that work? He fills in a passport form saying he was born in the UK?
While his supporting documents show him as been born in the Netherlands?
may need to speak to his mum about that.

Edited by recycled on Saturday 30th July 19:12

I suggest that he, seeing as he must be over 18, has a conversation with the UK Border Agency because he may be making his life more difficult than it needs to be.

[Thorodin]

You mention several times 'the best quote' - do you mean the lowest? They are not necessarily the same thing. Also with some replies you intimate what might be considered additional underwriting factors. I'm sure you are genuine, but are you aware how this comes across?

[recycled]

Thorodin said:

You mention several times 'the best quote' - do you mean the lowest? They are not necessarily the same thing. Also with some replies you intimate what might be considered additional underwriting factors. I'm sure you are genuine, but are you aware how this comes across?

Can you elaborate please? The best quote he was trying to get for the conditions he wanted on his policy.
It is not necessarily the cheapest or lowest yes, but what exactly are you suggesting and what do you mean by genuine?
What do you not understand here?

There are quotes that have breakdown cover, Eu cover for only 3 days, Eu cover for 30 days, some come with breakdown only when you are 100 metres from your house, some come with breakdown at your house, some have windscreen excess of 0 and some have of 20, 40 or 60 pounds.

Which part is not clear to you and what do you mean by genuine? Are you genuine yourself and how does this come across?
i would like to know please.
Why not go to the sites that start with con and and put in the details yourself and see whether there is a difference or not?

Edited by recycled on Saturday 30th July 19:45

Edited by recycled on Saturday 30th July 19:47

Edited by recycled on Saturday 30th July 19:51

[snorky782]

I'd like to see the policy that provides a zero windscreen excess.

[recycled]

snorky782 said:

I'd like to see the policy that provides a zero windscreen excess.

I meant to say,0 for fixing a chip/ crack, while some charge for just that.(or have you not heard about those as well?) i am pretty sure you know what i was getting at, but then if not, then you are very welcome.
Of course you have to pay an excess for changing a screen.

Edited by recycled on Saturday 30th July 20:30

[loafer123]

I don't see this as particularly complicated.

They have statistics that people born abroad have more accidents.

It is quite possible that Albanian whiplash fraudsters and naturalised Nigerian "Princes" doing taxi work on the side increase this risk.

However, for fear of accusations of racism, or because the individual countries are statistically insignificant in themselves, they have to classify with a too-broad category as a result which your milk drinking, chocolate sprinkles eating friend is losing out.

[Murph7355]

Are you only using online quote systems?

If so, search for and call a good broker.

It's no good getting blood pressure rises over insurance quotes. They rarely make much sense, but the insurers will always be able to trump you as they have access to data that you do not and can always use it/hide behind it (depending on your point of view). And if you genuinely believe you're better at assessing risk, you could always start up as an insurer

(Calling the usual insurers on the comparison sites is also usually pointless as all the enthusiastic young types they employ on the end of the phones do is use the same web tools. They have little/no power of discretion).

[Thorodin]

recycled said:

Thorodin said:

You mention several times 'the best quote' - do you mean the lowest? They are not necessarily the same thing. Also with some replies you intimate what might be considered additional underwriting factors. I'm sure you are genuine, but are you aware how this comes across?

Can you elaborate please? The best quote he was trying to get for the conditions he wanted on his policy.
It is not necessarily the cheapest or lowest yes, but what exactly are you suggesting and what do you mean by genuine?
What do you not understand here?

There are quotes that have breakdown cover, Eu cover for only 3 days, Eu cover for 30 days, some come with breakdown only when you are 100 metres from your house, some come with breakdown at your house, some have windscreen excess of 0 and some have of 20, 40 or 60 pounds.

Which part is not clear to you and what do you mean by genuine? Are you genuine yourself and how does this come across?
i would like to know please.
Why not go to the sites that start with con and and put in the details yourself and see whether there is a difference or not?

Edited by recycled on Saturday 30th July 19:45

Edited by recycled on Saturday 30th July 19:47

Edited by recycled on Saturday 30th July 19:51

My original reply (the first reply on your thread) was the fullest and most informative answer to your question I could make (after 25 years of industry experience). I regret not being able to make further comment.

[snorky782]

Murph7355 said:

Are you only using online quote systems?

If so, search for and call a good broker.

It's no good getting blood pressure rises over insurance quotes. They rarely make much sense, but the insurers will always be able to trump you as they have access to data that you do not and can always use it/hide behind it (depending on your point of view). And if you genuinely believe you're better at assessing risk, you could always start up as an insurer

(Calling the usual insurers on the comparison sites is also usually pointless as all the enthusiastic young types they employ on the end of the phones do is use the same web tools. They have little/no power of discretion).

You're right that insurance premiums make little sense, but not in the way you're claiming.

The premiums quoted are often far lower than the technical amd real rate should be, but a very competitive market helps most of us get a huge reduction on this premium and benefit nicely for it.

In terms of you thinking they don't make sense, that's become you're looking for a simple linear calculation, which is highly unlikely to happen, when you're dealing with 1000s of rating factors that overlap each other.

[James P]

Murph7355 said:

Are you only using online quote systems?

If so, search for and call a good broker.

It's no good getting blood pressure rises over insurance quotes. They rarely make much sense, but the insurers will always be able to trump you as they have access to data that you do not and can always use it/hide behind it (depending on your point of view). And if you genuinely believe you're better at assessing risk, you could always start up as an insurer

(Calling the usual insurers on the comparison sites is also usually pointless as all the enthusiastic young types they employ on the end of the phones do is use the same web tools. They have little/no power of discretion).

It does seem a classic case of someone who doesn't fit into the pigeon holes created by a web based system. Therefore best to just find a decent broker, call them and use their expertise.

[recycled]

Thorodin said:

My original reply (the first reply on your thread) was the fullest and most informative answer to your question I could make (after 25 years of industry experience). I regret not being able to make further comment.

That is the best you can do after 25 years experience? Experience in what exactly? i guess you did not understand the question at all, that is why you are asking " Where did he pass his test?"
And you are asking me if i am genuine?

Edited by recycled on Sunday 31st July 23:53

[bad company]

Lots of UK citizens were born abroad. Those with parents who were in the forces spring to mind, thousands of babies born to British parents in Germany for example.

[snorky782]

recycled said:

That is the best you can do after 25 years experience? Experience in what exactly? i guess you did not understand the question at all, that is why you are asking " Where did he pass his test?"
And you are asking me if i am genuine?

Edited by recycled on Sunday 31st July 23:53

Blimey, you're quite shouty.

[bad company]

snorky782 said:

recycled said:

That is the best you can do after 25 years experience? Experience in what exactly? i guess you did not understand the question at all, that is why you are asking " Where did he pass his test?"
And you are asking me if i am genuine?

Edited by recycled on Sunday 31st July 23:53

Blimey, you're quite shouty.

Unfortunately overly aggressive replies seem to be the norm on PH now.

[craigjm]

bad company said:

Lots of UK citizens were born abroad. Those with parents who were in the forces spring to mind, thousands of babies born to British parents in Germany for example.

Indeed but they are treated in a different way under UK immigration law and can claim they are British born.