Insurance quotes

[recycled]

PorkInsider said:

I'm sure if you just explain this to the insurance companies they will take it on board and immediately reduce their quotes.

Its all sorted now. Thanks. A one on one chat was way better and informative than the on-line quotes.

[Murph7355]

snorky782 said:

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.

What way am I claiming?

I'm not looking for any linear calculation. But there are not 1000s of factors at play. And there is a large dose of bs attached to insurance premiums.

Which is why the only thing I actually claim is to talk to a person who knows the industry when wanting a policy rather than simply rely on a website that will likely serve most people just fine (or so they think), but not anyone with even remotely non-standard requirements.

[craigjm]

I think the OP has had the answers that he needs and this thread needs to close before it decends into a total fight

[anonymous-user]

It's a fairly good indication of why I stopped selling insurance to private punters.
Just not worth the grief.