Things that annoy you beyond reason...(Vol 5)
Discussion
MartG said:
It's the other morons you need to worry about. Watch a few of the crash videos on Youtube, and you'll invariably see some poor bugger driving perfectly well get wiped out by some idiot
And a disturbing amount of "crash for cash" deliberate incidents around too, although I don't know if this has always been thing but is just more widely known about now because of dashcams.talksthetorque said:
Statistically speaking all insurance is a con then.
Insurance isn't an investment.
It is there to pay for something you might not be able to afford, if it happens.
Car insurance is certainly a bit of a con. Even though you pay a premium to an insurance company for them to take the financial hit when needed, they still claw a fair proportion of it back by loading you up on subsequent annual quotes - even when it wasn't your bleeding fault. And that's not on.Insurance isn't an investment.
It is there to pay for something you might not be able to afford, if it happens.
Cobnapint said:
talksthetorque said:
Statistically speaking all insurance is a con then.
Insurance isn't an investment.
It is there to pay for something you might not be able to afford, if it happens.
Car insurance is certainly a bit of a con. Even though you pay a premium to an insurance company for them to take the financial hit when needed, they still claw a fair proportion of it back by loading you up on subsequent annual quotes - even when it wasn't your bleeding fault. And that's not on.Insurance isn't an investment.
It is there to pay for something you might not be able to afford, if it happens.
My son had a *big* 'no fault' crash. I managed his claim against the other party's insurer, and everything went fine. His own premium went up - when asked why, his own insurer said that, statistically, people who have an accident - irrelevant of fault - are much more likely to have another within the next 12 months. I'd heard that mentioned here on PH too.
Sure as eggs is eggs, six months later, someone drives into the side of him in a low speed bump (someone changing lanes in heavy traffic without looking).
Another box-ticking statistic and another BMW needing repairs
Cobnapint said:
talksthetorque said:
Statistically speaking all insurance is a con then.
Insurance isn't an investment.
It is there to pay for something you might not be able to afford, if it happens.
Car insurance is certainly a bit of a con. Even though you pay a premium to an insurance company for them to take the financial hit when needed, they still claw a fair proportion of it back by loading you up on subsequent annual quotes - even when it wasn't your bleeding fault. And that's not on.Insurance isn't an investment.
It is there to pay for something you might not be able to afford, if it happens.
You think the insurance company puts your premium up by £300 for four years to try and cover it?
The premiums go up - as someone has pointed out (through completely anecdotal evidence
) because you are a higher risk.There is a possibility that it is done as a deterrent to make you think a bit more, but it is not done as a clawing back of the costs.
Despite this, a fault accident in my teens cost £1900 to repair.
My next year's premium?
£1900
So I can see why you would think this.
RizzoTheRat said:
Ordering something on Amazon and 4 days later they still haven't dispatched it!
You might want to speak to the vendor as I had the same thing but the seller was not notified by amazon that I wanted to buy the item, seems they had a glitch last week.And my item originated in Harrogate.
Allanv said:
RizzoTheRat said:
Ordering something on Amazon and 4 days later they still haven't dispatched it!
You might want to speak to the vendor as I had the same thing but the seller was not notified by amazon that I wanted to buy the item, seems they had a glitch last week.And my item originated in Harrogate.
RizzoTheRat said:
Allanv said:
RizzoTheRat said:
Ordering something on Amazon and 4 days later they still haven't dispatched it!
You might want to speak to the vendor as I had the same thing but the seller was not notified by amazon that I wanted to buy the item, seems they had a glitch last week.And my item originated in Harrogate.
V8mate said:
Insurance is a bet. In some cases, a bet we need to place by law.
My son had a *big* 'no fault' crash. I managed his claim against the other party's insurer, and everything went fine. His own premium went up - when asked why, his own insurer said that, statistically, people who have an accident - irrelevant of fault - are much more likely to have another within the next 12 months. I'd heard that mentioned here on PH too.
Sure as eggs is eggs, six months later, someone drives into the side of him in a low speed bump (someone changing lanes in heavy traffic without looking).
Another box-ticking statistic and another BMW needing repairs
Without reference to your son in particular, there are ways of driving that increase or decrease your chances of having a 'no fault' accident. My son had a *big* 'no fault' crash. I managed his claim against the other party's insurer, and everything went fine. His own premium went up - when asked why, his own insurer said that, statistically, people who have an accident - irrelevant of fault - are much more likely to have another within the next 12 months. I'd heard that mentioned here on PH too.
Sure as eggs is eggs, six months later, someone drives into the side of him in a low speed bump (someone changing lanes in heavy traffic without looking).
Another box-ticking statistic and another BMW needing repairs
You and I could have a crash every week that in insurance terms wouldn't have been our fault, but which week-in week-out we manage to avoid by spotting the other guy's likely mistake before he makes it, and trying to make sure we don't put ourselves where he doesn't yet know he's going to be.
Younger drivers, of course, aren't as good at this as we driving gods.
SpeckledJim said:
You and I could have a crash every week that in insurance terms wouldn't have been our fault, but which week-in week-out we manage to avoid by spotting the other guy's likely mistake before he makes it, and trying to make sure we don't put ourselves where he doesn't yet know he's going to be.
Indeed. One of the things drummed into me on advanced driving courses is that many drivers experience another driver doing something silly or dangerous and think "I thought they'd do that" but the advanced driver says "I think they are going to do that". Defensive driving is about prediction and situational awareness. Of course, it doesn't always work. And, equally, it comes with experience. Advanced driving courses can be a way of benefiting from the experience of others, though.
You don't need to post every minor transgression to youtube, can use it simply as a black box device that only gets used once you are involved in a crash.
As they are so cheap these days it's a no brainer, when I drive without one it feels odd and unprotected, bit like when you can't wear a seatbelt.
I'm also waiting on a delivery and it's just languishing at a Royal mail sorting office:
Updated on: Tuesday 27 November
08:04am
Item Received
London Central Mail Centre
As they are so cheap these days it's a no brainer, when I drive without one it feels odd and unprotected, bit like when you can't wear a seatbelt.
I'm also waiting on a delivery and it's just languishing at a Royal mail sorting office:
Updated on: Tuesday 27 November
08:04am
Item Received
London Central Mail Centre
Nimby said:
Resealable plastic bags. I struggle to close the buggers, and If I do they rip when I open them.
I would use clingfilm instead but I can't get that to tear straight.
These are expensive but do work really well for clingfilm/tinfoilI would use clingfilm instead but I can't get that to tear straight.
Edited by Nimby on Wednesday 28th November 17:46
https://www.lakeland.co.uk/7518/Wrapmaster-Foil-an...
Speedy11 said:
These are expensive but do work really well for clingfilm/tinfoil
https://www.lakeland.co.uk/7518/Wrapmaster-Foil-an...
I buy my cling film from Costco, and it comes in a dispenser not dissimilar to that. https://www.lakeland.co.uk/7518/Wrapmaster-Foil-an...
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