Motor Insurance for Females
Discussion
OK guys, who can point me in the right direction.
My daughter is a 25 year old Law graduate who insists on reading every last full stop in any contract/legal document she gets. We are coming up to renewal time on her motor insurance (Fiat Panda)she is currently insured with that wonderful organisation named Tesco. She isn't happy with the policy renewal terms and keeps badgering me about who are the best insurers for a single female driver living in Bristol.
Anyone got any ideas who to approach, she's already tried Sheila's Wheels again not impressed, LV my insurer and she won't use that annoying fat geezer at Go Compare as she doesn't want to give her details for fear of being bombarded with unsolicited phone calls.
Any pointers would be a great help. Thanks
My daughter is a 25 year old Law graduate who insists on reading every last full stop in any contract/legal document she gets. We are coming up to renewal time on her motor insurance (Fiat Panda)she is currently insured with that wonderful organisation named Tesco. She isn't happy with the policy renewal terms and keeps badgering me about who are the best insurers for a single female driver living in Bristol.
Anyone got any ideas who to approach, she's already tried Sheila's Wheels again not impressed, LV my insurer and she won't use that annoying fat geezer at Go Compare as she doesn't want to give her details for fear of being bombarded with unsolicited phone calls.
Any pointers would be a great help. Thanks
GKP said:
At 25 surely she can use a computer? Tell her not to input her phone number onto the Meerkats, Fat Opera Singer or Confudulated website and she'll have no bothersome calls.
Agreed. Surely a law graduate can manage to sort out insurance? It really isn't that hard, get a quote, decide if you can afford it, and away you go.Benzman said:
It's not that she can't use a computer, she's a fussy beggar who won't make her bloody mind up. That's why she keeps asking me who do I think is the best and apart from my own policy with LV I have no experience of other insurers, hence my post.
I suggest a bit of initiative. Tell her being in possession of testicles, renders you incapable of knowledge. Works every time
Tesco works for my daughter.
miniman said:
R1 Loon said:
What a joke.
A 25 year old graduate with no ability to live in the real world.
You must be very proud.
Come on, get off that fence. What do you really think!A 25 year old graduate with no ability to live in the real world.
You must be very proud.
She's clearly suffering from paralysis by analysis. She's now so convinced that she's right that she knows more about the content of a Motor Insurance policy than the whole industry combined. As such, she won't buy one and therefore can't drive.
Stupidity in the extreme IMO.
But she still relies on daddy to tell her what to do. No wonder I can get law graduates for peanuts nowadays, if this is the calibre.
Benzman said:
It's not that she can't use a computer, she's a fussy beggar who won't make her bloody mind up. That's why she keeps asking me who do I think is the best and apart from my own policy with LV I have no experience of other insurers, hence my post.
What does it matter? The price is really the deciding factor as almost every insurance company are the same, if u don't recognise the name then its up to your daughter to decide whether to use them, but usually a well known insurer will offer a similar quote along side them.Not rocket science really.
champ54321 said:
Most of the insurance contracts are pretty much idential, they are all full of ways the insurer can get out of not paying up . She needs to just live in the real world and just take one out which has a good price.
Go on then, post 5 of these "ways", it shoudn't be too difficult, as the "insurance contracts are pretty well full of them".1. Demonstrating that the driver did not disclose a fact about themselves that would have influenced the decision to insure.
2. Identifying undisclosed modifications to the vehicle - e.g. those alloys that you thought were standard.
3. Claiming via their assessor that the vehicle was unroadworthy.
4. In the case of a named driver, showing that they had majority use of the vehicle (i.e. "fronting")
5. In the case of a theft or taking with keys, arguing that the vehicle was not parked where it was declared to be stored.
All clauses in most policies that they can call on should they feel the need.
2. Identifying undisclosed modifications to the vehicle - e.g. those alloys that you thought were standard.
3. Claiming via their assessor that the vehicle was unroadworthy.
4. In the case of a named driver, showing that they had majority use of the vehicle (i.e. "fronting")
5. In the case of a theft or taking with keys, arguing that the vehicle was not parked where it was declared to be stored.
All clauses in most policies that they can call on should they feel the need.
miniman said:
1. Demonstrating that the driver did not disclose a fact about themselves that would have influenced the decision to insure.
2. Identifying undisclosed modifications to the vehicle - e.g. those alloys that you thought were standard.
3. Claiming via their assessor that the vehicle was unroadworthy.
4. In the case of a named driver, showing that they had majority use of the vehicle (i.e. "fronting")
5. In the case of a theft or taking with keys, arguing that the vehicle was not parked where it was declared to be stored.
All clauses in most policies that they can call on should they feel the need.
To the above points:2. Identifying undisclosed modifications to the vehicle - e.g. those alloys that you thought were standard.
3. Claiming via their assessor that the vehicle was unroadworthy.
4. In the case of a named driver, showing that they had majority use of the vehicle (i.e. "fronting")
5. In the case of a theft or taking with keys, arguing that the vehicle was not parked where it was declared to be stored.
All clauses in most policies that they can call on should they feel the need.
1. Failure to disclose a material fact is an offence in law, as the requirement is on the purchaser to disclose these (whether asked or not). Insurers don't write the law btw.
2. b
ks, the FSA has a clear policy on Treating Customers Fairly and they would not void a policy on that basis.However, they would pay out to cover the standard alloys. Alloys are as simple as factory fitted (option or standard) is viewed as standard, after market is a modification requiring declaration.3. If the vehicle was unroadworthy then it would have to be seriously unroadworthy for this to apply.
4. Fronting is insurance fraud and technically a criminal offence.
5. b
ks, the FSA has a clear policy on Treating Customers Fairly and they would not void a policy on that basis again. Unless the car was nt kept how you claimed it was in order to try to get a cheaper quote (see point 4).None of the points that you've made are clauses in policies in the way that you have worded them, they are your opinion of what may happen.,
Insurance is a pretty simple concept. You tell the insurer all about what you want covered and they assess the risk and offer cover at a premium. If you choose to "forget" to disclose certain aspects, all of which would strangely increase youur premium, then that's your look-out, as you took the policy by deception.
If you bought a car through a dealer, who conveniently "forgot" that the price was actually £3000 higher and some of the things you believed were included weren't then you'd be up in arms. Why is it any different when you try to defraud a company?
Edited by R1 Loon on Saturday 1st May 16:46
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