Black box insurance cancelled - help
Discussion
I actually think insurance is quite straight forward. People who are a high risk pay more for insurance than people who are a lower risk.
Whether employers require flexibility or not is another issue, but it isn't something i'd worry about. I suspect a lot of supermarket staff don't run a car.
Whether employers require flexibility or not is another issue, but it isn't something i'd worry about. I suspect a lot of supermarket staff don't run a car.
Devil2575 said:
I actually think insurance is quite straight forward. People who are a high risk pay more for insurance than people who are a lower risk.
Whether employers require flexibility or not is another issue, but it isn't something i'd worry about. I suspect a lot of supermarket staff don't run a car.
I'd also like to know how many young people have the appropriate cover for driving to work and back and have also declared they're working part time (if they're students).Whether employers require flexibility or not is another issue, but it isn't something i'd worry about. I suspect a lot of supermarket staff don't run a car.
DonkeyApple said:
What I don't have any sympathy for is the chap who stands in front of me with a £10 cocktail, an iPhone, a new car and proceeds to b
h about the cost of insurance. I simply find myself thinking their dad must be a properly incompetent cock socket to have sired such a deluded, self entitled tit in desperate need of a massive correctional kick in the pants. 
That I completely agree with!h about the cost of insurance. I simply find myself thinking their dad must be a properly incompetent cock socket to have sired such a deluded, self entitled tit in desperate need of a massive correctional kick in the pants. Some people just don't have their priorities
I have a friend who is very much like that. no money to pay his rent but manages to go out and get rat arsed every weekend.
Really mate?
To provide some balance to the OP, I had to get a telemetry device to insure the Mrs on a car I bought her.
She hardly ever drove the car (ungrateful!), the battery was almost always flat, and Admiral asked for the tracker back 3 months later. No cancellation or anything of the sort, the worst that happened was I didn't get an additional bonus from sensible driving.
Thank you for using Admiral Plug and Drive
You have reached the three month point of using your Plug and Drive unit, so it'€™s now time for you to return the unit to us.
We note from our records that we have not been able to collect enough driving data for you to perform a three month review. This is possibly because the vehicle isn'€™t used regularly, because the unit has been occasionally unplugged, or because it has not been used for every trip.
As we haven'€™t been able to record enough driving within the agreed 3 month period to give you a fair score, we will not be able to review your driving or consider you for an additional discount at this point.
She hardly ever drove the car (ungrateful!), the battery was almost always flat, and Admiral asked for the tracker back 3 months later. No cancellation or anything of the sort, the worst that happened was I didn't get an additional bonus from sensible driving.
Thank you for using Admiral Plug and Drive
You have reached the three month point of using your Plug and Drive unit, so it'€™s now time for you to return the unit to us.
We note from our records that we have not been able to collect enough driving data for you to perform a three month review. This is possibly because the vehicle isn'€™t used regularly, because the unit has been occasionally unplugged, or because it has not been used for every trip.
As we haven'€™t been able to record enough driving within the agreed 3 month period to give you a fair score, we will not be able to review your driving or consider you for an additional discount at this point.
xjay1337 said:
there are elements of the insurance industry that are stupid and unfathomable.
I think this about many industries, as an outsider looking in. Thankfully I'm not stupid enough to assume I'm right, and I guess that if I knew more about the industry, there would be good reasons for them doing some of the stuff I find daft.But that kind of self awareness comes with maturity.
TwigtheWonderkid said:
I think this about many industries, as an outsider looking in. Thankfully I'm not stupid enough to assume I'm right, and I guess that if I knew more about the industry, there would be good reasons for them doing some of the stuff I find daft.
But that kind of self awareness comes with maturity.
Have you finished with the cheap personal digs, pops? But that kind of self awareness comes with maturity.
DonkeyApple said:
Yup. Same.
So maybe the actual issue isn't the cost of insurance but that the money they have is being spent on things that twenty years ago we never had or did? When I was scraping the money together for the car insurance I didn't have the crippling costs of mobile phones, media contracts, having to go out every night or forced to buy mohitos instead of beer.
If you had down to Shoreditch you'll find a lot of young men saving money by foregoing socks and shaving. They also seem to be avoiding the expense of buying trousers that fit properly. Financial prudence is not dead yet! But at what a cost to their dignity. So maybe the actual issue isn't the cost of insurance but that the money they have is being spent on things that twenty years ago we never had or did? When I was scraping the money together for the car insurance I didn't have the crippling costs of mobile phones, media contracts, having to go out every night or forced to buy mohitos instead of beer.
Bravo sir 
DonkeyApple said:
What I don't have any sympathy for is the chap who stands in front of me with a £10 cocktail, an iPhone, a new car and proceeds to bh about the cost of insurance. I simply find myself thinking their dad must be a properly incompetent cock socket to have sired such a deluded, self entitled tit in desperate need of a massive correctional kick in the pants.
Why not? Maybe he has treated himself to one £10 cocktail and pays £30 per month for his phone or even works selling the things.h about the cost of insurance. I simply find myself thinking their dad must be a properly incompetent cock socket to have sired such a deluded, self entitled tit in desperate need of a massive correctional kick in the pants. The fact that he has spent £370 does not mean that he can afford to spend 5 x that amount on car insurance.
Not sure anyone should be judged by one look at their drink and communication device.
blueg33 said:
DonkeyApple said:
What I don't have any sympathy for is the chap who stands in front of me with a £10 cocktail, an iPhone, a new car and proceeds to bh about the cost of insurance. I simply find myself thinking their dad must be a properly incompetent cock socket to have sired such a deluded, self entitled tit in desperate need of a massive correctional kick in the pants.
Why not? Maybe he has treated himself to one £10 cocktail and pays £30 per month for his phone or even works selling the things.h about the cost of insurance. I simply find myself thinking their dad must be a properly incompetent cock socket to have sired such a deluded, self entitled tit in desperate need of a massive correctional kick in the pants. The fact that he has spent £370 does not mean that he can afford to spend 5 x that amount on car insurance.
Not sure anyone should be judged by one look at their drink and communication device.
It's all whiffs of smoke that point out the high probability of there being a fire.
ATG said:
If you had down to Shoreditch you'll find a lot of young men saving money by foregoing socks and shaving. They also seem to be avoiding the expense of buying trousers that fit properly. Financial prudence is not dead yet! But at what a cost to their dignity.
Funnily enough, I've just treated myself to a new pair of plus 2s and when my 5 year old daughter pointed out that my trousers were too short and given that I hadn't shaved since late November I found myself wondering if this was the closest I had ever been in my life to being sartorially on trend. DonkeyApple said:
blueg33 said:
DonkeyApple said:
What I don't have any sympathy for is the chap who stands in front of me with a £10 cocktail, an iPhone, a new car and proceeds to bh about the cost of insurance. I simply find myself thinking their dad must be a properly incompetent cock socket to have sired such a deluded, self entitled tit in desperate need of a massive correctional kick in the pants.
Why not? Maybe he has treated himself to one £10 cocktail and pays £30 per month for his phone or even works selling the things.h about the cost of insurance. I simply find myself thinking their dad must be a properly incompetent cock socket to have sired such a deluded, self entitled tit in desperate need of a massive correctional kick in the pants. The fact that he has spent £370 does not mean that he can afford to spend 5 x that amount on car insurance.
Not sure anyone should be judged by one look at their drink and communication device.
It's all whiffs of smoke that point out the high probability of there being a fire.
Condi said:
750turbo said:
fk me, I am bored.
School holidays people, school holidays. k me, I am bored.I left school over 30 years ago, I wish I was still there to be honest.
Apologies for upsetting a few bleeding hearts though... or not. Life is really too short.
OP - In the off chance that you have not taken off to the hills in the wake of some of the comments on here, some serious, some not, would you care to comment at all?
Quite a few people moaning here about having to pay more on their own policy due to young drivers being an additional risk.
I must do the same through my own car insurance I suppose. In addition to that, I have to pay a stupid amount of tax on my earnings to fund (in part) people who use the NHS, the disabled/less fortunate, those who get their children educated in the state system etc.
I don't use any of the above - where can I put in for a refund on my taxes?
Oh, I can't. That's the price of living in a decent society and helping those at the bottom of various ladders.
Not too bad a price when you think about it.
I must do the same through my own car insurance I suppose. In addition to that, I have to pay a stupid amount of tax on my earnings to fund (in part) people who use the NHS, the disabled/less fortunate, those who get their children educated in the state system etc.
I don't use any of the above - where can I put in for a refund on my taxes?
Oh, I can't. That's the price of living in a decent society and helping those at the bottom of various ladders.
Not too bad a price when you think about it.
vikingaero said:
£30 a month for their phone?! We have a couple of young lads at work on £60-£80 iPhone 6 contracts and they are the ones that are always skint.
What the fk are they doing on their phones that costs £60-£80 a month. I have an old school Nokia phone that I can call people or text when im out and about. However lots of places these days have free wifi. Been to pubs where the wifi password is on a chalkboard above the bar. I have an ipod 5gen that I can do everything an iphone does, fire up Facebook, check my emails, look at the fking internet its free. I went to get my car MOT'd wifi password on the wall, watching a TV show while they sorted my car. Cotty said:
What the fk are they doing on their phones that costs £60-£80 a month. I have an old school Nokia phone that I can call people or text when im out and about. However lots of places these days have free wifi. Been to pubs where the wifi password is on a chalkboard above the bar. I have an ipod 5gen that I can do everything an iphone does, fire up Facebook, check my emails, look at the fking internet its free. I went to get my car MOT'd wifi password on the wall, watching a TV show while they sorted my car.
Good for you.k are they doing on their phones that costs £60-£80 a month. I have an old school Nokia phone that I can call people or text when im out and about. However lots of places these days have free wifi. Been to pubs where the wifi password is on a chalkboard above the bar. I have an ipod 5gen that I can do everything an iphone does, fire up Facebook, check my emails, look at the fking internet its free. I went to get my car MOT'd wifi password on the wall, watching a TV show while they sorted my car. Many phone contracts are between 30 and 50 quid a month. By the time you pay for a Spotify and Netflix subscription that could easily be <£80.
My own contract is £47..
DonkeyApple said:
Yup. Same.
So maybe the actual issue isn't the cost of insurance but that the money they have is being spent on things that twenty years ago we never had or did? When I was scraping the money together for the car insurance I didn't have the crippling costs of mobile phones, media contracts, having to go out every night or forced to buy mohitos instead of beer.
I agree with this.So maybe the actual issue isn't the cost of insurance but that the money they have is being spent on things that twenty years ago we never had or did? When I was scraping the money together for the car insurance I didn't have the crippling costs of mobile phones, media contracts, having to go out every night or forced to buy mohitos instead of beer.
Not just car related but I remember when I got my first house in 2000 and money was tight. We didn't have internet, we didn't have sky/cable and if I was lucky I managed to get a couple of 4 packs of cheap beer a week from the local shop. I also stopped smoking. I always had the money to insure the car and the house though.
It's about expectations and priorities.
xjay1337 said:
Good for you.
Many phone contracts are between 30 and 50 quid a month. By the time you pay for a Spotify and Netflix subscription that could easily be <£80.
My own contract is £47..
I have a Sony but it's not top of the range so I pay £22 a month.Many phone contracts are between 30 and 50 quid a month. By the time you pay for a Spotify and Netflix subscription that could easily be <£80.
My own contract is £47..
I think people sometimes forget that a flash phone is a luxury.
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