****ing Insurance

Author
Discussion

CarlosSainz100

470 posts

119 months

Sunday 17th March 2019
quotequote all
In Turkey car insurance is based on the person not the car. So a person gets 'car' insurance and then can drive any car they like at any time.......😲

TwigtheWonderkid

43,248 posts

149 months

Monday 18th March 2019
quotequote all
CarlosSainz100 said:
In Turkey car insurance is based on the person not the car. So a person gets 'car' insurance and then can drive any car they like at any time.......??
That must lead to a lot a very angry Citroen C1 owners and a lot of very happy supercar drivers.

But surely a system like ours, where the details of the driver and the car are taken into account is better.

Lazadude

1,732 posts

160 months

Monday 18th March 2019
quotequote all
The Moose said:
Well, the US is more expensive. I know as I live here.

NZ is more expensive according to some family who moved there.

Granted, I don’t know about the other two.
The US difference is that you insure the car though, rather than the drivers IIRC?

TwigtheWonderkid

43,248 posts

149 months

Monday 18th March 2019
quotequote all
So, it seems:

Some countries insure the person, not the car, and having bought insurance you can drive anything. Unfair for drivers of small cars, good for drivers of performance cars.
Some countries insure the car, not the person, so having insured the car, anyone can drive it. Unfair on mature low risk drivers, great for young high risk drivers.
UK, both the person and the car are insured so taken into account.....Surely the fairest solution.

popeyewhite

19,622 posts

119 months

Monday 18th March 2019
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TurboHatchback said:
..... I was explicitly told that this would be going down as a non-fault claim.
Exactly the same thing happened to me.

By the time 5 years had elapsed my premium increase had more than covered the cost (£600) of repairs. Utter rip off. Insurance is based on the principle of you don't claim, they keep your money - you do claim they lose out. This way is win/win for them and just legalised theft really.

funkyrobot

18,789 posts

227 months

Monday 18th March 2019
quotequote all
AllyBassman said:
Pica-Pica said:
I think you mean ‘open-and-shut case’. ‘Cut-and-shut’ refers to a car made from two previously wrecked cars which are welded together to make a one single new car.
Ammended! coffee
I think you mean 'Amended'.

pete_esp

232 posts

94 months

Monday 18th March 2019
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Warby80 said:
pete_esp said:
Yup, I got a policy from what I though was a premium & prestige specialist.

I had to do all of the leg work for my insurance & accident(x-loosecoins) management company over what should have been a straight forward non fault claim.
If I hadn't spent literally days on the phone between companies doing there work for them I'd have had to swallow 50/50 for someone coming onto my side of the road, hitting me and driving off.

They reported themselves to the police when they saw the damage to their own car. Guess who comes out worst in Merc V's Pug?

Anywhoo, £3k of repairs for a wing mirror to my car, £13k for my courtesy car plus the repairs to the at fault parties car & a claim for my loss of income, all because the walloper who hit me thought he/she could get off with it.

I am not looking forward to renewal time, especially as days after my car was returned to me after the repair some gentlemen arrived at my house at 5am to unburden me of it.
£13k for your courtesy car? Really, £13,000?

You are part of the reason that your renewal is going to be a fair chunk more…
Yep, that's what they billed but they did settle for far less. £300 per day for just over 6 weeks as the 3rd party was disputing liability.
This was with an accident management company.

I think it's unfair that my renewal would go up as a result of something outside my control i.e. being hit by another driver, who wants to try his luck in the hope I'll share or assume liability.

I'm sure these accident management companies are part of the reason insurance costs so much, they charge a fortune. The worst of it is they didn't even do anything to pursue my claim. I did all of the legwork and sorted it out myself. They provided my with a courtesy car, then after a few weeks started chasing me with vigour because the claim hadn't been resolved yet. The experience taught me that insurance is a very murky world full, I couldn't keep track of which company was doing what as others seemed to become involved.

Another reason my premium will go up at renewal is that my car was nicked less than a week after it had been returned from it's repair... Again through no fault of mine.



TwigtheWonderkid

43,248 posts

149 months

Monday 18th March 2019
quotequote all
pete_esp said:
Another reason my premium will go up at renewal is that my car was nicked less than a week after it had been returned from it's repair... Again through no fault of mine.
Are you willing to pay extra for car insurance, to subsidise 17 year olds? It's not their fault they are 17. Are you willing to pay extra for travel and life insurance so those with serious medical problems (thru no fault of theirs) don't get penalised?

People always moan about getting charged extra for something that's no fault of theirs, but expect others to have to pay extra for things that are not their fault.



pete_esp

232 posts

94 months

Monday 18th March 2019
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TwigtheWonderkid said:
pete_esp said:
Another reason my premium will go up at renewal is that my car was nicked less than a week after it had been returned from it's repair... Again through no fault of mine.
Are you willing to pay extra for car insurance, to subsidise 17 year olds? It's not their fault they are 17. Are you willing to pay extra for travel and life insurance so those with serious medical problems (thru no fault of theirs) don't get penalised?

People always moan about getting charged extra for something that's no fault of theirs, but expect others to have to pay extra for things that are not their fault.
i've been paying for that for 12 years without complaining, that's what insurance is after all. My annoyance is that I am, through no fault of mine, deemed as a higher risk. And yes I do expect my insurance to put me back in the position I was in before the incidents, again that is what insurance is for. Supposedly.

FWIW, the one time I did have a claim that was my fault I expected my premiums to go up. They did, I sucked it up. Fair enough.

I understand your point but it's made poorly.


Funk

26,254 posts

208 months

Monday 18th March 2019
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fiju said:
I only have insurance because I have to. I fiddle the st out of the comparison websites to get the cheapest quote possible. I live in London so I try to put my address as somewhere low risk in the sticks. This year they thought they were clever by asking for proof of address with a utility bill... photoshop fixed that lol. Call it fraud or whatever, I call it winning.
It's fraud and you're a grade one .

fiju

704 posts

62 months

Monday 18th March 2019
quotequote all
Funk said:
It's fraud and you're a grade one .
I don't give a st. I'll defraud your ass too.

deckster

9,630 posts

254 months

Monday 18th March 2019
quotequote all
fiju said:
Funk said:
It's fraud and you're a grade one .
I don't give a st. I'll defraud your ass too.
https://www.pistonheads.com/gassing/topic.asp?h=0&...

So it's only other people that you hold to higher standards of behaviour? roflrofl

TwigtheWonderkid

43,248 posts

149 months

Monday 18th March 2019
quotequote all
deckster said:
fiju said:
Funk said:
It's fraud and you're a grade one .
I don't give a st. I'll defraud your ass too.
https://www.pistonheads.com/gassing/topic.asp?h=0&...

So it's only other people that you hold to higher standards of behaviour? roflrofl
rofl

Brilliant.

TwigtheWonderkid

43,248 posts

149 months

Monday 18th March 2019
quotequote all
pete_esp said:
My annoyance is that I am, through no fault of mine, deemed as a higher risk.
But you are a higher risk. Or at least, like a 17 y/o, you fall into a group that is a higher risk. Whether you are as an individual or not isn't relevant.

Funk

26,254 posts

208 months

Monday 18th March 2019
quotequote all
TwigtheWonderkid said:
deckster said:
fiju said:
Funk said:
It's fraud and you're a grade one .
I don't give a st. I'll defraud your ass too.
https://www.pistonheads.com/gassing/topic.asp?h=0&...

So it's only other people that you hold to higher standards of behaviour? roflrofl
rofl

Brilliant.
hehehehehehe