I see why people don't insure their cars now

[TG105]

kiseca said:

I don't see how that's a solution. It costs you the same whether you look at it weekly, monthly or annually. If that works, then you could feel even more comfortable by saying it's only £1.43 a day... or 6p per hour..

There's only so many £10 per week bills you can add before you've used up your weekly excess... and for most people, "so many" really isn't very many at all, and most won't be particularly excited about swapping a meal a week for car insurance.

Then learn to budget and get a cheaper car to insure.

[1430]

HA you're complaining about £500 car insurance, lucky you're not younger my best quote at 17 was £7500.

Somebody crashed into my van after a police chase, stolen car, no licence, he got a 2 year suspended sentence and a £250 fine.

So the moral of story is don't bother, worst case you pay a small fine which is less then a years tax anyway...

[TG105]

1430 said:

HA you're complaining about £500 car insurance, lucky you're not younger my best quote at 17 was £7500.

Somebody crashed into my van after a police chase, stolen car, no licence, he got a 2 year suspended sentence and a £250 fine.

So the moral of story is don't bother, worst case you pay a small fine which is less then a years tax anyway...

Or the story is someone got a criminal record, driving ban, future employment severely restricted, lessened quality of life, increased premiums if ever taken out, etc etc.

The sentence might have been lenient but the after effects will be felt for much longer.

[LuS1fer]

Terminator X said:

Surely they would just drive around in £50 motors?

TX.

It's a minimum 6 points for no insurance so it only takes two seized cars and you're disqualified for a minimum of 6 months although the court can extend this. The fine is based on a minimum of £120 for those on benefits, plus £30 victim surcharge plus £85 costs - otherwise fine based on your income. Ignore it and they can fine you £660, £66 surcharge and costs or thereabouts.

If you choose to then drive disqualified you risk prison but initially at least, a community order with unpaid work and a fine.

As another risk, if your £50 snotter is in a dangerous condition, you can be prosecuted for dangerous driving, just based on a serious defect.

[1430]

TG105 said:

Or the story is someone got a criminal record, driving ban, future employment severely restricted, lessened quality of life, increased premiums if ever taken out, etc etc.

The sentence might have been lenient but the after effects will be felt for much longer.

Not really, why would any of that matter to some scrote, I'm sure he would be delighted that nobody would employ him.

[Ikemi]

I’m 33 years old with 13 years NCB, one non-fault accident, and live within a nice postcode ... which actually resulted in an increase in my premiums when I moved from a less desirable area!

BMW Z3 1.9 - £180
Lotus Elise turbo (Highly modified
/engine conversion) - £440
Jaguar F-Type V6S - £510

I ran a quote for a Noble M12 GTO and it was surprisingly cheap! Cheaper than my Lotus!

Edited by Ikemi on Tuesday 9th July 19:00

[cmvtec]

My insurance this year has come in at £850. My insurance last year was £521.

I'm 30, full clean licence for over ten years, no claims bonus for 8. Car is a Jag X-type diesel auto. 143bhp and nowt flash.

I do have 2 non fault claims from people crashing into it. When I removed these from the quote to see how much difference it made, it was £20. I live in a "safe" postcode. I don't have points. No idea why it's so high.

[TG105]

1430 said:

TG105 said:

Or the story is someone got a criminal record, driving ban, future employment severely restricted, lessened quality of life, increased premiums if ever taken out, etc etc.

The sentence might have been lenient but the after effects will be felt for much longer.

Not really, why would any of that matter to some scrote, I'm sure he would be delighted that nobody would employ him.

Not many people are delighted to be criminals. It normally stems from a lack of education and an inability to contribute and correlate with society as a whole.

However If it’s that easy to be a criminal (as your example suggests) and reap the rewards and driving with no insurance is an answer then why stop there? Why not fill up and run at petrol stations? Why not pay for repairs on a stolen credit card? Why not steal a car in the first place?

[Scottchester]

Some insurers (greenlight for example) won't even insure BMW's anymore but are happy to insure highly modified cars.
I asked why they were fine with my 172 but wouldn't touch my 320d, the answer was a mixture of a large volume of claims by BMW drivers, high cost of replacement parts and something else which I've now forgotten.
The 330d is fast and rwd drive though so is suspect it's a high insurance group

[Integroo]

Scottchester said:

Some insurers (greenlight for example) won't even insure BMW's anymore but are happy to insure highly modified cars.
I asked why they were fine with my 172 but wouldn't touch my 320d, the answer was a mixture of a large volume of claims by BMW drivers, high cost of replacement parts and something else which I've now forgotten.
The 330d is fast and rwd drive though so is suspect it's a high insurance group

Lots of cars are fast and rwd and Greenlight would insure them, and as I understand it they also won't insure 116d's. I suspect it is the profile of BMW drivers and the numbers of claims they make only.

It is a bit odd to not insure a single marque though.

[anonymous-user]

In years gone by I used to pay upwards of £1,700 to insure a basic hatchback. Clean license as well. Last year I insured a Porsche 718 Boxster for £380.

Something about aging. Personally I think my reaction time was far better in my 20s... s.

[1430]

TG105 said:

Not many people are delighted to be criminals. It normally stems from a lack of education and an inability to contribute and correlate with society as a whole.

However If it’s that easy to be a criminal (as your example suggests) and reap the rewards and driving with no insurance is an answer then why stop there? Why not fill up and run at petrol stations? Why not pay for repairs on a stolen credit card? Why not steal a car in the first place?

I was half joking I'm not saying it's good idea.
I do think this country rewards criminals though, say for example he killed somebody during the chase. What would get about 10 years, out in half that with good behavior. Somebody is dead and an entire family bereaved and he'd living it up at the tax payers expense

[TG105]

1430 said:

I was half joking I'm not saying it's good idea.
I do think this country rewards criminals though, say for example he killed somebody during the chase. What would get about 10 years, out in half that with good behavior. Somebody is dead and an entire family bereaved and he'd living it up at the tax payers expense

I’m not sure ‘rewards’ is the correct word

[1430]

TG105 said:

I’m not sure ‘rewards’ is the correct word

Well the punishments only hurt law abiding people, lets look at your examples...

criminal record, don't care already had one
driving ban, don't care never had licence anyway
future employment, don't care never had a job
lessened quality of life, nope nothings changed
increased premiums, wouldn't have bought it anyway

What did happen? I'm out of pocket he faces 0 consequences, brilliant justice.

[TwigtheWonderkid]

Schmed said:

Something about aging. Personally I think my reaction time was far better in my 20s... s.

So the entire insurance industry, and the millions of stats they have collated, are wrong, because you think......

Who knew? You read it here first folks. 50 y/olds should pay more than teenagers because...reaction times!

[Bob-2146]

TwigtheWonderkid said:

Schmed said:

Something about aging. Personally I think my reaction time was far better in my 20s... s.

So the entire insurance industry, and the millions of stats they have collated, are wrong, because you think......

Who knew? You read it here first folks. 50 y/olds should pay more than teenagers because...reaction times!

[ChocolateFrog]

Yet AF will insure most people on a TVR for less than £200, a significant percentage below £100.

The car in the OP being powerful is bks. Probably other legitimate reasons, parts cost, nickability etc.

[kiseca]

Integroo said:

kiseca said:

TG105 said:

You can break a lot of motoring costs down into weekly costs. I’d bet most people describe their petrol spend in weekly terms.

It’s an easy way to explain that £500 isn’t a lot as it’s easy for most people to relate to.

It’s also an example of a problem with a relatively simply explanation and solution, but yet here we are.

I don't see how that's a solution. It costs you the same whether you look at it weekly, monthly or annually. If that works, then you could feel even more comfortable by saying it's only £1.43 a day... or 6p per hour..

There's only so many £10 per week bills you can add before you've used up your weekly excess... and for most people, "so many" really isn't very many at all, and most won't be particularly excited about swapping a meal a week for car insurance.

Put it this way, £500 quid a year is not much for insurance.

I was insuring an XE 25T, also 240bhp, for £200 less than that. Depends what you compare it to. Yes, there's a whole bunch of factors other than the car, which in the OP's case haven't changed, but the insurance company doesn't tell you what's making the difference, and if you don't know, it's reasonable to question.

Certainly on the evidence of this thread alone it's not because powerful and RWD. It's also not about post code because OP didn't move. Only thing that changed is car. He also has NCB which increased by 1 year.....

Clearly the BMW is seen as a higher risk, but it can't simply be because there are more of them so they're involved in more accidents by simple law of averages. If there are 100,000 of them, that doesn't make one single owner more likely to be in a crash than if he were in a car of which only 10,000 were made.

[Pig benis]

Update -

Hello folks

I've been messing around with quotes since yesterday and I've managed to get a reasonable quote from a company called Lancaster Insurance. A quick google has said they are a broker, but worryingly they have terrible reviews plastered all over TrustPilot until yesterday, maybe purchased some fake 4-5 star reviews?

https://uk.trustpilot.com/review/www.lancasterinsu...

Has anyone here used this company before?

Thanks
PB

[TwigtheWonderkid]

Bob-2146 said:

TwigtheWonderkid said:

Schmed said:

Something about aging. Personally I think my reaction time was far better in my 20s... s.

So the entire insurance industry, and the millions of stats they have collated, are wrong, because you think......

Who knew? You read it here first folks. 50 y/olds should pay more than teenagers because...reaction times!

OK, I missed the sarcasm!