I see why people don't insure their cars now
Discussion
Pit Pony said:
It's just transport. Can you get to where you want to go cheaper?
Of course I can, anyone can. But my lifestyle (Dog, fishing and shooting) and job (agriculture) etc dictate that I need at least what I currently have if not something larger, (hence why I had the E class).
Furthermore, I like cars and I enjoy owning one. It's music to my ears seeing the running costs of my current car compared to previously mentioned ones, but being a big guy and having the job I do and the hobbies I do, I would benefit from a larger motor but am put off from one due to associated costs. Can I get where I want to go cheaper is irrelevant. It's personal requirements that I see as relevant.
I paid around £450 last year for my Range Rover, this year the same company wanted £1400! Full NCB, No accidents, clean license, good area etc.
I looked around and lots of companies won't even insure a RR, the best I could get was £850 - I really don't understand insurance, when I was 18 they promised it would get cheaper as I got older!
I looked around and lots of companies won't even insure a RR, the best I could get was £850 - I really don't understand insurance, when I was 18 they promised it would get cheaper as I got older!
As to the original question of why people don't insure their cars, it seems you can tax a car with just the logbook and as long as it has an MoT it seems to go through, it seems to have done that to someone I know because his car is not showing on the MID site but is on the tax site. Do the APNR cameras check just for tax or insurance as well?
It can't be unrelated that police numbers have been slashed beyond the bone, and that car thefts have risen by 50% in the last five years ( to January 2019). Recovery of stolen cars is much reduced because organised gangs export them to Eastern Europe and beyond. Thefts of many top end cars are much easier due to KESSY, and the ability to start a car with a chuffing laptop.
Car manufacturers have let down owners in a big way when it comes to security. Thefts from cars have also increased due no doubt to an invisible police service, and scrotes will think nothing of causing over £500 damage breaking into a car, in the hope of finding some loose change or a satnav. You only have to watch programmes like Police Interceptors etc to realise that these scrotes have little fear of being caught, and that punishments when they are caught are ludicrously lenient. Even when they seem to be caught banged to rights, no charges are brought due to "lack of evidence". Vans are also a very common target now, with scrotes peeling the sides off to get at the tools that might be inside, again, because van makers haven't got their act together.
Another factor, as if these are not enough, is the constantly increasing number of cars on the road (almost to the point of destroying any joy in driving). More cars means a greater density of traffic, so the likelihood of more accidents. Cars are designed to progressively fall apart in an accident, and because cars are designed without any thought to repair costs, the cost of even a relatively minor bump is horrendous. Environmental restrictions and regulation for repair garages are constantly being ratcheted up, also increasing their costs, which are passed on to the customer.
All this has to be paid for and it is the working Joe that picks up the bill. It's bad enough, but I'm surprised insurance doesn't cost more,
Car manufacturers have let down owners in a big way when it comes to security. Thefts from cars have also increased due no doubt to an invisible police service, and scrotes will think nothing of causing over £500 damage breaking into a car, in the hope of finding some loose change or a satnav. You only have to watch programmes like Police Interceptors etc to realise that these scrotes have little fear of being caught, and that punishments when they are caught are ludicrously lenient. Even when they seem to be caught banged to rights, no charges are brought due to "lack of evidence". Vans are also a very common target now, with scrotes peeling the sides off to get at the tools that might be inside, again, because van makers haven't got their act together.
Another factor, as if these are not enough, is the constantly increasing number of cars on the road (almost to the point of destroying any joy in driving). More cars means a greater density of traffic, so the likelihood of more accidents. Cars are designed to progressively fall apart in an accident, and because cars are designed without any thought to repair costs, the cost of even a relatively minor bump is horrendous. Environmental restrictions and regulation for repair garages are constantly being ratcheted up, also increasing their costs, which are passed on to the customer.
All this has to be paid for and it is the working Joe that picks up the bill. It's bad enough, but I'm surprised insurance doesn't cost more,
It can't be unrelated that police numbers have been slashed beyond the bone, and that car thefts have risen by 50% in the last five years ( to January 2019). Recovery of stolen cars is much reduced because organised gangs export them to Eastern Europe and beyond. Thefts of many top end cars are much easier due to KESSY, and the ability to start a car with a chuffing laptop.
Car manufacturers have let down owners in a big way when it comes to security. Thefts from cars have also increased due no doubt to an invisible police service, and scrotes will think nothing of causing over £500 damage breaking into a car, in the hope of finding some loose change or a satnav. You only have to watch programmes like Police Interceptors etc to realise that these scrotes have little fear of being caught, and that punishments when they are caught are ludicrously lenient. Even when they seem to be caught banged to rights, no charges are brought due to "lack of evidence". Vans are also a very common target now, with scrotes peeling the sides off to get at the tools that might be inside, again, because van makers haven't got their act together.
Another factor, as if these are not enough, is the constantly increasing number of cars on the road (almost to the point of destroying any joy in driving). More cars means a greater density of traffic, so the likelihood of more accidents. Cars are designed to progressively fall apart in an accident, and because cars are designed without any thought to repair costs, the cost of even a relatively minor bump is horrendous. Environmental restrictions and regulation for repair garages are constantly being ratcheted up, also increasing their costs, which are passed on to the customer.
All this has to be paid for and it is the working Joe that picks up the bill. It's bad enough, but I'm surprised insurance doesn't cost more,
Car manufacturers have let down owners in a big way when it comes to security. Thefts from cars have also increased due no doubt to an invisible police service, and scrotes will think nothing of causing over £500 damage breaking into a car, in the hope of finding some loose change or a satnav. You only have to watch programmes like Police Interceptors etc to realise that these scrotes have little fear of being caught, and that punishments when they are caught are ludicrously lenient. Even when they seem to be caught banged to rights, no charges are brought due to "lack of evidence". Vans are also a very common target now, with scrotes peeling the sides off to get at the tools that might be inside, again, because van makers haven't got their act together.
Another factor, as if these are not enough, is the constantly increasing number of cars on the road (almost to the point of destroying any joy in driving). More cars means a greater density of traffic, so the likelihood of more accidents. Cars are designed to progressively fall apart in an accident, and because cars are designed without any thought to repair costs, the cost of even a relatively minor bump is horrendous. Environmental restrictions and regulation for repair garages are constantly being ratcheted up, also increasing their costs, which are passed on to the customer.
All this has to be paid for and it is the working Joe that picks up the bill. It's bad enough, but I'm surprised insurance doesn't cost more,
Pig benis said:
Hello folks
In no way shape or form do I condone driving an uninsured car on the public roads, but I now understand why people don't insure their cars. It is bloody expensive!
Over the past few days, I have been trying to insure my BMW 330D LCI Auto, which is completely standard and I barely do any miles. My insurance quotes are coming back at over £500!!!! Which I don't mind paying on an M3, or a faster car, but this is just a diesel BMW...
Speaking to Adrian Flux yesterday, the insurance underwriter told me this car is a high-risk motor, where a lot of people crash them because they are so powerful.. I couldn't believe what I was hearing, since when is 245hp "so powerful"?
My insurance background - licence held for 13 years, with 12 years no claims discount. I also have another car (track toy) with full mods declared and that is £300 per annum to insure,
I'm by no means an insurance expert, so I'm wondering if anyone has any advice on reducing the insurance quotes? I have tried all the big comparison website, Direct Line and Adrian Flux. Do you kind folks have any other insurance companies you'd recommend?
I refuse to pay £500+ for insurance on a diesel, especially as last year it cost me only £342.
Thanks folks
PB
I pay less than 300 quid fully comp for a Lotus Esprit turbo. Why you have been quoted and are likely to pay 500 for a diesel crap box is beyond me. Look elsewhere for insurance is my advice.In no way shape or form do I condone driving an uninsured car on the public roads, but I now understand why people don't insure their cars. It is bloody expensive!
Over the past few days, I have been trying to insure my BMW 330D LCI Auto, which is completely standard and I barely do any miles. My insurance quotes are coming back at over £500!!!! Which I don't mind paying on an M3, or a faster car, but this is just a diesel BMW...
Speaking to Adrian Flux yesterday, the insurance underwriter told me this car is a high-risk motor, where a lot of people crash them because they are so powerful.. I couldn't believe what I was hearing, since when is 245hp "so powerful"?
My insurance background - licence held for 13 years, with 12 years no claims discount. I also have another car (track toy) with full mods declared and that is £300 per annum to insure,
I'm by no means an insurance expert, so I'm wondering if anyone has any advice on reducing the insurance quotes? I have tried all the big comparison website, Direct Line and Adrian Flux. Do you kind folks have any other insurance companies you'd recommend?
I refuse to pay £500+ for insurance on a diesel, especially as last year it cost me only £342.
Thanks folks
PB
Edited by Pig benis on Tuesday 9th July 09:00
I've always paid around £500 per car after I got to two years NCB.
Think around £500 is lowest rate insurers will charge for being in London and doesn't depend too much on what insurance group the car is in.
I'm currently driving two cars both which are in the highest insurance group but also drove a group 3 for a while and there was no difference in premium.
A few people at my work (Central London) used to ride in on moped/motorbike but over the past fews their insurance has increased to such an extent that they have been priced off the road (cheaper to get a £3k oyster yearly travelcard).
Think around £500 is lowest rate insurers will charge for being in London and doesn't depend too much on what insurance group the car is in.
I'm currently driving two cars both which are in the highest insurance group but also drove a group 3 for a while and there was no difference in premium.
classicaholic said:
I paid around £450 last year for my Range Rover, this year the same company wanted £1400! Full NCB, No accidents, clean license, good area etc.
I looked around and lots of companies won't even insure a RR, the best I could get was £850 - I really don't understand insurance, when I was 18 they promised it would get cheaper as I got older!
Keyless theft, lots of insurers are now placing blanket bans in certain postcodes or giving stupidly high quotations/renewals on the most easily stolen cars.I looked around and lots of companies won't even insure a RR, the best I could get was £850 - I really don't understand insurance, when I was 18 they promised it would get cheaper as I got older!
A few people at my work (Central London) used to ride in on moped/motorbike but over the past fews their insurance has increased to such an extent that they have been priced off the road (cheaper to get a £3k oyster yearly travelcard).
untakenname said:
I've always paid around £500 per car after I got to two years NCB.
Think around £500 is lowest rate insurers will charge for being in London and doesn't depend too much on what insurance group the car is in.
I'm paying £300 for a 1 y/o Merc GLC, outer London. Mid 50's, me and the wife, max ncb. Sure I'd be paying £200 or less if I had a Citroen C1 or similar. Think around £500 is lowest rate insurers will charge for being in London and doesn't depend too much on what insurance group the car is in.
TwigtheWonderkid said:
I'm paying £300 for a 1 y/o Merc GLC, outer London. Mid 50's, me and the wife, max ncb. Sure I'd be paying £200 or less if I had a Citroen C1 or similar.
That sounds reasonable - I'm a bit outside the M25 and paying a bit over £300 a year for a 14 year old BMW 330i with Max NCD. What model of GLC do you have?
ambuletz said:
i don't understand people who moan about £200-300 insurance, going up by £5. young people have to pay upwards of £1500 and you don't see anywhere as near as many threads as one like this, if anything they're more likely to drive without insurance because it's actually expensive.
Well it probably is, and for a reason! Which was always the case - welcome to the real world.
If you can't afford it you can't have it can you?
Why drive without insurance because "it's actually expensive" FFS!
There is usually a reason for that. :w
ker:At times car insurance seems really random. My wife and I are/were both insured with Direct Line, she has a Disco Sport and I replaced a 2.3 Mustang with a BMW 435 a few months ago, and both are in exactly the same insurance group. My renewal last month was +£150 and hers was +£20. So maybe those saying BMWs are just expensive might be right.
My M5 was stolen, original premium was about £800. For the pleasure of having my car stolen, losing 15 years of no claims down to 3 and a £500 excess, cheapest quote now for a similar car is £2500. Think yourself lucky. It's the fact police don't care about car crime premiums are so high.
I reverted to a hot hatch at a 3rd of the cost, still costing me more than the M5.
I reverted to a hot hatch at a 3rd of the cost, still costing me more than the M5.
The problem with insurance is that it is like a country having a nuclear deterrent. Always expensive and if lucky never likely to be used, but as the saying goes it is always better to have it and not need it, than it is to not have it, and then need it.
The further problem is that it is the very scrotes, who drive without insurance, who are putting up the premiums for everyone else, along with the false claim merchants, and the likes of the whiplash scammers who use insurance claims as a way of making cash.
A further factor would be the increased prices being charged for even everyday cars, whilst there does `seem' to be a larger proportion of high end, very expensive cars about on the roads there days.
The further problem is that it is the very scrotes, who drive without insurance, who are putting up the premiums for everyone else, along with the false claim merchants, and the likes of the whiplash scammers who use insurance claims as a way of making cash.
A further factor would be the increased prices being charged for even everyday cars, whilst there does `seem' to be a larger proportion of high end, very expensive cars about on the roads there days.
jamei303 said:
Anyone who doesn't want to participate in the highly competitive UK car insurance market is of course free to deposit £500,000 with Accountant General of the Senior Courts instead.
For now. However, it is has been out for consultation, and £500,000 is unlikely to meet third party claims where life-long care is needed.Pan Pan Pan said:
The problem with insurance is that it is like a country having a nuclear deterrent. Always expensive and if lucky never likely to be used, but as the saying goes it is always better to have it and not need it, than it is to not have it, and then need it.
The further problem is that it is the very scrotes, who drive without insurance, who are putting up the premiums for everyone else, along with the false claim merchants, and the likes of the whiplash scammers who use insurance claims as a way of making cash.
A further factor would be the increased prices being charged for even everyday cars, whilst there does `seem' to be a larger proportion of high end, very expensive cars about on the roads there days.
My brother who was an insurance actuary, never had insurance for contents. My sister in law never locks her back door. The cost and fuss of replacing a new patio door would cost more than whatever would be usefully stolen.The further problem is that it is the very scrotes, who drive without insurance, who are putting up the premiums for everyone else, along with the false claim merchants, and the likes of the whiplash scammers who use insurance claims as a way of making cash.
A further factor would be the increased prices being charged for even everyday cars, whilst there does `seem' to be a larger proportion of high end, very expensive cars about on the roads there days.
classicaholic said:
I paid around £450 last year for my Range Rover, this year the same company wanted £1400! Full NCB, No accidents, clean license, good area etc.
I looked around and lots of companies won't even insure a RR, the best I could get was £850 - I really don't understand insurance, when I was 18 they promised it would get cheaper as I got older!
Pay the fellow, and damn his impudence. I looked around and lots of companies won't even insure a RR, the best I could get was £850 - I really don't understand insurance, when I was 18 they promised it would get cheaper as I got older!
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