smart comment from wife
Discussion
I was moaning today about having wasted £300 on buying winter tyres this year and we've hardly even seen a snowflake. My wife came up with the statement that I also wasted £1500 on insurance for our 4 cars as we hadn't had an accident this year. I'm not sure if she realised she was sort of making a sensible point.
vanordinaire said:
I was moaning today about having wasted £300 on buying winter tyres this year and we've hardly even seen a snowflake. My wife came up with the statement that I also wasted £1500 on insurance for our 4 cars as we hadn't had an accident this year. I'm not sure if she realised she was sort of making a sensible point.
How d'you figure?
vanordinaire said:
I was moaning today about having wasted £300 on buying winter tyres this year and we've hardly even seen a snowflake. My wife came up with the statement that I also wasted £1500 on insurance for our 4 cars as we hadn't had an accident this year. I'm not sure if she realised she was sort of making a sensible point.
She's right in a way - you should crash all four of them all into each other at once in order to obtain maximum value from your premiums.Actually smash 'em into the house - you may as well get some value out of those premiums as well.
Your son is absolutely right.
The risk of fire/theft damage for each car is thd same, but the risk of accident in any one car is reduced substantially if you have four cars. An insurance premium should (and possibly does) reflect that though, as you probably are only insured based on very low annual mileage.
The risk of fire/theft damage for each car is thd same, but the risk of accident in any one car is reduced substantially if you have four cars. An insurance premium should (and possibly does) reflect that though, as you probably are only insured based on very low annual mileage.
Matt UK said:
She's right in a way - you should crash all four of them all into each other at once in order to obtain maximum value from your premiums.
Actually smash 'em into the house - you may as well get some value out of those premiums as well.
Surely if you smash a car into a house the car policy pays out, not the house policy..? Actually smash 'em into the house - you may as well get some value out of those premiums as well.
goldblum said:
vanordinaire said:
I was moaning today about having wasted £300 on buying winter tyres this year and we've hardly even seen a snowflake. My wife came up with the statement that I also wasted £1500 on insurance for our 4 cars as we hadn't had an accident this year. I'm not sure if she realised she was sort of making a sensible point.
How d'you figure?She is smart and right too.... When will we have the day when we have one policy and a card reader or similar in each car and before we set off we have to enter a card and pin code to activate the insurance before letting the car set off and some kinda time delay when the ignition is switched off. can't be hard to do. Wheras the policy by default covers all the cars for fire and theft simultaneously. (Not like those black box things).
vanordinaire said:
goldblum said:
vanordinaire said:
I was moaning today about having wasted £300 on buying winter tyres this year and we've hardly even seen a snowflake. My wife came up with the statement that I also wasted £1500 on insurance for our 4 cars as we hadn't had an accident this year. I'm not sure if she realised she was sort of making a sensible point.
How d'you figure?
Car insurance is a legal requirement, winter tyres are not. Winter tyres are not a kind of insurance, most accidents happen in snow in situations where other driver stupidity is to blame and your tyres make little/no difference. If everyone drove to the conditions it would make a far greater impact than if everyone fitted winters. The below 7c (oh but there was ice on my car this morning mwaa mwaa) argument doesn't wash either - summer tyres aren't unsafe at lower temps ffs. If you think it's icy just drive slower but the idiot tailgating you isn't interested what tyres you've got.
33q said:
Remember winter tyres are for cold wet weather under 7C. Not just for snow.
My winters have been on since November and will stay on until the end of March
I was thinking about this, with the amount of wet roads around me over the last two months, I've noticed my normally very grippy front tyres seem to want to understeer and wheelspin a lot.My winters have been on since November and will stay on until the end of March
A change in driving style obvioulsy helps sort this out to an extent, but perhaps some winter tyres would too?
It's goign to be interesting in the coming week when we are due a cold snap, and all this water turns to ice.
33q said:
Remember winter tyres are for cold wet weather under 7C. Not just for snow.
My winters have been on since November and will stay on until the end of March
^This^My winters have been on since November and will stay on until the end of March
Plus winters are way better in the wet, which we seem to be seeing alot of. Braking is night and day better from my summers in the wet.
T1berious said:
33q said:
Remember winter tyres are for cold wet weather under 7C. Not just for snow.
My winters have been on since November and will stay on until the end of March
^This^My winters have been on since November and will stay on until the end of March
Plus winters are way better in the wet, which we seem to be seeing alot of. Braking is night and day better from my summers in the wet.
http://www.autocar.co.uk/car-video/winter-tyres-te...
Other reviews I've read in the past imply this as well. If you think about it, it makes more sense. High performance summer tyres have treads cut at an angle specifically to help disperse water at speed. Winter tyres typically have treads cut across the tyre to aid grip on surfaces such as snow.
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