Are Japanese cars higher to insure than German?
Discussion
I have stopped trying to figure out car insurance, so many variables to consider.
My wife had a Yaris, 3 cylinder, 0.9 L. Bought it during covid so could not take it on a decent test drive for some reason.
She had it a few weeks and suddenly announced that she hated how underpowered it was. The dealer we got it from bought it back as it was good stock for him.
She liked the Yaris as a car and we spotted a 1.8L SR model, a 'warm hatch'. It went much better so it was purchased.
I rang the insurance to swap the details over and they announced that we were due a small refund. I was shocked and questioned why, the woman on the phone said the demographic of the type of person that can afford to buy and run a lower powered car was a greater risk than an older person who could afford the higher powered car?
My wife had a Yaris, 3 cylinder, 0.9 L. Bought it during covid so could not take it on a decent test drive for some reason.
She had it a few weeks and suddenly announced that she hated how underpowered it was. The dealer we got it from bought it back as it was good stock for him.
She liked the Yaris as a car and we spotted a 1.8L SR model, a 'warm hatch'. It went much better so it was purchased.
I rang the insurance to swap the details over and they announced that we were due a small refund. I was shocked and questioned why, the woman on the phone said the demographic of the type of person that can afford to buy and run a lower powered car was a greater risk than an older person who could afford the higher powered car?
brillomaster said:
I suspect big estate cars are seen as far, far less risky cars to insure than small hatchbacks, both in who drives them and where, when and how they are driven.
Also id imagine an old estate car is worth a bit less than a newer hatchback, but could be wrong there.
When I acquired a 2003 Mercedes S211 E320 CDI, i called Direct Line to add it to my policy and they refused (i am in my 60s with full NCD etc).Also id imagine an old estate car is worth a bit less than a newer hatchback, but could be wrong there.
Apparently they refuse to cover anything with more than 200 hp that is more than 20 years old.
I had to move both daily cars and my house insurance to a different insurer.
Ifinishposts said:
I rang the insurance to swap the details over and they announced that we were due a small refund. I was shocked and questioned why, the woman on the phone said the demographic of the type of person that can afford to buy and run a lower powered car was a greater risk than an older person who could afford the higher powered car?
That is bloody crazy so they're saying anybody that can buy and run a small engined hatch are a higher risk. I think most of them make up their own bamy rules.
StuA9 said:
That is bloody crazy so they're saying anybody that can buy and run a small engined hatch are a higher risk.
I think most of them make up their own bamy rules.
It is the opposite to barmy rules. The quotes are based on mountains of data.I think most of them make up their own bamy rules.
Get quotes for similar vehicles to yours from the other country, ie a Jap estate the same age as your A6 and a Golf hatch the same spec as your pulsar.
Not sure about other marques, but Toyota/ Lexus don't appear to give much of a toss about security.
JLR plugged some of the most gaping holes, perhaps because their vehicles were becoming uninsurable.
Not much of a peep out of Toyota despite many of their models being world champs in theft rates.
JLR plugged some of the most gaping holes, perhaps because their vehicles were becoming uninsurable.
Not much of a peep out of Toyota despite many of their models being world champs in theft rates.
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