Another insurance whinge

[General Fluff]

I'm not normally one to bash the insurance industry but this doesn't seem right to me. I don't have any no claims discount due to driving on a company policy for a few years. No problem there but in 2011 I was hit in the rear on 2 separate occasions, completely fault free and only minor damage to my car.

Now as well as asking how many years NCD you have, the insurance companies are asking how many claim free years you have. Again, I don't really have an issue with this as I know it's all about statistics but as I can now only answer 3 years instead of 5+, the difference in the premium is over £200. This difference basically means that over the next few years I will pay for the damage to my car, as no doubt the people who hit me have been doing ever since. So the insurance companies aren't just raking it in when you don't claim, but they seem to be making a decent profit on accidents too.

Anyway, got that off my chest, have a nice day all.

[General Fluff]

I get the stats argument and actually I agree with it. Even if your car is hit whilst in a car park at work then in the wider scheme of things it shows you park somewhere with a history of cars being hit.

It's the scale of the difference in premium that annoyed me as I will end up paying for the damage.

And if you're really interested, one of the incidents was in a car wash with my engine switched off. The next customer forgot he was in an automatic and went on a rally cross through the car wash and into the back of me. I admit I wasn't thinking defensively as I was mesmerized by the spinning brushes.

The other was in traffic on the M25, it went from jogging pace to walking pace and I had time to look behind and see the guy was gazing out of his side window. However, statistically speaking I was in traffic on the M25 where this is a risk and I am therefore more likely to be in that situation again than somebody else.