Car Insurance
- Thread starter graystoke4
- Start date
Most of my insurance policies have risen this year, just renewed my PL insurance yesterday with a different company but that was only up buttons relatively although a poorer or inferior policy however I ended up paying about £90 more as I added on excess insurance and tax investigation insurance too. House policies all up marginally and my wife’s car insurance and my van insurance all up a bit but nothing like my son’s car insurance which was about 30% more expensive this year, he’s never been in an accident (except recently which isn’t his fault) lives in a decent area and works and he’s not exactly a young driver with no experience.
Anyone not buying car insurance is nuts btw the police number plate recognition system automatically flags up un insured drivers/cars as far as I’m aware, the woman who ran into my son’s car clearly thought he was an uninsured driver and tried to get him done with the police.
Anyone not buying car insurance is nuts btw the police number plate recognition system automatically flags up un insured drivers/cars as far as I’m aware, the woman who ran into my son’s car clearly thought he was an uninsured driver and tried to get him done with the police.
MJS
Technical Tinkerer
Yes, I thought ANPR checked for uninsured vehicles. Are these chancers maybe declaring them SORN?
I was caught out a few years ago because I had a car written off due to being beyond economic repair. I sent the V5 slip off to Tesco insurance when it was collected for scrap and they failed to notify DVLA and the motor insurance bureau who then started writing to me about my uninsured car, which I didn't actually own any more.
I was caught out a few years ago because I had a car written off due to being beyond economic repair. I sent the V5 slip off to Tesco insurance when it was collected for scrap and they failed to notify DVLA and the motor insurance bureau who then started writing to me about my uninsured car, which I didn't actually own any more.
Esentially everybody's policy gets loaded.....
Electric cars can cost an astronomical amount to repair.......
Parts delays cause cars to be stuck in workshops and customers longer in courtesy cars...
Also some bodyshops have very keen assessors so a little job gets turned into a big job,the bodyshop lads all work on hours and bonus so they rush stuff through,cars come back for remedial work ......
Plus their will be confidential liabilities,that are settled out of court but create huge on going bills...
All these things are ongoing and then they have to turn a profit...
My multicar insurance has gone through the roof....
Hear of lots of people giving up driving,there are tons of cameras and charges all over the place....
Can see us all being charged per mile eventually....
AnilS
pfm Member
In the, not so great area, my parents live in, quite a few are uninsured.
I know this for a fact.
les24preludes
pfm Member
I've found Saga pretty decent for old duffers. AA are the Dick Turpins of the game - they put up your policy cost on each renewal and you have to bargain it down with the operatives. I gave up.
SteveS1
I heard that, pardon?
Oh indeed, the penalties are a joke although APNR has made it trickier to avoid being fingered. It’s actually cost effective, there is little deterrent. The fines usually come in under the premium levels.
My previous flippant comment was not just aimed at insurance, the list of people with their hands in motorist’s pockets is endless and the pretence at justifications are not even bothered with.
SteveS1
I heard that, pardon?
Re-AA yes tedious in the extreme, but it goes for just about any renewable cost these days. They all bank on the inertia of enough people.
hifinutt
hifinutt
interesting
Car insurance quotes were a third more expensive in some areas of England with the biggest minority ethnicity populations, BBC Verify has found.
We collected thousands of quotes based on identical driver information, but with different addresses.
Areas with a high number of people from ethnic minorities saw higher prices, even when road accident and crime levels were similar.
The insurance industry body said ethnicity was not a factor in pricing.
But Citizens Advice said the findings added to evidence of an "ethnicity penalty".
Car insurance quotes higher in ethnically diverse areas
BBC Verify finds higher quotes in parts of England even after crime and accident rates are included.
www.bbc.co.uk
Car insurance quotes were a third more expensive in some areas of England with the biggest minority ethnicity populations, BBC Verify has found.
We collected thousands of quotes based on identical driver information, but with different addresses.
Areas with a high number of people from ethnic minorities saw higher prices, even when road accident and crime levels were similar.
The insurance industry body said ethnicity was not a factor in pricing.
But Citizens Advice said the findings added to evidence of an "ethnicity penalty".
Mike Reed
pfm Member
Prior to the 'new punter discout' being scrapped, I alternated between Saga and AA for many years. When one hiked their renewal cost, I switched to t'other. However, last November Saga hiked mine up so much (100% +/-) so (after advice here) went to a broker (Howdens) and got the same cover via them from Zurich at a saving of £140. Considering the broker fee was £55, that was good, but Saga are only an agent/broker anyway.
Minio
Kind of Sort of Not really...
If you give them a ring they might halve that increase.
If they do that, you can then ask them why the increase is still more than 3 times the rate of inflation.
AnilS
pfm Member
Now down to £720.
Increase due to increased costs of labour and parts. She said she didn't really know and was reading from an LV script!
All other multi car quotes are more so I'm wondering if I don't go multi car and go separately instead.
Martin hifi
pfm Member
The cost of the claims for electric cars is being pushed onto us, some companies now won't insure electric cars as getting parts takes so long if they have a courtesy car or are not at fault it is costing thousands extras for each claim in rentals , not to mention the batteries so much so that they just right the car off as it works out cheaper. The insurance companies have paid out so much on claims they now have to recoup some of their outlay. There are other factors at work as well , one things for sure and that's the fact it won't be going back down they don't want you to drive simple fact.
hifinutt
hifinutt
its not surprsing when some parts of bordesley green have a high rate of unisured cars , very high bame area . i in 3 in 2011 and probably way higher . police can do nothing about it unless caught driving .
Bordesley tops the country's list of uninsured drivers
UNINSURED drivers are costing the insurance business £500milion per year – and the worst offenders are in Birmingham.
I think they can now actually, wasn't there a law change that says that any car has to be insured to be parked on the road? Obviously you can SORN if you have a driveway. However I'd imagine that the easiest way to deal with this if you are a crim is just to look around until you find a car of the same make and colour. Look on "Tax my car", if it's taxed then the chances are it is also insured and MoTd. Clone the plates (not every plate manufacturer requires a V5, most will make up "show plates") and off you go. Matey gets any tickets, it's only a problem if you are stopped or have an accident.
hifinutt
hifinutt
no i raised it twice with police commissioner .They can do nothing unless witnessed driving . we have lots of cars parked with no insurance , one outside my neighbours with no insurance been there for 3 months now with no insurance . police looked at it twice but cant do anything as its taxed and mot but no insurance . i regularly liase with our streetwatch team . we have a certain month long event coming up in march 10th and we need as many parking spaces as possible . Its the blight of our community with dealers and others leaving untaxed , uninsured cars in the street preventing the many thousands of people using the road to not have a space to park
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