JustOne
Ryder Cup Winner
20yrs driving, no claims, no prangs, £500 for a 2.0 Zaphira!!
Discuss................
Discuss................
Car insurance - is it a scam?
- Thread starter JustOne
- Start date
DCB
Well-known member
not a scam, more a postcode lottery 
Jungle
Head Pro
Don't get me started.
I was with a company for 5 years and they sent me a quote which I thought was a tad high. Went and done a check on a comparison website and the exact same company gave me a quote 33% cheaper than my renewal. When I phoned to query this the girl was quite blasé about it and said she can change it.
In my broadest fife accent I told her to away and raffle herself. Took the moral highground and paid a bit more to a different company who will no doubt try to rob me shortly.
Them and mechanics are scheming gits.
I was with a company for 5 years and they sent me a quote which I thought was a tad high. Went and done a check on a comparison website and the exact same company gave me a quote 33% cheaper than my renewal. When I phoned to query this the girl was quite blasé about it and said she can change it.
In my broadest fife accent I told her to away and raffle herself. Took the moral highground and paid a bit more to a different company who will no doubt try to rob me shortly.
Them and mechanics are scheming gits.
GreiginFife
Money List Winner
Renewal in April on my 320 diesel. Had it 5 years, 10 years no claims and price goes up £400 per year. Reason? Car was re-classified in to a higher group with the "re-group" exercise and my postcode has been altered to "moderate" risk due to a village 5 miles down the road that has an apparent crime problem.
Is it a scam? In my opinion it's not a scam per se, but it's certainly not fair, transparent or honest.
Is it a scam? In my opinion it's not a scam per se, but it's certainly not fair, transparent or honest.
15 years driving, full ncbs £550 for my 4.6 V8 X5 (the WRX is pretty much the same too), it is indeed a lottery. There used to be a time NI was twice what England/Scotland and Wales paid, its not so bad now but still, it should be built into the price of petrol as should any other "tax".
D
Deleted Member 1156
Guest
Simple...get yourself onto a comparison website and get a realistic quote :thup:
connor
Tour Rookie
I pay that on me scooby only got 7years ncb
Smiffy
Grand Slam Winner
CliveW
Tour Winner
Where do you stay? Have you any named drivers on your policy? Adding a wife/partner can bring the price down.
My BMW 330d Sport is just over £200 pa fully comp. and due for renewal next week. I went on a comparison site and the cheapest was £140 although I haven't heard of the company.
DappaDonDave
Journeyman Pro
It might be a scam...why not crash and see?
Doon frae Troon
Ryder Cup Winner
£400 a year + RAC for two nearly new cars. [1.3 &1.8]
Came in much higher and I said to the oppo 'do I really have to waste my time going round the block or are you going to give me a competitive price now?'
He came back with a quote lower than last years!!
Came in much higher and I said to the oppo 'do I really have to waste my time going round the block or are you going to give me a competitive price now?'
He came back with a quote lower than last years!!
Doon frae Troon
Ryder Cup Winner
Is that a parking style.?I reckon stack and tilt is to blame.
Discussion enough????
RGDave
Money List Winner
Rip off. Simple as that.
23 years driving, no claims, our 3 cars are insured separately for £640 all in. Curiously, they all come out cheaper by having a wife do some of the miles......
Have they seen her drive?
Owen_Thomas_14
Journeyman Pro
£1500 a year for a 1.6 TDI Leon and thats cheap for someone my age 
.
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JustOne
Ryder Cup Winner
What I want to know is.......How is that possible???????
Do you live in buckingham palace? are you a doctor? are you 85yrs old? do you only drive 40 miles/year?
CliveW
Tour Winner
What I want to know is.......How is that possible???????
Do you live in buckingham palace? are you a doctor? are you 85yrs old? do you only drive 40 miles/year?
I live in rural Perthshire, 55 years old, retired, no claims or convictions (as has my partner who is also on policy) and max NCD. Car garaged at night and Tracker fitted. 10,000 miles a year. Insured with Aviva.
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ScienceBoy
Money List Winner
My fav story is I got a renewal quote for like 800, called them and quoted the prices I got from comparison sites. They instantly knocked 500 off my quote and became the cheapest out of all I had got quoted for!
Sometimes these companies just rely on lazyness. My parents did not change for about 10 years, they estimate if they had changed every year they could have saved about 5000 between them! Compare that to a savings account for a return!
Sometimes these companies just rely on lazyness. My parents did not change for about 10 years, they estimate if they had changed every year they could have saved about 5000 between them! Compare that to a savings account for a return!
chrisd
Major Champion
Where you said on another thread that you had someting stuck up your jacksy without a sedative are you sure it was a surgeon and not your broker doing it?
RGDave
Money List Winner
Mini rant....
Insurance used to be a big pot of money that paid out to those with misfortune(s) and made a profit for the companies that offered it. My father did some actuarial work on the way to something else and always described the system as "fair". These days, the risks are calculated to the millionth degree and if statistically you are in their firing line, you're in trouble. Young drivers are penalised excessively, I mean, why not have a deposit system so you pay £1k for your 1.1 town car and a £2k bond that says "you'd better driver carefully or else we'll take the £2k as well" They are SO harsh on middle-aged drivers - it's crazy to justify high premiums for long-term safe drivers, but they do, because of dubious P.I. claims, uninsured drivers, and they want to max out their profits for the fat cats and the shareholders.
I read a whole article on "value" in insurance, and unbelievably, some companies are even losing money.....should we start crying for them? No. They, and most of the industry are fighting a massive battle against dishonest drivers, dishonest claimants, lawyers, etc. They could do something about this, the same way as C/C companies could do something about fraud. But they don't, in the same way as all of us mugs bail out banks for reckless behaviour. Lloyds have £200 billion+ in toxic debts, which the likes of us will all help pay off over years and years.
Spain is going bust, their banks are messed up beyond belief.
We all pay, and I feel most sorry for the 1,000s of staff laid off to improve the overheads to satisfy the top brass and the shareholders.
It's capitalist greed and we're supposed to say "ooh, isn't it bad" when it's on TV every day and regular people are losing their jobs left right and centre. The everyday folk didn't do this, these institutions do it to themselves.
It's madness.
Insurance used to be a big pot of money that paid out to those with misfortune(s) and made a profit for the companies that offered it. My father did some actuarial work on the way to something else and always described the system as "fair". These days, the risks are calculated to the millionth degree and if statistically you are in their firing line, you're in trouble. Young drivers are penalised excessively, I mean, why not have a deposit system so you pay £1k for your 1.1 town car and a £2k bond that says "you'd better driver carefully or else we'll take the £2k as well" They are SO harsh on middle-aged drivers - it's crazy to justify high premiums for long-term safe drivers, but they do, because of dubious P.I. claims, uninsured drivers, and they want to max out their profits for the fat cats and the shareholders.
I read a whole article on "value" in insurance, and unbelievably, some companies are even losing money.....should we start crying for them? No. They, and most of the industry are fighting a massive battle against dishonest drivers, dishonest claimants, lawyers, etc. They could do something about this, the same way as C/C companies could do something about fraud. But they don't, in the same way as all of us mugs bail out banks for reckless behaviour. Lloyds have £200 billion+ in toxic debts, which the likes of us will all help pay off over years and years.
Spain is going bust, their banks are messed up beyond belief.
We all pay, and I feel most sorry for the 1,000s of staff laid off to improve the overheads to satisfy the top brass and the shareholders.
It's capitalist greed and we're supposed to say "ooh, isn't it bad" when it's on TV every day and regular people are losing their jobs left right and centre. The everyday folk didn't do this, these institutions do it to themselves.
It's madness.
DaveM
Tour Winner
What he just said.
