****ing bastards

[marko]

Try www.bell.co.uk for insurance with little or no NCB. Saw the ad on TV.

 

[bob]

bit off topic but........what i dont get is by insuring you the insurance company assumes you are a law abiding citizen, so surely even if you have a car capable of 200mph you will only ever be doin 70mph maximum the same as somone with a 900cc car as its the law, so really all the insurers should take into consideration is the value and likelyhood of theft when quoting. Also why when i rang up to tell my company about my uprated brakes this didnt lower my insurance cost even tho its a safety feature. i do understand that its prob more likely that someone will smash into the back of me when heavy braking, but thats their insurance not mine.

 

[Barakka]

Re the brakes being uprated.

Line of thought would be;
You have better brakes,
therefore you know you can stop better/quicker,
therefore you can drive faster/more recklessly as you have better brakes to stop you.

SO in insurance terms, you say "I have upgraded my brakes to make my car safer"
The insurer hears, "I've upgraded my brakes as I drive like a maniac and need to be able to stop better"

 

[bob]

i understand what your sayin, but (in an ideal world) by signing a contract with your insurer you have said basically you will be obeying the rules of the road and if i did crash due to driving like a wally, then its a criminal matter and they dont need to pay up. insuring your car is the law, yet the prices etc are under the control of private very loosely regulated companies, i think the government have a responsibilty to looking into capping prices or something. otherwise its a licence to print money

 

[Anonymous]

An insurer undertakes considerable financial risk in insuring a driver. In the event of a claim they could be liable for a few thousand for damage or a few million if their insured kills or very seriously injures someone -pain suffering, loss of amenity, loss of dependency, loss of earnings, continuing medical care. These are all potentially very expensive heads of compensation.

The whole point of insurance is the contributions of many pay for the liability of the few. That's the way of the world.

If ever you were injured or lost your life due to another driver's negligence you would hope that your insurers would recover as much as possible to put you, as best as possible, in a position as you were prior to the accident or alternatively recover for your spouse or family who would not have you around to provide for them. Sobering stuff.

 

[G Spag]

Thats true.

Also, insurance companys have been studying crash results for years. The vehicle grouping takes into many accounts, including top speed, cost of repair and previous cost of claims of the same make different car/or similar car different make (if that makes any sense)

They also take into consideration the cost of claims of certain ages as well as the tendancy of claims, hence the reason why younger drivers are seen as a mine field!

lol god knows how much of this actually makes sense

 

[G Spag]

Forgot to add

They're also not ignorant enough to believe that everyone they insure is a perfect driver who never speed.

Which was my point before, when so much is at stake, it's no real wonder why insurance is getting so expensive