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Tesco: Tottenham

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Tesco: Tottenham

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Caravadossi

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A 73-year-old driver who in 50 years has never made a claim was refused car insurance by Tesco because of her postcode.

Eileen Hickman said the supermarket told her they “never insure drivers from Tottenham” in north London, which had five times the average number of uninsured drivers in 2006.

Mrs Hickman said she needed her Ford Fiesta insured to take her husband, 81, to hospital. She said: “I’m being penalised for everybody else who doesn’t play by the rules.”

A Tesco spokesman said: “Unfortunately, in this instance we were unable to provide a quote.”

Telegraph 2010/11/03 (p21)
 
Caravadossi said:
A 73-year-old driver who in 50 years has never made a claim was refused car insurance by Tesco because of her postcode.

Eileen Hickman said the supermarket told her they “never insure drivers from Tottenham” in north London, which had five times the average number of uninsured drivers in 2006.

Mrs Hickman said she needed her Ford Fiesta insured to take her husband, 81, to hospital. She said: “I’m being penalised for everybody else who doesn’t play by the rules.”

A Tesco spokesman said: “Unfortunately, in this instance we were unable to provide a quote.”

Telegraph 2010/11/03 (p21)
Click to expand...

which is the whole ethos of risk management and policy calculations :confused:
bit of a non story
 
Don't some of the insurance companies advertised here refuse to insure people living to Manchester and some other places?

I can't see a problem with it.
 
custard said:
... bit of a non story
Click to expand...

Clearly the Telegraph & London Evening Standard disagree with you.

We don’t insure people from Tottenham, says Tesco.
A 73-year-old woman who has not made a claim in 50 years odf driving said she was denied car insurance because she lives in Tottenham.
Eileen Hickman was “shocked” when she was told by Tesco that she would not be able to insure her 10-year-old Ford Fiesta because she lives in the wrong postcode.
Mrs Hickman, who needs her car to drive her disabled husband Norman, 81, to hospital appointments, has lived in the area all her life and has not claimed on her insurance since she started driving in 1960.
She said: “I couldn't believe it. I was so shocked. I gave them all the details they asked for and they suddenly said, I'm awfully sorry but we don't insure people from Tottenham'. I think it's really bad because I've never made any claims. I only do 4,000 miles a year.”
She added: “I feel like I'm being penalised for everybody else who doesn't play by the rules.
“It's moments like this that I can understand why so many people drive around with no insurance.
“The car is not a luxury, it's a necessity. Obviously I need it because Norman is an invalid, but I don't know how we'll be able to afford it.”
Tottenham was named the worst area for uninsured drivers in 2006.
The number of motorists driving without insurance in the borough was nearly five times the national average, according to the Motor Insurers' Bureau.
Last year Haringey police launched a crackdown on uninsured drivers as four in 10 vehicles on local roads had no valid licence or insurance. Tesco is not the only insurer to give Tottenham residents differential treatment: other companies are said to charge up to three times more for motorists with an N15 or N17 postcode.
Mrs Hickman said some insurance firms told her that the difference in costs for those living in the postal area compared with those living outside was huge.
One company said it would charge her £937, plus excess, for a year's comprehensive insurance — but if she lived just outside Tottenham the bill would be only £275.
She said: “I didn't realise N15 was such a terrible area. But obviously it is because all the insurance companies are doing it. I've got to be insured — I'm not going to be one of those people who drive around without it — but you can see why so many youngsters in N15 don't get insured. Our car's 10 years old. It's just not worth car insurance that expensive.”
A Tesco Bank spokeswoman said: “We are always looking at ways of how we can meet our customers' needs. In common with all other car insurers we consider a wide range of factors in order to offer quotes to customers.
“Unfortunately, in this instance we were unable to provide a quotation.”
London Evening Standard 2010/12/02
 
Caravadossi said:
Clearly the Telegraph & London Evening Standard disagree with you.

We don’t insure people from Tottenham, says Tesco.
A 73-year-old woman who has not made a claim in 50 years odf driving said she was denied car insurance because she lives in Tottenham.
Eileen Hickman was “shocked” when she was told by Tesco that she would not be able to insure her 10-year-old Ford Fiesta because she lives in the wrong postcode.
Mrs Hickman, who needs her car to drive her disabled husband Norman, 81, to hospital appointments, has lived in the area all her life and has not claimed on her insurance since she started driving in 1960.
She said: “I couldn't believe it. I was so shocked. I gave them all the details they asked for and they suddenly said, I'm awfully sorry but we don't insure people from Tottenham'. I think it's really bad because I've never made any claims. I only do 4,000 miles a year.”
She added: “I feel like I'm being penalised for everybody else who doesn't play by the rules.
“It's moments like this that I can understand why so many people drive around with no insurance.
“The car is not a luxury, it's a necessity. Obviously I need it because Norman is an invalid, but I don't know how we'll be able to afford it.”
Tottenham was named the worst area for uninsured drivers in 2006.
The number of motorists driving without insurance in the borough was nearly five times the national average, according to the Motor Insurers' Bureau.
Last year Haringey police launched a crackdown on uninsured drivers as four in 10 vehicles on local roads had no valid licence or insurance. Tesco is not the only insurer to give Tottenham residents differential treatment: other companies are said to charge up to three times more for motorists with an N15 or N17 postcode.
Mrs Hickman said some insurance firms told her that the difference in costs for those living in the postal area compared with those living outside was huge.
One company said it would charge her £937, plus excess, for a year's comprehensive insurance — but if she lived just outside Tottenham the bill would be only £275.
She said: “I didn't realise N15 was such a terrible area. But obviously it is because all the insurance companies are doing it. I've got to be insured — I'm not going to be one of those people who drive around without it — but you can see why so many youngsters in N15 don't get insured. Our car's 10 years old. It's just not worth car insurance that expensive.”
A Tesco Bank spokeswoman said: “We are always looking at ways of how we can meet our customers' needs. In common with all other car insurers we consider a wide range of factors in order to offer quotes to customers.
“Unfortunately, in this instance we were unable to provide a quotation.”
London Evening Standard 2010/12/02
Click to expand...


so what? the disagree with me whoopdedoo
i got refused cover from companies when i had the cinq turbo
yet others did
so something about my circumstances didnt fit their criteria for cover
thousands if not millions of drivers pay more for their postcodes
i live in a D* area. Im sure under the right situations there are people here who wont get cover.
i dnt have a garage so it i bought a motorbike then i would be refused cover purely on the postcode

so again.a non story.or do you feel every story in a newspaper is worthy?
 
I cant believe there are still people in this world, who think something must have importance because its in the news paper. :p

I cant believe i just read the whole of this thread, perhaps it going off topic and that discussion may be faintly interesting.
 
She uses one company, gets declined.

This is news? :confused:

She not heard of maybe using another company, or even a price comparison site - ah yeah, she is 73 - let's make a mountain out of a molehill over something, that is not even newsworthy :shrug:
 
Thanks for your interesting views.

£26,000 insurance quote for a £300 car

A father has criticised a car insurer after his 18-year-old son was quoted £26,700 to drive a 1997 Citroen Saxo.

Apprentice carpenter Nathan Perrin could buy almost 900 of the second-hand cars for the cost of the premium quoted by the Green Insurance Company.

His father Steve, from Southport, Merseyside, said his son – who earns the minimum wage – was stuck in limbo after passing his driving test at the third attempt. He added: “The car is not worth more than £300. It’s hardly the kind of car you could tear around the streets in.”

Mr Perrin said other companies including Auto Direct (£16,076), Admiral (£7,700), and Direct Choice (£6,700) had given unaffordable quotes while many insurers, such as Tesco, refused to offer an annual premium. The Green Insurance Company, which offsets the annual carbon emissions of insured cars, offered the highest quote.

Premiums for young drivers have risen by 51 per cent over the past year, according to AA research, which also found male drivers aged under 21 were 10 times more likely to have an accident than men aged 35 or over.

The Green Insurance Company was unavailable for comment.

Telegraph 2010/12/04 (p19)
 
again, this is hardly news. these insurers give ridiculous quotes because they don't want your business. ask any young driver on here and they will all have a story about an insane quote for a sub £1000 punto/seicento, etc.

(the risk in this case is not the car's value. insurers think every 18 year old drives around at 90mph with a car full of mates playing chicken with trees and phone masts and they shudder at the prospect of huge medical payouts).

someone needs to tell this blokes dad to google price comparison websites or spaecialist insurers rather than immediately phone the papers.

and please, do not quote from the london evening standard as if it were gospel. since they have been taken over all they do is copy and paste press realeases or resort to sensationalizing non stories that make the star look like a broadsheet.
 
kev1 said:
... someone needs to tell this blokes dad to google ... and please, do not quote from the london evening standard as if it were gospel ...
Click to expand...

The Perrin’s are from the Crossens district. You shouldn’t have too much of a problem contacting them & you’ll have the opportunity to `compare & contrast’ their direct comments with your “gospel” opinion. I say `your opinion’ as I merely submitted the quotations … without actually expressing an opinion.

Let us know how you get on.
 
Caravadossi said:
Thanks for your interesting views.

£26,000 insurance quote for a £300 car

A father has criticised a car insurer after his 18-year-old son was quoted £26,700 to drive a 1997 Citroen Saxo.

Apprentice carpenter Nathan Perrin could buy almost 900 of the second-hand cars for the cost of the premium quoted by the Green Insurance Company.

His father Steve, from Southport, Merseyside, said his son – who earns the minimum wage – was stuck in limbo after passing his driving test at the third attempt. He added: “The car is not worth more than £300. It’s hardly the kind of car you could tear around the streets in.”

Mr Perrin said other companies including Auto Direct (£16,076), Admiral (£7,700), and Direct Choice (£6,700) had given unaffordable quotes while many insurers, such as Tesco, refused to offer an annual premium. The Green Insurance Company, which offsets the annual carbon emissions of insured cars, offered the highest quote.

Premiums for young drivers have risen by 51 per cent over the past year, according to AA research, which also found male drivers aged under 21 were 10 times more likely to have an accident than men aged 35 or over.

The Green Insurance Company was unavailable for comment.

Telegraph 2010/12/04 (p19)
Click to expand...

I was reading Alan Sugars book, and he said that if he didn't want a job or something, he would quote way over the odds for it, if they agreed to the price then he would find the time to do it. No different to this really, they don't want to insure them as its high risk...but if they do decided to go for it...then they are quids in.
 
Caravadossi said:
Thanks for your interesting views.

£26,000 insurance quote for a £300 car

A father has criticised a car insurer after his 18-year-old son was quoted £26,700 to drive a 1997 Citroen Saxo.

Apprentice carpenter Nathan Perrin could buy almost 900 of the second-hand cars for the cost of the premium quoted by the Green Insurance Company.

His father Steve, from Southport, Merseyside, said his son – who earns the minimum wage – was stuck in limbo after passing his driving test at the third attempt. He added: “The car is not worth more than £300. It’s hardly the kind of car you could tear around the streets in.”

Mr Perrin said other companies including Auto Direct (£16,076), Admiral (£7,700), and Direct Choice (£6,700) had given unaffordable quotes while many insurers, such as Tesco, refused to offer an annual premium. The Green Insurance Company, which offsets the annual carbon emissions of insured cars, offered the highest quote.

Premiums for young drivers have risen by 51 per cent over the past year, according to AA research, which also found male drivers aged under 21 were 10 times more likely to have an accident than men aged 35 or over.

The Green Insurance Company was unavailable for comment.

Telegraph 2010/12/04 (p19)
Click to expand...


so whats your point on this one?
or are you just going to use this thread to post insurance non stories?
 
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im not getting involved in the political debate here, but to be fair, if insurers are now charging this much for new drivers in some areas, there just going to increase uninsured drivers, which will increase premium, which in turn will create more uninsured drivers etc etc. if the companies actually though about it, theyd be more quids in just charging expensive, but not unaffordable prices. after all business is business, if i owned a company, id never turn any business down, as if my company went on a low, at least i knew id done the most i could have done.
saying that, out of curiosity, how do you set up an insurance company? i think theres a bit of a market opening up here, id start a comapny and young drivers under 20 years old driving a car with an engine no bigger than 1.0 engine would be on a special price for 650 quid FC. but, as well as that, any penalties, or anything then the insurance is immediately cancelled.
 
Last edited:
Percyhahn said:
im not getting involved in the political debate here, but to be fair, if insurers are now charging this much for new drivers in some areas, there just going to increase uninsured drivers, which will increase premium, which in turn will create more uninsured drivers etc etc. if the companies actually though about it, theyd be more quids in just charging expensive, but not unaffordable prices. after all business is business, if i owned a company, id never turn any business down, as if my company went on a low, at least i knew id done the most i could have done.
saying that, out of curiosity, how do you set up an insurance company? i think theres a bit of a market opening up here, id start a comapny and young drivers under 20 years old driving a car with an engine no bigger than 1.0 engine would be on a special price for 650 quid FC. but, as well as that, any penalties, or anything then the insurance is immediately cancelled.
Click to expand...

Premiums for young drivers have risen by 51 per cent over the past year, according to AA research, which also found male drivers aged under 21 were 10 times more likely to have an accident than men aged 35 or over.
Click to expand...


the losses that a driver can create to an insurance company can be massive
far in excess of the premium they charge.
so whilst you may feel the prices are obscene.
it maybe the insurer is covering their asses with either getting a large payment or not taking on the risk.
 
custard said:
the losses that a driver can create to an insurance company can be massive
far in excess of the premium they charge.
so whilst you may feel the prices are obscene.
it maybe the insurer is covering their asses with either getting a large payment or not taking on the risk.
Click to expand...
i understand that, but i might be mistaken, but im sure i heard that insurance companies are amongst the gas companies, fuel suppliers etc etc making record profits this year
 
custard said:
well Quinn were amongst the cheapest for high risk buyers
they went into administration
Click to expand...

actually yeah i forgot about them. well im out of points and queries now lol :)

btw, bit off topic, but just looked at your xbox gamertag, and you got a great selection of games, especially halo, but really? lips?
 
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