allegations of racism by insurance company

Oscar_The_Grouch

Thanks for your post 1981 and welcome to the site.

There are bucket loads of stats saying that women (up to a certain age) will cost less per capita for claims than men. What JonBoy is arguing is that someone who lives in the UK and has done so for 10 years should not be treated differently from someone who has lived in the UK all their life.

Lets think of 2 examples:

Mr A
Born in the UK
Took his test at 17
No accidents and is now 27

Mr B
Born in Australia
Moved to the UK at the age of 15
Passed his test at 17
Is now 27

This is a very crude example, but is it fair to charge Mr B more than Mr A, despite the fact that his only driving experience has been the same as Mr A?

Let's go for a 3rd example:

Mr C
Born in the UK
Passed his test at 17
Spends 1 week out of every 4 in France, where he has another car. His car is used by his wife whilst he is out of the country and she is a named driver on the policy.

I don't know of an insurer that would load the premium because Mr C spends 1 week out of 4 "driving on the wrong side of the road".

Does that make it fair, therefore, to penalise someone whose only experience of driving is in the UK if they were born elsewhere? Regardless of whether it is racist, is it fair?

And for anyone who doesn't know, they drive on the left in Australia, just like us.

MarkyMarkD

I'm not disagreeing with you, Oscar, that it's irrelevant if someone was born abroad, as long as they have been in the UK throughout their driving career. But that doesn't affect the fact that it appears that the OP's friend lied about something which would be difficult to do by mistake, and lying on a proposal form is DEFINITELY 100% correlated with insurance fraud - because it is fraud.

JonBoy_SCFC

thanks for the comments guys, all interesting

i think there's a big difference between lying and getting things wrong - we can all make mistakes

In this particular case, it seems my friend neither made a mistake nor lied and that it was in fact the fault of ther website he used for the quote. I have personally checked this out just now and he's correct in saying that.


So i don't think this can be the reason for the price increase - it must be due to the fact that the insurer simply charges more in his situation

Jnelhams

Well to be racist, it would of course be specific, I because you are black/green/blue what ever, in fact the question is where you born in the UK. A world of difference, and a pigment of your friends imagination.

The reason for this question is two fold, some countries licenses are not recognised in the UK and secondly a claim or an offence may be outstanding which may yet to be enforced against them, which the insurer can not discover through the normal databases in Europe.

Why is it some people scream racism at the first thing that seems unfair?

Quote

JonBoy_SCFC wrote: »

i think there's a big difference between lying and getting things wrong - we can all make mistakes

And if your "friend's" mistake had gone unnoticed he might have found himself writing off his car, or someone else's, and having no cover for it.

Instead of complaining about racism they should be thanking the person who spotted the mistake, stumping up the extra £130, and getting on with it.

sujman

I share similar "stats" to your friend, in that I am not UK born but have been here from a young age and all my driving experience is in the UK.

Out of interest, I went into confused.com, got some re-quotes based on saying I was firstly, UK born and then my actual arrival date.

Lowest price was actually quoted when I put down not UK born although across the board, there was little difference in the amounts quoted.

So, tell you mate from me, as one asian to another, stop being a **** and don't blame all his lifes ill's on racisim. Sometimes it really is down to him being a **** and not because of the colour of his skin.

Regards

JonBoy_SCFC

Quote wrote: »

And if your "friend's" mistake had gone unnoticed he might have found himself writing off his car, or someone else's, and having no cover for it.

Instead of complaining about racism they should be thanking the person who spotted the mistake, stumping up the extra £130, and getting on with it.

just to clarify - it was the websites fault though, not my friends mistake

JonBoy_SCFC

sujman wrote: »

I share similar "stats" to your friend, in that I am not UK born but have been here from a young age and all my driving experience is in the UK.

Out of interest, I went into confused.com, got some re-quotes based on saying I was firstly, UK born and then my actual arrival date.

Lowest price was actually quoted when I put down not UK born although across the board, there was little difference in the amounts quoted.

So, tell you mate from me, as one asian to another, stop being a **** and don't blame all his lifes ill's on racisim. Sometimes it really is down to him being a **** and not because of the colour of his skin.

Regards

very interesting if the price went up for being born in the UK - would be interested to know which company does this if you could remember?

i can't possibly think of the logic beind this though?

cogito

JonBoy_SCFC wrote: »

just to clarify - it was the websites fault though, not my friends mistake

Just to clarify - he was asked a question, gave an incorrect answer and somehow it's not his fault. How does that work then?

lisyloo

If you read post #14 then it should be clear

it seems my friend neither made a mistake nor lied and that it was in fact the fault of ther website he used for the quote

sounds like the s/w defaulted the answer to me.