non fault claim premium increase

mikey72

lisyloo wrote: »

Some of us don't believe much in plain luck.
For example I live down a long private road which is a dead end. Very few people come down here (cost it's a dead end) so any cars parked here are unlikely to get hit.
That's not the same as luck, that's a factor of the type of road I live on.

To a degree you could say that everyone carries a level of basic risk because most people go to supermarkets/cinemas/shopping now and again.
But beyond that the places people drive and park vary considerable and it's not down to luck.

For example parking at work in a private car park where people only drive twice a day, is very different to parking at a railway station where traffic comes and goes ALL the time.

I onyl believe in random chance a little bit, the rest it driven by behaviour, location etc.

So if your neighbour is hit by a third party in Asda carpark, it would be reaonable to increase your premium, most certainly his, based on the fact he had a no fault claim, and your postcode now has a greater risk due to having residents who have had claims?
Because that's all the data they have when you get a quote.
post code,
claim
cost.

So that's what the stats work off.

lisyloo

So if your neighbour is hit by a third party in Asda carpark, it would be reaonable to increase your premium, most certainly his, based on the fact he had a no fault claim, and your postcode now has a greater risk due to having residents who have had claims?

Yes if there are more claims in my postcode, then the price should go up.

I (and all of us) have a choice of where I live.
If you want to be totally sheltered from accidents/risk/cost then you should probably go and live in the Shetland/Orkneys.
If you want to live in London and have access to great facilities then you have to accept a greater risk/cost associated with that choice.

Are you now saying postcode should be taken out of equation?
I'm quite happy to pay the cost associated with my choice.
At the moment my choice is no car so it's costs nowt, but I fully accept that I have to pay the cost assocaited with my area because I would be aprking and driving their a lot.

mikey72

lisyloo wrote: »

.............I (and all of us) have a choice of where I live..............

Must be nice in your world.
Or again maybe you need to get out of your exclusive drive and find some real people, who aren't so affluent like yourself.

lisyloo

Or again maybe you need to get out of your exclusive drive and find some real people, who aren't so affluent like yourself.

I know plenty of real people.
My brother is a soldier, my sister is a low-paid council worker.
They have all had choices about what they wanted to do with their lives and where they wanted to live.
My brother is going to leave the UK, so I don't accept your point that "real" people don't have choices.
We all do.
I don't feel guilty about working for my whole working life and saving and don't see why I should.
Other people make choices and have fancy cars etc. If I choose not to have a car and be more affluent then that's my choice.

mikey72

lisyloo wrote: »

I know plenty of real people.
My brother is a soldier, my sister is a low-paid council worker.
They have all had choices about what they wanted to do with their lives and where they wanted to live.
My brother is going to leave the UK, so I don't accept your point that "real" people don't have choices.
We all do.
I don't feel guilty about working for my whole working life and saving and don't see why I should.
Other people make choices and have fancy cars etc. If I choose not to have a car and be more affluent then that's my choice.

You're digging a bigger hole.
If your only knowledge of "real people" is your brother and sister, who both appear to have full time jobs, could make their own choices on what they wanted to do, and where to live, I guess you'll never see the the rest of the human race as anything but below you.

lisyloo

Don't be silly, I know hundreds/thousands of people - it was two examples of deliberately quite low paid people, who still have choices - even to leave the UK.
I don't see anyone as below me at all. I'm working class as I need to work.
All I've said is that I believe people have choices in this country. None of us are forced to live in any placed or put into forced labour.
I don't think you should look down on me simply because I've worked and chosen to save rather than have a fancy car.
What you are doing is called - "inverted snobbery".

mikey72

lisyloo wrote: »

Don't be silly, I know hundreds/thousands of people - it was two examples of deliberately quite low paid people, who still have choices - even to leave the UK.
I don't see anyone as below me at all. I'm working class as I need to work.
All I've said is that I believe people have choices in this country. None of us are forced to live in any placed or put into forced labour.
I don't think you should look down on me simply because I've worked and chosen to save rather than have a fancy car.
What you are doing is called - "inverted snobbery".

I didn't say I looked down on you, I said you looked down on eveyone else, and don't accept that others may not have had the choices you've had the priviledge to make.

I also pointed out your deliberate example are of two reasonably established, full time workers. You chose to use those examples as the underclass, but who could still afford choices.
And to be honest, if that's how you view even your family, I give up.

lisyloo

I said you looked down on eveyone else

Well I don't look down on other people generally (perhaps criminal and lifestyle benefit claimants).

and don't accept that others may not have had the choices you've had the priviledge to make.

I've been priviledged to have good health.
Everything else I have comes from decades of work and sacrifice (like foregoing a car).
I accept I've been lucky will health and I have every sympathy for those who have limited options through health.

You chose to use those examples as the underclass

Absolutely not.
The way you twist my words is disgusting.
My brother has been an outstanding exmaple of our heroes and is in no way part of an underclass.

but who could still afford choices

You don't need a lot of money to make choices.
When we all left school/university we pretty much all have the same amount of money - nothing.

if that's how you view even your family

Absoluely not and the way you twist our heroes into an underclass is jut amazing.
My local area has just been given a ROYAL title due to the way we honour our soldiers.

I honestly think if I was a benefit cheat you'd have more time and sympathy.
I think you need to look at YOUR empathy criteria.

mikey72

lisyloo wrote: »

You don't need a lot of money to make choices.
When we all left school/university we pretty much all have the same amount of money - nothing.

What about the ones that couldn't go in the first place?
Or does everyone have the same choice about university?

lisyloo

What about the ones that couldn't go in the first place?

We all have to go to school.
No not everyone has the same choices from that point on because we all have different skills and qualifications, but I've not met anyone who didn't have any choice at all (with the possible extreme exception of those with severely constraining health issues).
I'm thinking of thousands of people (in my sisters, borthers, nieces, nephews school years) and with the exception of those with very severe health issues (like paralysis), I can not think of a single person who has been forced into single place to live or a single career choice.