When is a claim not a claim?

System

If you ask your insurance company anything at all then statistically you are more likely to make a claim.

Research shows that people who insure things are more likely to make insurance claims.

People who defend insurance companies are more likely to be involved in the insurance industry than those who have had long fruitless arguments with an insurance company.

lisyloo

And yes, being involved in a non-fault claim statistically makes you more likely to make other claims in future. Not just at-fault claims, any claims. This makes you a riskier customer, and thus you have to pay a higher premium to account for the additional risk. This is not rocket science.

Seems entirely logical to me.
If you are the sort of person that leaves stuff in your car or in risky places then you are more risky than someone that doesn't.
As for evidence, whichever side of the debate you are on this will not be forthcoming. It's commerically senstive, a bit like asking for the secret recipe for Coca-Cola.
Until someone takes out a case and proves it's illegal then it remains legal (a bit like gender discrimination in insurance).
If you guys who are against it actually want to change things, you would be far better off getting together a group, putting a bit of money in each and starting test cases, rather than endlessly arguing on forums.
If you want to change it then why not do something about it.
Trying to change people's minds on a forum is a pointless waste of time because all that happens is that people become more entrenched in their own views - you can see it all the time.
That's why I don't waste a lot of time round here - have better things to do with my life.

pedro123456

lisyloo wrote: »

.
As for evidence, whichever side of the debate you are on this will not be forthcoming. It's commerically senstive, a bit like asking for the secret recipe for Coca-Cola..

So you think the Insurance industry has the evidence to support their reasons to inflate premiums do you loo? :rotfl: that's funny.

Dream on, no evidence exists, and that's why none of the insurance bods on here can produce it, it just fabrication to inflate premiums. sensitive data?????? :rotfl: that's funny too.

The IC's please themselves ,the OP makes a telephone inquiring about his cover, and the IC deem him to have made a claim and raise his premium?????...................hows that work?