Rip off car insurance in the UK

opinions4u

Jesus, I'm older than Dunstonh!

mikey72

dunstonh wrote: »

If you pick the providers with the heavy year one discounting then you will have to keep doing this as year one discounting only happens in year one. It will obviously increase in year two when the discount has gone. However, if you pick providers that do not operate a year one discount but have more consistency in pricing (including longer internal no claims discounting) then you will find pricing more consistent.

No one does year one discounting that I've found.

Most appear to offer very expensive renewals though, and appear to increase prices again in year three.

No claims discount length doesn't seem to be any guide either.

Most offering expensive renewals, can normally be beaten by themselves re-quoting on line, and can then offer to match it in most cases.
So if they're happy to do that, it would suggest that they're still happy with the "discounted" price, after they've been caught out on the inflated price.

Dontknowanymore

Done a comparison, my car is a clapped out P reg corsa, I give £300 for it, cheapest quote was £950, the most expensive was a whopping.....

jaydeeuk1

My insurance has gone down too.

If you're a sh*t driver, or live in a crap area then your premiums will be, quite rightly, sky high. Just admit you can't afford to drive and take the bus.

mikey72

jaydeeuk1 wrote: »

My insurance has gone down too.

If you're a sh*t driver, or live in a crap area then your premiums will be, quite rightly, sky high. Just admit you can't afford to drive and take the bus.

That only works if you're on a bus route though, or you're not shift working.

rodenal

jaydeeuk1 wrote: »

My insurance has gone down too.

If you're a sh*t driver, or live in a crap area then your premiums will be, quite rightly, sky high. Just admit you can't afford to drive and take the bus.

Stupid comment

I pay the same now as I did 3 years ago for a far more powerful car when I was under 25 and had 2 years lower no claims. They're at it, not loosingg money at all only failing to meet profit targets that have been built on past profit. Great for shareholders crap for us, especially seeing as the government offers no standard, "free"cover

poppasmurf_bewdley

I don't know if they still run the same system, but when I lived in Canada in the late 60's/early 70's you could drive uninsured on public roads by paying a small fee (about $20), but if you had an accident causing injury or damage, you lost your licence until you had paid off what you owed. The government covered the damage.

But there again, that was a case of a Government actually looking after the poorer drivers.

raskazz

rodenal wrote: »

They're at it, not loosingg money at all only failing to meet profit targets that have been built on past profit.

Evidence to support this assertion please.

vaio

poppasmurf_bewdley wrote: »

I don't know if they still run the same system, but when I lived in Canada in the late 60's/early 70's you could drive uninsured on public roads by paying a small fee (about $20), but if you had an accident causing injury or damage, you lost your licence until you had paid off what you owed. The government covered the damage.

But there again, that was a case of a Government actually looking after the poorer drivers.

isn't that essentially what the MIB & s151 do in terms of payment to innocent third parties?

I suppose the difference is that uninsured people over here only have to pay if they get caught or have an accident.

Do you happen to know what happened in canada if someone poor caused a bad PI accident? would they be effectively banned forever?

lostsheep

Dontknowanymore wrote: »

Done a comparison, my car is a clapped out P reg corsa, I give £300 for it, cheapest quote was £950, the most expensive was a whopping.....

Excellent. I always scroll to the bottom of the quotes page, too, and I think they were my last quote as well. Last year, if I paid in monthly installments, they would have taken abour 20 grand off'f me! Wiser, indeed...:rotfl: