Please Help, elderly car insurance rip off!!!

missile

zygurat789 wrote: »

I would disagree. If you are 60+ then you aren't aware your abilities have declined and are a danger to others because of this and if you are 60- then you don't know what you are talking about.

As has been pointed out by Millie Millsters, statistics prove you wrong.

custardy

missile wrote: »

As has been pointed out by Millie Millsters, statistics prove you wrong.

no. those stats relate to deaths and serious injuries.
what about stats for damage claims?
I have an old couple next door. bought a new car about 2 years ago.
its slowly getting covered in little bumps and scrapes.
No deaths or injuries, but for insurance purposes it could still cost them money.

missile

custardy wrote: »

I have an old couple next door. bought a new car about 2 years ago.
its slowly getting covered in little bumps and scrapes.

Are you seriously suggesting a few scrapes on one old couple's car proves

If you are 60+ then you aren't aware your abilities have declined and are a danger to others

custardy

missile wrote: »

Are you seriously suggesting a few scrapes on one old couple's car proves

well that depends what exactly it is you are hitting
as a regular driver and a cyclist
I would prefer not to have a 'few scrapes' from a car on the bike

John_Pierpoint

Yes it is difficult saying to an elderly relative that it is time to hand in their car key. Their GP finds it difficult too.

The old make allowances for their failing facilities, but once they have repeated accidents it is time for the insurance companies to make the point, before they do something really serious.

That said there are some young users of the roads that are complete dangerous idiots too.

Bring both together and you have created the perfect situation for a nasty accident.

missile

custardy wrote: »

well that depends what exactly it is you are hitting
as a regular driver and a cyclist
I would prefer not to have a 'few scrapes' from a car on the bike

How does that prove that all drivers 60+ are a danger to others?

real1314

dohboy4 wrote: »

I'm a law graduate I understand contract law! and I am fully aware that all cars on the road by law need insurance.

I had 2 points and I obviously didn't make myself clear. 1 it makes me sick that some businesses take advantage of the elderly and employ scare tactics
B. that I have never heard of a policy which you can neither cancel or place on hold.

but please, its clear I wont find help here so no need to reply. Thanks you for your time

If you understand contract law, why do you refer to the person on the phone who explained the contract to you as a "muppet".

Also, all cars not declared as SORN need insurance by law.

This is in fact a very helpful community, people offer their own opinions and suggestions. You have reacted in a very defensive and negative way to many of them. It perhaps says more about you than the people who have responded. You might want to review the replies again, with a fresh perspective.

If you grandad really needs to save money, then around £1000 a year on insurance + fuel + MOT + repairs + car tax + the car = poor use of money.

He could probably get chauffeur driven to the shops / doctors / chemist for less. :cool:

realshannon

I dont know if I like the tone of this thread! my husband is 62 and has never had an accident and no, he doesnt drive like a snail!! He also doesnt look like he is ready to expire any moment, quite the contrary - it also makes it sound like anyone over 60 is also 101, which he isnt. I have only had one accident which wasnt my fault and I am in my 50s and my full comp insurance this year was £140 and his was approx £160 so it mostly is to do with what car and the history if the premiums are very high (and mileage comes into it) rant over

blossomhill_2

dohboy4 wrote: »

I was told by Pearl that it is not possible to put the insurance on hold, if we want to cancel it we need to pay the rest of the premium off - which was over £400!!!

Is this normal?

OP - can you get a look at a copy of this month's WHICH? Our copy arrived today and they are taking a dim view of insurance companies that charge a fee for mid-term alterations, I think they would be rather shocked at your GD's T&C's

blossomhill_2

custardy wrote: »

I have an old couple next door. bought a new car about 2 years ago.
its slowly getting covered in little bumps and scrapes.

That would suggest to me that they park in a superstore's car park and come back to find it damaged