Non-fault incidents affecting car insurance

italiastar

The same company said the same to me, but wouldnt use thier claim handling company to chase the uninsured loss. They also tried to tell me that my car was a lower risk parked on a busy road, than on my drive or garage - the latter being the highest risk. I just took my business elsewhere.

FlameCloud

italiastar wrote: »

The same company said the same to me, but wouldnt use thier claim handling company to chase the uninsured loss. They also tried to tell me that my car was a lower risk parked on a busy road, than on my drive or garage - the latter being the highest risk. I just took my business elsewhere.

What did your own statistical analysis of tens of thousands of the policies>claims ratio tell you?

Aretnap

italiastar wrote: »

They also tried to tell me that my car was a lower risk parked on a busy road, than on my drive or garage - the latter being the highest risk.

Might be true. The number of people who make claims because they knock their wing mirrors off reversing into their garages often outweighs the reduced risk of vandalism or accidental damage from passing drunk drivers. Especially if the risk of the latter is quite low in the first place - and that depends on where you live.

Also, modern cars are virtually impossible to steal without they keys - which means that most cars are now stolen when the thieves break into your house for the keys, or get them from near the door by sticking a coathanger through the letterbox. If your car's on you're driveway it's quite obvious where they need to look for the keys. If it's on the street, they could be in any of a dozen houses in the street. So paradoxically the risk of theft can actually be higher when the car's on your drive than when it's on the street.

londonTiger

OP how much mileage do you do per year? I.e. how much are you driving to get unlucky three times?

londonTiger

FlameCloud wrote: »

What did your own statistical analysis of tens of thousands of the policies>claims ratio tell you?

A well lit busy public road may be safer than a poorly lit, unlarmed shed in a quiet area.

Captain_Flack.

londonTiger wrote: »

A well lit busy public road may be safer than a poorly lit, unlarmed shed in a quiet area.

Not when it comes to having your car side swiped.;)

londonTiger

Aretnap wrote: »

Might be true. The number of people who make claims because they knock their wing mirrors off reversing into their garages often outweighs the reduced risk of vandalism or accidental damage from passing drunk drivers. Especially if the risk of the latter is quite low in the first place - and that depends on where you live.

Also, modern cars are virtually impossible to steal without they keys - which means that most cars are now stolen when the thieves break into your house for the keys, or get them from near the door by sticking a coathanger through the letterbox. If your car's on you're driveway it's quite obvious where they need to look for the keys. If it's on the street, they could be in any of a dozen houses in the street. So paradoxically the risk of theft can actually be higher when the car's on your drive than when it's on the street.

Car thefts do occur but it has to be really high value to be worth it, things like range rovers, cayennes, bmw 5 series, porchse etc. In the 80s cars were very expensive and average car per houshold was <1

Now cars are so disposable. it's probably not uncommon to find 2-3 cars per household. Before people paid cash for their cars, now people do everything on credit.

Flipping car parts doesn't pay any more, again abundance of scrapped used cars and the fact that every part has a serial and can be traced makes it too expensive.

Only cars thieves would brother stealing are high end cars where there is enough money in it for a dodgy mechanic to clone serials/export to another country.

londonTiger

Captain_Flack. wrote: »

Not when it comes to having your car side swiped.;)

ive had plenty of occasions where my wing mirror was clipped - but never seen anyone have their car side swiped. But then I never ever park my car at the end of a row..

Saw a ford ka once get it's ugly rear bumper get completely obliterated once taught me an important lessons. Don't park you car at the ends . Use some other car as a "human" shield and park in the middle.

Side note on wing mirror. I know that the wing mirror is at risk but I don't bother to close it like how many drivers do. I'd rather my wing mirror protude and act as a early contact point than have the actual door be the first contact which is much more expensive to replace.

arcon5

londonTiger wrote: »

Side note on wing mirror. I know that the wing mirror is at risk but I don't bother to close it like how many drivers do. I'd rather my wing mirror protude and act as a early contact point than have the actual door be the first contact which is much more expensive to replace.

I'd have the agree with that. If down a tight street I do often find I drive closer to cars if the wing mirror isn't in my way.