The Great Hastings Direct Rip Off!

dunstonh

I just read today another example of the b/s talked by this disreputable industry. They state that fraudulent whiplash claims cost each policy holder £50 per year .

How is that BS? Everyone knows that fraudulent claims like that have an impact on premiums.

That, of course, is on top of the £30 per year that uninsured drivers cost us. No doubt other things rack up the premiums as well, but with these two examples that £80 that we shouldn't be paying. I've never heard such drivel in my life.

OK. You are getting rather silly now. Not only do you not appear to understand motor insurance but the whole concept of insurance. Where do you think the money comes from that pays out on claims?

There is nothing wrong with playing devils advocate but you are now getting to a level of silliness and are embarrassing yourself.

Smithers37

GingerBob wrote: »

OK, so perhaps you have a basic understanding of the industry. However, you seem to be forgetting that insurance can't be avoided ("... they won't miss your business"). The MI companies know this and exploit it.

I just read today another example of the b/s talked by this disreputable industry. They state that fraudulent whiplash claims cost each policy holder £50 per year :rotfl:. That, of course, is on top of the £30 per year that uninsured drivers cost us. No doubt other things rack up the premiums as well, but with these two examples that £80 that we shouldn't be paying. I've never heard such drivel in my life.

You carry on thinking the MI industry is the best thing since sliced bread. You might change your tune if you ever have cause to make a claim and they wriggle out of it on a technicality.

Actually, insurance CAN be avoided - you take public transport instead. Having a motor car is a privilege, not a right. The RTA stipulates that you must have motor car insurance, therefore if you choose to have a car, you're choosing to accept the requirements and one of those requirements adequate insurance.

Fraudulent whiplash claims don't cost the insurance companies money, it costs the motorist money because they'll pass that on to their customers. I don't like it any more than you or anyone else, however I accept that cost will have to come from somewhere. I've heard people say that whiplash claims etc is a victimless crime, however I don't agree. It would be nice to live in a world where people could be honest about their insurance and not make false claims, but we don't live in that world unfortunately. People often lie on their insurance to get cheaper premiums (for example parked on drive, lower mileage etc); again this costs [STRIKE]insurers[/STRIKE] motorists money.

I won't have to change my tune because I know that I am adequately insured and if I should make a claim, it will be genuine and it will be for the sole purpose of indemnity.

GingerBob_3

Smithers37 wrote: »

I won't have to change my tune because I know that I am adequately insured and if I should make a claim, it will be genuine and it will be for the sole purpose of indemnity.

Bully for you, but that won't stop them trying to wriggle out of it.

Smithers37 wrote: »

Having a motor car is a privilege, not a right.

B/S BIG TIME! Owning and running a car is a right. Having a driving licence is a right. Having a passport is a right. These rights come with responsibilities, and the rights can be withdrawn if we don't meet the responsibilities, but they are rights! We don't have privileges in this country despite what some bumptious, officious government/local government/other assorted buffoons might say to the contrary.

The only privilege in the UK is that afforded by the electorate to the governement of the day to govern the country on our behalf for a period not exceeding five years. I suggest you get this into your deferential head. Conversation over.

GingerBob_3

dunstonh wrote: »

How is that BS? Everyone knows that fraudulent claims like that have an impact on premiums.



OK. You are getting rather silly now. Not only do you not appear to understand motor insurance but the whole concept of insurance. Where do you think the money comes from that pays out on claims?

There is nothing wrong with playing devils advocate but you are now getting to a level of silliness and are embarrassing yourself.

Actually you're the silly one for not reading and interpreting my comments correctly. £50 is a (gross) exageration, that's the point. Everyone can work that out. Hell, if the problems behind all these figures banded about concerning how this that or the other issue puts up our premiums; if they were all solved, I'd be getting free insurance.

Be sceptical! Don't believe what the vested interests tell you.

Smithers37

GingerBob wrote: »

B/S BIG TIME! Owning and running a car is a right.

Maybe you should write to David Cameron and request that everyone in the country that cannot afford a car but would like one, should have a car bought for them - if it's as you say, a right.

gik

GingerBob wrote: »

Actually you're the silly one for not reading and interpreting my comments correctly. £50 is a (gross) exageration, that's the point. Everyone can work that out. Hell, if the problems behind all these figures banded about concerning how this that or the other issue puts up our premiums; if they were all solved, I'd be getting free insurance.

Be sceptical! Don't believe what the vested interests tell you.

If you are going to pick up people on their command of the English language you need to put you own house in order.

GingerBob_3

gik wrote: »

If you are going to pick up people on their command of the English language you need to put you own house in order.

Thank you for pointing out my minor sp; not quite on a par with the incoherent ramble I was referring to, but yes, I accept full responsibility for it. Not being one to exaggerate, it's a word I seldom use.

twincamms

Wow!

All this animosity because I got charged £35!

Come on guys, it's a discussion, no need to be rude or aggressive.

But I'm glad one poster on here sees my point, the rest, well, must work for the insurance industry, have money to burn or are just demented......................

Thanks for all your input, it's been emotional!

dunstonh

Come on guys, it's a discussion, no need to be rude or aggressive.

yet you go on to say....

the rest, well, must work for the insurance industry, have money to burn or are just demented.

The people that disagree with you know the pricing issues. They know the business models that exist. The thread has described the two pricing models and why you were charged. The person that agrees with you appears to have a completely strange view of business that does not fit reality.

There are plenty of issues regarding car insurance that could be looked at. However, the choice of explicit charging with lower premium vs no explicit charging with higher premium is not an area of concern. It is a choice people have and since when has consumer choice been a bad thing?

trukdiver

twincamms wrote: »

All this animosity because I got charged £35!

!

According to the Hastings site, it's £20 to change a vehicle if you do it online - did you try that first?