Unfair loading to car insurance

Parking_Trouble

When are the motor insurers going to give me a massive discount for being a non-drinking, non-smoking driver that doesn't own a mobile phone?

gemsmum

Adam3 wrote: »

Simply, you have been used to driving in a different style i.e LHD this to me is a huge 'risk'. Another 'risk' is the insurers have no way to prove you have not had any claims as the CUE DB only records UK claims.

I appreciate you say you have proof of NCD. This on some occasions does not have any weighing on whether or not you have made a claim. Example: Having protected no claims and then making a claim doesn't effect your NCD.

SOURCE: Insurance Underwriting training through a large UK bank.

I don't know whether you have driven a LHD vehicle but in most cases/circumstances it is easier than driving a RHD vehicle. I HAVE NEVER MADE A CLAIM NOR HAD POINTS, even if I had protected no claims and made a claim there would be evidence by my telling the insurance company. I protect my no claims because I have been driving for 40+ years WITHOUT any accidents/points etc etc etc...

Quentin

Your 40 year claim free history is irrelevant in the UK where the longest history insurers ask for will be 5 years.

UK insurers have to treat customers fairly.

As you feel unfairly treated you can make a formal complaint to your insurer then if unhappy with the reply you can escalate to the FOS for their adjudication at no cost to you.

Smithers37

nobbysn*ts wrote: »

Seriously. You really mean I don't need car insurance. I can just drive without? I'm not forced too by pesky legislation? Cheers. With you reimburse me when I'm caught?

That's not what I said is it? I said you don't have to buy insurance which is true. However if you CHOOSE to have a car, you're CHOOSING to accept that you need an insurance policy to have it on the road. If I buy / rent a house, I have to pay council tax - well I don't have to pay it, I just can't buy / rent a house.

nobbysn*ts wrote: »

So how do I do that. Without buying insurance?

How do I run the computer I'm typing on without having to pay electricity. It's clear you just want something for nothing.

Most people would still have insurance even if they didn't have to have it. If you were to have a serious accident causing a huge personal injury claim, how would you feel having to pay every scrap of wages to repay that back for the rest of your life?

nobbysn*ts

Smithers37 wrote: »

That's not what I said is it? I said you don't have to buy insurance which is true. However if you CHOOSE to have a car, you're CHOOSING to accept that you need an insurance policy to have it on the road. If I buy / rent a house, I have to pay council tax - well I don't have to pay it, I just can't buy / rent a house.



How do I run the computer I'm typing on without having to pay electricity. It's clear you just want something for nothing.

Most people would still have insurance even if they didn't have to have it. If you were to have a serious accident causing a huge personal injury claim, how would you feel having to pay every scrap of wages to repay that back for the rest of your life?

So, basically, yes, I have to buy car insurance then. By law.

FlameCloud

nobbysn*ts wrote: »

So, basically, yes, I have to buy car insurance then. By law.

The law gives you an alternative to having insurance.

Smithers37

nobbysn*ts wrote: »

So, basically, yes, I have to buy car insurance then. By law.

Basically, no. The law doesn't state that it's compulsory to have a car. Only that you need insurance if you want to drive your 1.5 tonne of steel that could cause damage that you wouldn't be able to afford if you had a accident.

I'm glad that insurance is compulsory because people like you wouldn't have it.

FlameCloud

Smithers37 wrote: »

Basically, no. The law doesn't state that it's compulsory to have a car. Only that you need insurance if you want to drive your 1.5 tonne of steel that could cause damage that you wouldn't be able to afford if you had a accident.

I'm glad that insurance is compulsory because people like you wouldn't have it.

It also doesn't state it's compulsory if you have a car.

Parking_Trouble

Don't get the RHD, LHD argument.

Otherwise I would expect a massive hike when I take my RHD abroad, or rent a LHD abroad. Surely the short term change is a much bigger risk than someone who has long term history?

Smithers37

FlameCloud wrote: »

It also doesn't state it's compulsory if you have a car.

True, but for most people insurance is effectively compulsory if you want to use your car on public highways.