Is there a solution to the hideous Car Insurance problem in UK?

stator

AndyMc..... wrote: »

So you're happy for others to bounce off your car when parking?

I can't see many having the same attitude.

Yeah, if someone scrapes my bumper I'll happily accept £100 cash for a new bumper. Much easier than going through insurance (yes I know to tell them).

It would make the world a better place if we all worried a little less about the unimportant little things.

All cars get dented/scratched/dinged at some point in their life, so why worried too much about it.

Let's all have cheaper insurance instead

[Deleted User]

stator wrote: »

Yeah, if someone scrapes my bumper I'll happily accept £100 cash for a new bumper. Much easier than going through insurance (yes I know to tell them).

It would make the world a better place if we all worried a little less about the unimportant little things.

All cars get dented/scratched/dinged at some point in their life, so why worried too much about it.

Let's all have cheaper insurance instead

I agree with you 100%. People are so obsessed with how their car looks rather than treating it as the tool it is.

Car_54

stator wrote: »

Yeah, if someone scrapes my bumper I'll happily accept £100 cash for a new bumper. Much easier than going through insurance (yes I know to tell them).

It would make the world a better place if we all worried a little less about the unimportant little things.

All cars get dented/scratched/dinged at some point in their life, so why worried too much about it.

Let's all have cheaper insurance instead

Please let me know where I can get a new bumper for £100.

rudekid48

stator wrote: »

Yeah, if someone scrapes my bumper I'll happily accept £100 cash for a new bumper. Much easier than going through insurance (yes I know to tell them).

It would make the world a better place if we all worried a little less about the unimportant little things.

All cars get dented/scratched/dinged at some point in their life, so why worried too much about it.

Let's all have cheaper insurance instead

Would you feel the same way about your front teeth if you took that attitude with my car? :rotfl:

(Not a real threat before any "bullying" posts appear )

barryisland

Norman_Castle wrote: »

I understand people getting annoyed at damage to their cars but designing cars to be more resilient would be sensible.

Agreed, but sadly thats not the world we live in.

Norman_Castle

barryisland wrote: »

Yes, however its the damage to the bodywork that causes it to be written off, not the damage to the paintwork (99.99% of the time)

Important distinction relative to what you originally said.

Cars are written off due to the overall repair cost which paintwork can be a high proportion.

NBLondon

Hmmm - my annual premium is less than a week's salary. That's for a Focus that lives on the street in London Zone 3 so I'm sure it could be half a week's salary if I lived a little further out and had a driveway.

As for the parking dings... You may not care about your property but I care about mine and by extension - everybody else's. So if I can park without damaging someone else's property - so should you. Knock your own stuff about as much as you like - damage mine and I have every right to insist it be put back as it was.

Gloomendoom

Roland_Sausage wrote: »

No idea what the OP is being quoted if they think that 2.5k would be worth boasting about.

I know a 22 year old student with a brand new Lamborghini Huracan. £2.5k insurance. Midlands city

I thought it was a bargain.

foxy-stoat

Dont worry chaps, Happy will be back at school in a few weeks.

pogofish

waamo wrote: »

Have you seen the margins these so called miserable companies make on motor insurance? They are really quite small.

Yet the UK insurance industry is reporting that 2018 is shaping-up to be its most profitable in twenty years - And profits have been rising steadily since the low-point back in the 1990s, when they refocused their attentions solely on to making money instead of providing a service to customers.