Older driver car insurance....

sevenhills

Cloth_of_Gold said:

How is that going to work when petrol/diesel vehicles have been phased out and everyone has to have an EV?

You would think a tank full of petrol would be at least as dangerous as a very large battery?

I have a car battery in my outhouse and various smaller batteries in my house, I have a battery recharging next to my TV now, but I would worry more about a gallon of petrol. They will make more money if they hype up the danger.

GrumpyDil

The problem as I understand it is that EV battery fires are far harder to put out than petrol fires. 

Cloth_of_Gold

MeteredOut said:

Cloth_of_Gold said:

MeteredOut said:

Indout96 said:

Its just the cost now with the stupid cost of repairs and cars holding value longer. Expect it to get worse rather than better as more Electric cars are on the roads, repairs for them run 25% more expensive and take longer so more hire car costs on claims.
https://www.fleetnews.co.uk/news/latest-fleet-news/electric-fleet-news/2023/07/05/electric-vehicle-repair-costs-revealed-versus-ice-equivalent
Mine went up 70% in November to £558 and only one possible cheaper alternative on comparison sites who I had never heard of (age 62 Civic 1.5 Prestige) last claim was in 1996 so max bonus but I do have one SP30 which is 4 years old so still counts for insurance even though my licence says its expired on the Website.
Some such as SAGA & Direct line were well over £1500

That's a really interesting article, covering some challenges I'd not heard of before. eg

"Government guidelines state that due to fire risk, damaged BEVs awaiting repair should be stored in an outside quarantine area, at a safe distance of 15 metres from other nearby objects.

As such, an outside storage space with capacity for 100 ICE vehicles, would allow for the safe quarantine of just two BEVs, representing a potential 98% reduction in repair capacity."

The anti-EV brigade will love that.

How is that going to work when petrol/diesel vehicles have been phased out and everyone has to have an EV?

It just will - guidelines will change to reflect latest safety tests, costs will be adjusted to reflect whatever needs to be done.

'It just will'? There will need to be a lot of land made available for vehicle storage if only two vehicles can be stored for repair where currently 100 are.

EnPointe said:

Cloth_of_Gold said:

400ixl said:

Too low a mileage would be the first one that leaps out as that can be an issue showing not enough driving.
Adding other drivers who are younger but have good driving histories
Location of car, garage can be more expensive than driveway or road as an example
Assume occupation is retired and if so do you also have commute on the policy

Not sure there is much else you can do.

Why would that make the quote higher (I'm not doubting you, just trying to understand)? I would have thought that the less you drive the less likely you are to have an accident and therefore make a claim.

  low milage and  a driver   in or approaching their 70s  screams ' prematurlry doddering old giffer'   to the underwriter  vs ' retiree, living life, gallavanting about  and going to see  kids  , grandkids, nieces and nephews etc  and  generally  making a benigh nuisance off themselves in a Last of the Summer wine manner  '

also   the mismatch between 'retired'   and having  Commuting or class 1   on the policy  or  still having an occupation down and havign community asnd the low milege

What a lot of ageist nonsense. I do about 1500 miles per year and am not approaching my 70s and am most certainly not a 'prematurely doddering old giffer'! There might be any number of reasons why your vehicle is not used a great deal.

Ectophile

Cloth_of_Gold said:

MeteredOut said:

Indout96 said:

Its just the cost now with the stupid cost of repairs and cars holding value longer. Expect it to get worse rather than better as more Electric cars are on the roads, repairs for them run 25% more expensive and take longer so more hire car costs on claims.
https://www.fleetnews.co.uk/news/latest-fleet-news/electric-fleet-news/2023/07/05/electric-vehicle-repair-costs-revealed-versus-ice-equivalent
Mine went up 70% in November to £558 and only one possible cheaper alternative on comparison sites who I had never heard of (age 62 Civic 1.5 Prestige) last claim was in 1996 so max bonus but I do have one SP30 which is 4 years old so still counts for insurance even though my licence says its expired on the Website.
Some such as SAGA & Direct line were well over £1500

That's a really interesting article, covering some challenges I'd not heard of before. eg

"Government guidelines state that due to fire risk, damaged BEVs awaiting repair should be stored in an outside quarantine area, at a safe distance of 15 metres from other nearby objects.

As such, an outside storage space with capacity for 100 ICE vehicles, would allow for the safe quarantine of just two BEVs, representing a potential 98% reduction in repair capacity."

The anti-EV brigade will love that.

How is that going to work when petrol/diesel vehicles have been phased out and everyone has to have an EV?

By then, Lithium Nickel Manganese Cobalt batteries will be obsolete, and new cars will be using other chemistries like Lithium Iron Phosphate, or even Sodium Ion.  The newer batteries are much less flammable.

MeteredOut

Cloth_of_Gold said: 

MeteredOut said:

Cloth_of_Gold said:

MeteredOut said:

Indout96 said:

Its just the cost now with the stupid cost of repairs and cars holding value longer. Expect it to get worse rather than better as more Electric cars are on the roads, repairs for them run 25% more expensive and take longer so more hire car costs on claims.
https://www.fleetnews.co.uk/news/latest-fleet-news/electric-fleet-news/2023/07/05/electric-vehicle-repair-costs-revealed-versus-ice-equivalent
Mine went up 70% in November to £558 and only one possible cheaper alternative on comparison sites who I had never heard of (age 62 Civic 1.5 Prestige) last claim was in 1996 so max bonus but I do have one SP30 which is 4 years old so still counts for insurance even though my licence says its expired on the Website.
Some such as SAGA & Direct line were well over £1500

That's a really interesting article, covering some challenges I'd not heard of before. eg

"Government guidelines state that due to fire risk, damaged BEVs awaiting repair should be stored in an outside quarantine area, at a safe distance of 15 metres from other nearby objects.

As such, an outside storage space with capacity for 100 ICE vehicles, would allow for the safe quarantine of just two BEVs, representing a potential 98% reduction in repair capacity."

The anti-EV brigade will love that.

How is that going to work when petrol/diesel vehicles have been phased out and everyone has to have an EV?

It just will - guidelines will change to reflect latest safety tests, costs will be adjusted to reflect whatever needs to be done.

'It just will'? There will need to be a lot of land made available for vehicle storage if only two vehicles can be stored for repair where currently 100 are.

Yes, it just will. Guidelines will change as the risks are better understood and processes change. They’re just being very careful at present. The 2 versus 100 won’t be around forever. There are myriad examples of safety guidelines being relaxed as new technologies become better understood.

I’ll go as far as saying that specific guideline will change in a direct line with the increase in EVs needing the off site space.

400ixl

Cloth_of_Gold said:

MeteredOut said:

Cloth_of_Gold said:

MeteredOut said:

Indout96 said:

Its just the cost now with the stupid cost of repairs and cars holding value longer. Expect it to get worse rather than better as more Electric cars are on the roads, repairs for them run 25% more expensive and take longer so more hire car costs on claims.
https://www.fleetnews.co.uk/news/latest-fleet-news/electric-fleet-news/2023/07/05/electric-vehicle-repair-costs-revealed-versus-ice-equivalent
Mine went up 70% in November to £558 and only one possible cheaper alternative on comparison sites who I had never heard of (age 62 Civic 1.5 Prestige) last claim was in 1996 so max bonus but I do have one SP30 which is 4 years old so still counts for insurance even though my licence says its expired on the Website.
Some such as SAGA & Direct line were well over £1500

That's a really interesting article, covering some challenges I'd not heard of before. eg

"Government guidelines state that due to fire risk, damaged BEVs awaiting repair should be stored in an outside quarantine area, at a safe distance of 15 metres from other nearby objects.

As such, an outside storage space with capacity for 100 ICE vehicles, would allow for the safe quarantine of just two BEVs, representing a potential 98% reduction in repair capacity."

The anti-EV brigade will love that.

How is that going to work when petrol/diesel vehicles have been phased out and everyone has to have an EV?

It just will - guidelines will change to reflect latest safety tests, costs will be adjusted to reflect whatever needs to be done.

'It just will'? There will need to be a lot of land made available for vehicle storage if only two vehicles can be stored for repair where currently 100 are.

EnPointe said:

Cloth_of_Gold said:

400ixl said:

Too low a mileage would be the first one that leaps out as that can be an issue showing not enough driving.
Adding other drivers who are younger but have good driving histories
Location of car, garage can be more expensive than driveway or road as an example
Assume occupation is retired and if so do you also have commute on the policy

Not sure there is much else you can do.

Why would that make the quote higher (I'm not doubting you, just trying to understand)? I would have thought that the less you drive the less likely you are to have an accident and therefore make a claim.

  low milage and  a driver   in or approaching their 70s  screams ' prematurlry doddering old giffer'   to the underwriter  vs ' retiree, living life, gallavanting about  and going to see  kids  , grandkids, nieces and nephews etc  and  generally  making a benigh nuisance off themselves in a Last of the Summer wine manner  '

also   the mismatch between 'retired'   and having  Commuting or class 1   on the policy  or  still having an occupation down and havign community asnd the low milege

What a lot of ageist nonsense. I do about 1500 miles per year and am not approaching my 70s and am most certainly not a 'prematurely doddering old giffer'! There might be any number of reasons why your vehicle is not used a great deal.

You are putting the direct association between the two. I didn't.

It is statistically proven that people who do very low mileage are more of a risk than do a normal amount of driving. To the OP's over exaggerated answer, high mileage drivers are also a higher risk than someone doing a normal amount of mileage.

Age is a different factor they take into consideration.

On the other side, retired people tend to drive less in rush hour, so counts in their favour.

Essentially there are hundreds of different factors and consideration which make up the algorithms that calculate insurance policy rates.

Some of those elements are in your control, you can estimate you mileage to be what you want as long as it is not lower than what you will actually do. Some things you can't such as your age.

jimjames

maxmycardagain said:

400ixl said:

Too low a mileage would be the first one that leaps out as that can be an issue showing not enough driving.

i starting to think day insurance when in use may be cheaper than an annual policy, SORN it the rest of the time

Probably work out more expensive if you have to keep taxing it than if you just paid the insurance. Once you SORN the tax is cancelled and you need to tax again if you use it. You can't have it taxed and not insured

Cloth_of_Gold

400ixl said:

Cloth_of_Gold said:

MeteredOut said:

Cloth_of_Gold said:

MeteredOut said:

Indout96 said:

Its just the cost now with the stupid cost of repairs and cars holding value longer. Expect it to get worse rather than better as more Electric cars are on the roads, repairs for them run 25% more expensive and take longer so more hire car costs on claims.
https://www.fleetnews.co.uk/news/latest-fleet-news/electric-fleet-news/2023/07/05/electric-vehicle-repair-costs-revealed-versus-ice-equivalent
Mine went up 70% in November to £558 and only one possible cheaper alternative on comparison sites who I had never heard of (age 62 Civic 1.5 Prestige) last claim was in 1996 so max bonus but I do have one SP30 which is 4 years old so still counts for insurance even though my licence says its expired on the Website.
Some such as SAGA & Direct line were well over £1500

That's a really interesting article, covering some challenges I'd not heard of before. eg

"Government guidelines state that due to fire risk, damaged BEVs awaiting repair should be stored in an outside quarantine area, at a safe distance of 15 metres from other nearby objects.

As such, an outside storage space with capacity for 100 ICE vehicles, would allow for the safe quarantine of just two BEVs, representing a potential 98% reduction in repair capacity."

The anti-EV brigade will love that.

How is that going to work when petrol/diesel vehicles have been phased out and everyone has to have an EV?

It just will - guidelines will change to reflect latest safety tests, costs will be adjusted to reflect whatever needs to be done.

'It just will'? There will need to be a lot of land made available for vehicle storage if only two vehicles can be stored for repair where currently 100 are.

EnPointe said:

Cloth_of_Gold said:

400ixl said:

Too low a mileage would be the first one that leaps out as that can be an issue showing not enough driving.
Adding other drivers who are younger but have good driving histories
Location of car, garage can be more expensive than driveway or road as an example
Assume occupation is retired and if so do you also have commute on the policy

Not sure there is much else you can do.

Why would that make the quote higher (I'm not doubting you, just trying to understand)? I would have thought that the less you drive the less likely you are to have an accident and therefore make a claim.

  low milage and  a driver   in or approaching their 70s  screams ' prematurlry doddering old giffer'   to the underwriter  vs ' retiree, living life, gallavanting about  and going to see  kids  , grandkids, nieces and nephews etc  and  generally  making a benigh nuisance off themselves in a Last of the Summer wine manner  '

also   the mismatch between 'retired'   and having  Commuting or class 1   on the policy  or  still having an occupation down and havign community asnd the low milege

What a lot of ageist nonsense. I do about 1500 miles per year and am not approaching my 70s and am most certainly not a 'prematurely doddering old giffer'! There might be any number of reasons why your vehicle is not used a great deal.

You are putting the direct association between the two. I didn't.

It is statistically proven that people who do very low mileage are more of a risk than do a normal amount of driving. To the OP's over exaggerated answer, high mileage drivers are also a higher risk than someone doing a normal amount of mileage.

Age is a different factor they take into consideration.

On the other side, retired people tend to drive less in rush hour, so counts in their favour.

Essentially there are hundreds of different factors and consideration which make up the algorithms that calculate insurance policy rates.

Some of those elements are in your control, you can estimate you mileage to be what you want as long as it is not lower than what you will actually do. Some things you can't such as your age.

With respect, I didn't quote you.

maxmycardagain

Cloth_of_Gold said:

MeteredOut said:

Indout96 said:

Its just the cost now with the stupid cost of repairs and cars holding value longer. Expect it to get worse rather than better as more Electric cars are on the roads, repairs for them run 25% more expensive and take longer so more hire car costs on claims.
https://www.fleetnews.co.uk/news/latest-fleet-news/electric-fleet-news/2023/07/05/electric-vehicle-repair-costs-revealed-versus-ice-equivalent
Mine went up 70% in November to £558 and only one possible cheaper alternative on comparison sites who I had never heard of (age 62 Civic 1.5 Prestige) last claim was in 1996 so max bonus but I do have one SP30 which is 4 years old so still counts for insurance even though my licence says its expired on the Website.
Some such as SAGA & Direct line were well over £1500

That's a really interesting article, covering some challenges I'd not heard of before. eg

"Government guidelines state that due to fire risk, damaged BEVs awaiting repair should be stored in an outside quarantine area, at a safe distance of 15 metres from other nearby objects.

As such, an outside storage space with capacity for 100 ICE vehicles, would allow for the safe quarantine of just two BEVs, representing a potential 98% reduction in repair capacity."

The anti-EV brigade will love that.

How is that going to work when petrol/diesel vehicles have been phased out and everyone has to have an EV?

wont happen, long haul HGV's and coaches will never be electric do diesel MUST be available therefore diesel cars will have fuel available and EV charging points wont be sufficient till 2050

(come home to a real fire buy a EV)

and i wont care

maxmycardagain

if id been born on a February 29th id only be 18