Insurance is a nightmare
at the moment.

It's worse than you think. When they say it's becuase of other peoples claims, they're half right.

What is actually happening is that these oily scumbucket injury lawyers have turned the UK into another USA. Every clumsy bastard that trips over their own shoelace is now claiming compensation.

No fees? Wrong. Of course they charge fees. Who pays? Insurance companies. Where do the get the money from? Your £1,100 premium.

Very regrettable.
(username failed moderation, Fri 11 Nov 2011, 11:51, 4 replies)

^This is true, but also...
...if you are seen as too high a risk by the insurance company, rather than telling you "go away, we don't want to insure you", the insurance company will give you a quote that will make you take your business elsewhere.

The insurance company gets rid of a risk they don't want and you get to give an honest answer when asked "Have you ever been refused insurance?"
(Mork, Fri 11 Nov 2011, 11:57, closed)

I wouldnt see
Why i was high risk though. I live in a decent neighbourhood. The car is parked on a drive and i have had a grand total of three points on my license in 19 years of driving (due to a place in Howden where the road goes from a 60 to a 30 for 100 yards). Its not a sports car and i am past the age where i feel i have to drive like a maniac.
It just seems they want to bend me over and shove there fists up my arse dry repeatedly to shake as much money from my carcass as possible because they know that if you want to drive you have no bloody choice but to get insurance.
(andythepieman Is surfing the waves of indifference on, Fri 11 Nov 2011, 12:02, closed)

It's also to do with the car
maybe Peugeots have suddenly become expensive to repair.

The other killer is if your car sudeenly becomes popular with idiots. You may be the most sensible driver on the road, but if the 1.9 diesel Peugeot tends to be driven by 19 year old cruisers, you're fucked.
(username failed moderation, Fri 11 Nov 2011, 12:08, closed)

" if you want to drive you have no bloody choice but to get insurance"
This is true, but the law requires a minimum 'third party only' insurance.

That's a money saving tip in itself. Although I am the paranoid sort who believes that my car will spontaneously combust if I don't have insurance cover for it...
(Frample Tromwibbler climbs an obstacle like old people fuck, Sun 13 Nov 2011, 17:12, closed)

Oily scumbucket injury lawyers AND greedy people with no sense of responsibiliy/an inflated sense of entitlement.
Otherwise, yes.
That, and the fact that insurers are all money grabbing bastards.
( monster munch person, man, woman... camera... TV?, Fri 11 Nov 2011, 11:59, closed)

There's a stand in my local shopping centre for a claims company.
Every time I walk past I feel like tripping over it, just so I can sue them.
(anonymousreality tickled your fancy on, Fri 11 Nov 2011, 12:01, closed)

I really like this.

( monster munch person, man, woman... camera... TV?, Fri 11 Nov 2011, 12:47, closed)

So do I

( user_names_suck, Fri 11 Nov 2011, 20:32, closed)

Agree with you.
The average rise is 40% in ONE year and the companies admit to passing on our details to Sue, Grabbit and Run immediately we have an accident. So the insurance companies are making money by selling our details to these sharks then putting our premiums up to pay for the costs that the lawyers add to the claim.
Recently Mrs Jogs was gently rear-ended (Ooh matron) and within hours a vulture was on the phone trying to get her to claim for whiplash. She responded, thinking the guy was connected to her insurance company but he wasn't so she blew him out.
I insure 3 vehicles (2 for work) and I've noticed that the company that was cheapest on the comparison site when you take out the policy is rarely the cheapest the following year. One renewal sent to me this year was £40 more than the same company was quoting for a new policy on a comparison site. I shop around at every renewal. It could take an hour to stick your details on half a dozen sites but if you save £100 it's a good rate of pay for your work. Also when you find the cheapest don't order it on line. Use their free phone number and haggle. There's always £30 or more built in to the price for this. Oh and don't leave a real phone number on a website. you'll be pestered for days.
( edjogs Collared doves are shit., Fri 11 Nov 2011, 13:14, closed)

I did this with my house insurance from Tesco. They hiked it by a hundred quid so I shopped round and got a better deal with direct line saving 50 odd quid. Called rescission to cancel and then went through the "customer retention" bit. Managed to get then to drop it to almost the same as last year and give me 20 quid in gift cards. Worth haggling and asking what they can throw in extra if they can't drop the price. Oh, and double clubcard points too!
(Beaverman Opulence, I has it., Fri 11 Nov 2011, 13:43, closed)

Tesco. Pah.
Some years ago when I moved house I had my car insurance with them - when I told them about the move they hiked the fees due to the relocation so I told them I would shop around, and found a substantially cheaper offer elsewhere.

Phoned Tesco to cancel - oh, I can't do that as the thieving twunts have already taken the extra, despite me not authorising the payment. Took four weeks of phonecalls to get the money back, and spent several years avoiding their stores at all costs... sadly now they are so ubiquitous that is nigh on impossible.
(Captain Skippy pooed in a bag and left it on your doorstep, Fri 11 Nov 2011, 18:59, closed)