Rant
04 March 2011, 04:10 PM
#1
Rant
What is it with some insurance companies not quoting because of job description, nowt but bloody discrimination 
Just got off the phone to one company who told me they won't quote because I am a courier (I said van driver but still classed that as courier).
I have driven the best part of a million miles in my lifetime and the only claim I have *personally* made was sixteen years ago for a car that was stolen!
* Not including the wife though
Just got off the phone to one company who told me they won't quote because I am a courier (I said van driver but still classed that as courier).
I have driven the best part of a million miles in my lifetime and the only claim I have *personally* made was sixteen years ago for a car that was stolen!
* Not including the wife though
04 March 2011, 04:28 PM
#2
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Could you actually lie about jobs?
As if you crashed and the guy came to inspect the car for mods etc etc.....does the company also need proof of what job you do?
As if you crashed and the guy came to inspect the car for mods etc etc.....does the company also need proof of what job you do?
04 March 2011, 05:03 PM
#3
Why should I have to lie about it?
Shouldn't the fact that I am familiar with the road network for a fair few miles around my area so pretty much know intimately where each and every pothole, blind crest, accident blackspot etc etc that I am likely to drive my car near is, and the fact that I have a vast amount of driving experience should count for something, not against.
Shouldn't the fact that I am familiar with the road network for a fair few miles around my area so pretty much know intimately where each and every pothole, blind crest, accident blackspot etc etc that I am likely to drive my car near is, and the fact that I have a vast amount of driving experience should count for something, not against.
04 March 2011, 05:34 PM
#6
Scooby Regular
They do check, I cant member how now but they can and do.
I believe that they risk couriers/van drivers as a higher risk as there is more of the temptation for using your car for work purposes. Now I maybe missing something here but if you did crash/claim then you would not be insured with them anyway so whats the problem. They don't seem to take in to account or offset this against the fact that you will have a huge amount of road experience and that your job depends upon your licence, surely two factors that would mean that your insurance should actually be lower.
I believe that they risk couriers/van drivers as a higher risk as there is more of the temptation for using your car for work purposes. Now I maybe missing something here but if you did crash/claim then you would not be insured with them anyway so whats the problem. They don't seem to take in to account or offset this against the fact that you will have a huge amount of road experience and that your job depends upon your licence, surely two factors that would mean that your insurance should actually be lower.
04 March 2011, 05:35 PM
#7
Scooby Regular
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04 March 2011, 06:28 PM
#10
.BTW, I did speak to you, although very briefly on the phone this afternoon. I phoned somewhat premeturely though, so will be giving you a ring again in a couple of weeks, thanks Moley
.
04 March 2011, 07:50 PM
#11
04 March 2011, 09:12 PM
#14
05 March 2011, 09:48 AM
#15
To be fair I can see your point Moley, I've been doing the job for a long time and I'll level with you, yes I used to drive flat out everywhere.
But age, marriage and kids slow you up. Nowadays, and I am being completely honest here, I very rarely break the speed limit in my work vehicle and am quite happy to trundle down a motorway at 60, let alone 70mph.
If I were to drive quickly and get around my run asap, then I am given more work to do and consequently made late, so have to drive faster. If I take it steady and stick to the speed limits I'll finish my run on time and go home on time, so it works better for me to drive sensibly.
I've been driving for nearly twenty years now. I've been a van driver for most of that time. So far I have earned 3 points for jumping a red light on a moped when I was 16 years old, then six years later 3 points for doing 70 in a 50 limit that was a 70 limit the last time I had driven down the road and caught out by hand held camera hiding in a hedge on the opposite side of the road, and 3 points for a rare speeding offence in the work van in january 2010 (running late, clear dual carriageway, unmarked police car etc).
I've had one at fault claim in a work van for not making sure the box junction was clear in front of me at a roundabout before I pulled away so ended up hitting the car that had stopped in it, that was 12 years ago, and a claim 16 years ago on my own policy for a car that was stolen.
Okay, not a perfect record, but considering the mileage I have covered, not a bad one either I like to think.
I have had to claim twice now for the wife though. In 2005 she reversed into the side of a citroen ax (at about 3mph, golf ball size dent in front wing of citroen, not even a scratch on my car, citroen written off!!) and again this january for reversing out of our drive, into the side of a BMW z3. To be fair to the wife it was pitch black outside and the car was black so she couldn't see it, and it was illegally parked opposite a bus stop so shouldn't have even been there. The next car we get will have reverse parking sensors though!
Please don't read this post as a rant towards your comment though Moley, I merely am just stating the facts to try and show that we are not all bad drivers lol.
But age, marriage and kids slow you up. Nowadays, and I am being completely honest here, I very rarely break the speed limit in my work vehicle and am quite happy to trundle down a motorway at 60, let alone 70mph.
If I were to drive quickly and get around my run asap, then I am given more work to do and consequently made late, so have to drive faster. If I take it steady and stick to the speed limits I'll finish my run on time and go home on time, so it works better for me to drive sensibly.
I've been driving for nearly twenty years now. I've been a van driver for most of that time. So far I have earned 3 points for jumping a red light on a moped when I was 16 years old, then six years later 3 points for doing 70 in a 50 limit that was a 70 limit the last time I had driven down the road and caught out by hand held camera hiding in a hedge on the opposite side of the road, and 3 points for a rare speeding offence in the work van in january 2010 (running late, clear dual carriageway, unmarked police car etc).
I've had one at fault claim in a work van for not making sure the box junction was clear in front of me at a roundabout before I pulled away so ended up hitting the car that had stopped in it, that was 12 years ago, and a claim 16 years ago on my own policy for a car that was stolen.
Okay, not a perfect record, but considering the mileage I have covered, not a bad one either I like to think.
I have had to claim twice now for the wife though. In 2005 she reversed into the side of a citroen ax (at about 3mph, golf ball size dent in front wing of citroen, not even a scratch on my car, citroen written off!!) and again this january for reversing out of our drive, into the side of a BMW z3. To be fair to the wife it was pitch black outside and the car was black so she couldn't see it, and it was illegally parked opposite a bus stop so shouldn't have even been there. The next car we get will have reverse parking sensors though!
Please don't read this post as a rant towards your comment though Moley, I merely am just stating the facts to try and show that we are not all bad drivers lol.
05 March 2011, 01:12 PM
#19
Heres a strange one, I've just done an online quote for cover from admiral without stating the car has a tracker.
Got the quote, and then edited the car details, this time including the tracker.
Why the f*** has the quote gone up by £46?
Don't understand the logic behind that one!
Got the quote, and then edited the car details, this time including the tracker.
Why the f*** has the quote gone up by £46?
Don't understand the logic behind that one!
05 March 2011, 01:17 PM
#20
Scooby Regular
There is no logic half the time. How about this, my insurance goes up by around £50 for having a Prodrive backbox, GB270 valance, uprated brakes and larger alloys. It went up by around £450 just for adding a sticker to the boot!
My insurance is £845 as a teacher but when I tried a doctor and policeman both went up by £700!
My insurance is £845 as a teacher but when I tried a doctor and policeman both went up by £700!
05 March 2011, 01:33 PM
#21
There is no logic half the time. How about this, my insurance goes up by around £50 for having a Prodrive backbox, GB270 valance, uprated brakes and larger alloys. It went up by around £450 just for adding a sticker to the boot!
My insurance is £845 as a teacher but when I tried a doctor and policeman both went up by £700!
My insurance is £845 as a teacher but when I tried a doctor and policeman both went up by £700!
Does that sticker increase performance by more than 10% though
.Still can't understand the logic with the tracker though having sat here and thought about it. I thought to myself that maybe it was because they know it would be a lot cheaper to pay out for the car and see no trace of it ever again, rather than have the car returned by police and then have to pay out for storage costs, car hire charges, then cost of repairs on top but then I thought in that case it would just be written off anyway.
05 March 2011, 01:42 PM
#22
Scooby Regular
You would think so wouldnt you. I havent a clue how they came to that. It was an online quote so couldn't ask them but I will now try every option when renewing. For example if I save £500 next year for putting back my standard brakes thats what Ill do and then just sell them.
05 March 2011, 01:45 PM
#23
Scooby Regular
Yep that was Jeremy using his PHD. Anyway thats why I did it. I thought the police and doctors were one of the lowest risks and was curios to see how much it would effect the premium. A lot it seemed.
05 March 2011, 01:53 PM
#24
You would think so wouldnt you. I havent a clue how they came to that. It was an online quote so couldn't ask them but I will now try every option when renewing. For example if I save £500 next year for putting back my standard brakes thats what Ill do and then just sell them.
Different ballgame when it comes to insuring bikes, whilst car insurance has gone up this year bike insurance seems to have gone down.
I told my bike insurer that I had replaced the stock front wheel, forks and brakes for better wheel, forks and brakes and it didn't affect the premium, in fact they were more than happy with the brake upgrade as it makes the vehicle safer, not more dangerous.
05 March 2011, 02:10 PM
#25
Scooby Regular
As implied before. Positives hardly ever seem to offset the negatives. Saying "Couriers drive on the rear bumper of the person in front in the vans so obviously habits die hard and would do the same in their personal car" is a bit weak and using a lot of assumptions, never mind that their job and lively hood depends on them not only needing to keep their licence but often keeping it clean as well, the huge amount of road experience etc.
Also "If you have uprated brakes then you must be wanting to drive faster". It couldnt possibly be because mine are only available from the dealer who wanted £500 all round so I went elsewhere and saved £150 on something actually better in addition to the fact that it will enable me to stop sooner and prevent a crash should I ever find myself in an emergency braking scenario.
Also "If you have uprated brakes then you must be wanting to drive faster". It couldnt possibly be because mine are only available from the dealer who wanted £500 all round so I went elsewhere and saved £150 on something actually better in addition to the fact that it will enable me to stop sooner and prevent a crash should I ever find myself in an emergency braking scenario.
05 March 2011, 05:17 PM
#26
If you use these comparison sites the price is worked out by a computer, and i can't comment on how they get those prices.
If you use a specialist such as Keith Michaels, A Plan or Sky the price will be worked out by a human being, so these odd (stupid) problems shouldn't crop up.
I'd NEVER use a search engine to insure my car if i didn't work in insurance, i'd want it to be done by a person who can check everything is as it should be (how i want it)
If you use a specialist such as Keith Michaels, A Plan or Sky the price will be worked out by a human being, so these odd (stupid) problems shouldn't crop up.
I'd NEVER use a search engine to insure my car if i didn't work in insurance, i'd want it to be done by a person who can check everything is as it should be (how i want it)
05 March 2011, 05:30 PM
#27
Scooby Regular
Im sure...if they will insure you. I couldnt get a quote due to my postcode. Search engines were the only option, just as well they have stupid quotes otherwise no one would be able to drive in West Yorkshire.
01 April 2011, 12:15 AM
#28
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Just got my first Subaru Impreza the other day its intresting reading everyones posts in this subject as i did the same... the results i got from the comparison sites i found to be quite expensive, i spoke to the companies mentioned previously and many more which i found to be cheaper, in the end i got an excellent quote from a company who i believe only deal exclusively with people within my job role, saved me £££.
its intresting reading everyones posts in this subject as i did the same... the results i got from the comparison sites i found to be quite expensive, i spoke to the companies mentioned previously and many more which i found to be cheaper, in the end i got an excellent quote from a company who i believe only deal exclusively with people within my job role, saved me £££.
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