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Moley 15 February 2011 11:09 PM

That's what the insurance companies are working on currently, as the law is on the side of the claimant.

Is someone is genuinely injured they deserve every penny they get. It's the fraudulent claims that are causing problems.

The fradulent claims seem to come from certain areas, so most insurers are either refusing to quote in those areas, or increasing the prices there to cover themselves.

scoobiesteve103 15 February 2011 11:12 PM

this is just crazy

stu turbo 98 15 February 2011 11:38 PM

I sorry for my 19 year old neighbour,he passed his test 6months ago, they quoted for a 1.2 x reg corsa£4000 ish,now after waiting to save a bit of cash they have quoted an unbelievable £9000 for a 1.2 fiat punto t reg was the highest quote he got .the lowest so far for a punto was£6000,to put it into perpective he earns £9500 per year before the government get their share.:eek2:

rogos 16 February 2011 12:31 AM


Originally Posted by Moley_WRX (Post 9884146)
Nope.

Big problem currently with youngsters setting up a policy so they can get an insurance certificate to tax their car, then they cancel the insurance a week later.
Even though the company only insured the car for a week they are still liable for any costs that driver has.... even though they cancelled the policy.

It needs the judges/courts to crack down on un-insured drivers. 6 points and a £100 fine isn't nearly enough IMO

if i were an insurer my solution to combat this would be pay in full or no insurance offered at all or change the policy offered by means of a clause stating a minimum reqd number of months must be paid/covered before policy can be cancelled. my insurance went up by £100 this year (A-Plan) and i have never been involved in an accident so why do i have to pay more when i am obviously a very low risk driver/customer how about making the high risk drivers/customers pay for what they cause and not the ones who have a good/excellent insurance history and are loyal. the other problem is that the laws in this country are just too feeble and present no particular worry to the wrong doer at all!! they know that with alot of crime/law breaking you only get slapped wrists and are free to do it again what goods that?

Moley 16 February 2011 12:38 AM

Most people who have claims are good drivers, and rarely have claims. But it only takes one claim to equal a big payout.

Whenever someone complains about insurance costs and tell me they've never had a claim i ask them one question.... why are you paying 10-15% extra to protect your NCB if you're so sure you'll never make a claim?

rogos 16 February 2011 12:46 AM


Originally Posted by Moley_WRX (Post 9884103)
The biggest problem with the un-insured drivers is that if you're hit by one it's down to the company who last insured that car to pay the claim.
The insurers can take the un-insured driver to court to re-claim their costs, but the judge is likely to make them pay the money back at £1 per week, so the insurers won't get their money back for many many years.

i dont see how they can do this because if its uninsured then its simply uninsured how can the last company that insured it be made to pay if it is no longer insured with them. its like saying for instance if i go and buy a car, i dont insure it, lets say i have no fixed address, and i crash it. that means that whoever insured the car last has got to pay out and then try to chase me (no fixed address) for the money. thats just wrong right from the off! so if the company that last insured it last has to pay out does it also effect the last persons history who the company had it insured with also??

rogos 16 February 2011 12:59 AM


Originally Posted by Moley_WRX (Post 9884319)
Most people who have claims are good drivers, and rarely have claims. But it only takes one claim to equal a big payout.

Whenever someone complains about insurance costs and tell me they've never had a claim i ask them one question.... why are you paying 10-15% extra to protect your NCB if you're so sure you'll never make a claim?

there is only one answer and it will be the same as any insurer will give to increased premiums - protection. its a just in case thing because you never know when its gonna be your day?? i just dont understand why the premiums are being ramped up so much for performance cars compared to a little old run around, performance cars are costly to maintain and run so its pretty obvious that most will be driven with care.

Saint AAI 16 February 2011 06:37 AM

I got hit by an uninsured driver once. The Motor Insurers' Bureau paid my damages, although there was a cap to how much they paid. It is my understanding that all insurance companies must pay into the pot the MIB have to pay out for uninsured drivers. This will be added onto our premiums of course so we all pay for uninsured drivers.

http://www.mib.org.uk/Company+Inform...en/Default.htm

The thing that annoys me with some insurance companies, is when it's time for renewal. They tell you this is their best price, but this may be quite alot more than the year before. If you shop around and find it cheaper, when you ring to say you won't renew, they tell you they will match the price without hesitation. This happened to me a few years ago. Price went up £300, shopped around and found it £300 cheaper. Called to say I won't renew and they knocked £300 off straight away. Still went with new company on principal.

fitzscoob 16 February 2011 08:55 AM


Originally Posted by rogos (Post 9884349)
i just dont understand why the premiums are being ramped up so much for performance cars compared to a little old run around, performance cars are costly to maintain and run so its pretty obvious that most will be driven with care.

I'd be surprised if it isnt all insurance premiums that havent gone up even the little old run around.

I dont think it matters a jot how costly a car is to maintain, a crash is a crash.

EddScott 16 February 2011 09:34 AM


Originally Posted by Moley_WRX (Post 9884105)
Some insurers just don't want to insure performance cars anymore, so are pricing themselves out the market come renewal time

When you say some - are there any that will offer a reasonable price?

And to be honest, its not just performance cars - my Jeep is very expensive to insure. Why its group 17 I've no idea. Some quotes on my Jeep are cheaper than for a UK turbo.

Best I can get on a UK turbo is £500 (Jeep £492 :eek:) and I'm clean as a whistle and live in a low crime area. It also seems TPFT is a waste of time these days as it just adds £50+ to the premium. If someone writes my Jeep off it will be a devil of a job getting any more than 50p out of them :)

I know you said some of it is to recoup losses through the comparison site war but I think its starting to take the pi55 a bit. If that is the case, is there ever going to be a time when they reduce the premiums? It also doesn't help they raise premiums just at the worst point in UK economic history!

phil739 16 February 2011 09:36 AM

simple

car insurance is for cars
personal injury insurance should be sold as separate
(i.e you insure yourself against any injury if you havent got it you cant claim)

not hard to work out!

goverment need to sort this as its a joke

Moley 16 February 2011 09:40 AM


Originally Posted by EddScott (Post 9884545)
When you say some - are there any that will offer a reasonable price?

We still have 5-6 companies who are giving great prices on performance cars :thumb:

Moley 16 February 2011 09:42 AM


Originally Posted by phil739 (Post 9884549)
goverment need to sort this as its a joke

Agreed :thumb:

Moley 16 February 2011 09:45 AM


Originally Posted by EddScott (Post 9884545)
I know you said some of it is to recoup losses through the comparison site war but I think its starting to take the pi55 a bit. If that is the case, is there ever going to be a time when they reduce the premiums? It also doesn't help they raise premiums just at the worst point in UK economic history!

When the amount of claims reduce.

The quality of driving in the last 5-6 years has gone down hill massively (IMO) and couple that with increased costs it doesn't look great.

EddScott 16 February 2011 09:55 AM


Originally Posted by Moley_WRX (Post 9884557)
We still have 5-6 companies who are giving great prices on performance cars :thumb:

If I give in to temptation, I'll be on the blower :D


Originally Posted by Moley_WRX (Post 9884563)
When the amount of claims reduce.

The quality of driving in the last 5-6 years has gone down hill massively (IMO) and couple that with increased costs it doesn't look great.

Is that actually poor driving or fraudulent claims? I guess with more cars and a shrinking island its going to get worse :)

This injury claim business needs sorting out really - can't the doctors report bit be sharpened up?


They have huge rows on OCUK Motors forum over whippo claims.

Moley 16 February 2011 10:08 AM

More bumper to bumper to knocks, and the claims culture means more people claim PI for it.

As for the doctors, some of these no-win-no-fee companies (only a small amount, most are above board) have certain doctors they send their clients to, who will always do a letter saying you have whiplash, even if you weren't in the car!!!

There were 400,000 whiplash claims in 2010 (whiplash only, so excluding any other injury) with an average payout of £5k including legal fees, which cost the insurers £2bil, which is 20% of the premium you pay.

Like i said, if someone is genuinely injured they certainly deserve to be compensated, but it's the fradulent claims that cause issues, and they all seem to come from certain postcodes, which insurers are now refusing to quote for.

EddScott 16 February 2011 10:23 AM


Originally Posted by Moley_WRX (Post 9884590)

Like i said, if someone is genuinely injured they certainly deserve to be compensated, but it's the fradulent claims that cause issues, and they all seem to come from certain postcodes, which insurers are now refusing to quote for.

Is that post code areas or actual post codes?

My wife made a claim being a passenger of a car that was in an accident. Her neck and shoulders play up from time to time and she uses heat patches. Whether its a derserved claim or not, her neck wasn't like that before.

Would that affect my insurance being at the same post code?

If its post code areas I suppose we get lumped in with Swansea - ug! :(

Moley 16 February 2011 10:47 AM

Post code area, either the first letters or first letters and number depending on the insurer. (ie KT and KT4)

Swansea is ok actually.

urban 16 February 2011 11:39 AM


Originally Posted by Moley_WRX (Post 9884146)
Nope.

Big problem currently with youngsters setting up a policy so they can get an insurance certificate to tax their car, then they cancel the insurance a week later.
Even though the company only insured the car for a week they are still liable for any costs that driver has.... even though they cancelled the policy.

It needs the judges/courts to crack down on un-insured drivers. 6 points and a £100 fine isn't nearly enough IMO


So - whats the point of the Motor Insurance Bureau then?

Moley 16 February 2011 11:42 AM


Originally Posted by urban (Post 9884766)
So - whats the point of the Motor Insurance Bureau then?

It certainly helps, but people still get away with it.

I've spoken to people who have been driving for 3-4 months with no insurance as they didn't realise it had run out, and they haven't been pulled over in that time

JohnD 16 February 2011 05:09 PM

Obviously, people like Admiral, Elephant, Bell will swap info - they're the same group.
I'm with Admiral multi-car and it's the cheapest way to do it. Just as a check, I craftily got a quote with them last week for a single car policy, using same postcode but 2 doors along and obviously a different name, identical car with the same declared mods etc, etc and I was quoted less than I paid last year! I shall negotiate on this basis when re-newal time comes.

JohnD

mike74 16 February 2011 05:33 PM

Hi all, newbie here, currently driving a Stilo Abarth but lurking round here as I'm potentially hoping to be able to get an impreza sometime later this year (05 sti ppp is what I'm aiming for).

Anyway just feel like having an insurance rant... mines gone up from £330 to £580 in 3 years of claim free motoring, just spent all afternoon on the comparison sites putting all my details endlessly in, only for most of them to eventually say "cant proceed with payment on-line please phone...." GRRRRR

Got one acceptable quote from sheilas wheels - £440 with £400 excess, thought I'd just see if increasing my excess would reduce it anymore and the quote went UP!
Put my excess back to the original £400 and in the few seconds it had took me to do this my original quote had then gone up by £20!!!

I know insurance prices are rising all the time but to actually watch a price going up before your very eyes is getting a bit mental!

Jamz3k 16 February 2011 05:53 PM

Moley just a general insurance question, I've recently been in an non-fault accident. Will this go against me when it comes to renewing with my insurance company?

Moley 16 February 2011 07:18 PM

Shouldn't do, but a couple of insurers charge a small bit extra (5%ish)

stu turbo 98 16 February 2011 08:08 PM

Do low mileage policies still actually exist?me and the missus do less than 6k in the scooby,when we mention it when getting quotes it doesnt seem to make a difference.

scoobiesteve103 16 February 2011 08:59 PM

this is going to sound bad but at the mo i pay less then £450 a year on my import wrx (95) if my insurance goes up to over £600 when i renew in may its buy buy impreza :( i wont be taken for a mug after 11 yrs of claim free driving.i do over 800 miles a week in my work van and i see some real a55holes but have never claimed so why should i suffer. i dont protect my no claims ether....

acstua 16 February 2011 09:05 PM

http://news.bbc.co.uk/local/leeds/hi...00/9372201.stm

its really becoming disgusting now :/

i thought 800quid for my 1st motors car insurance was bad back in 99!

scoobiesteve103 16 February 2011 09:18 PM

high insurance prices will mean more people will drive without any insurance,very true but why cant we have something like the usa where you have 2 pay the insurance/tax via the number plate?

acstua 16 February 2011 09:19 PM

aye so the only people who get hurt are the people who actually pay the insurance, or sell up to get a lower bracket car etc :/

Jamz3k 16 February 2011 09:21 PM


Originally Posted by acstua (Post 9885944)
http://news.bbc.co.uk/local/leeds/hi...00/9372201.stm

its really becoming disgusting now :/

i thought 800quid for my 1st motors car insurance was bad back in 99!

I like how some of that is worded

Not only are young drivers more likely to claim but the average cost is much higher too. Graeme's figures state that the average claim is £1,300 for a man over 50, yet for a man aged 17-19 it is £3,433.
It uses the word claim rather than have an accident and claim. a young driver whos just forked out £5,700 probably wouldn't have much of a choice but to claim if he had a small prang. An older man 50+ would most likely want to pay out of his own pocket as it would be cheaper than loading up his insurance premium next year.

Insurance is ****, too expensive to have and too expensive to use.


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