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    Call centres just ask the same questions internet sites do and most of the time aren't cheaper.

    You're imposing your own lifestyle onto others at their cost and putting your lifestyle at risk by not taking out your own insurance.

    The insurance system also puts others at risk by penalising people who want to drive smaller vehicles.


    (Original post by Chrisispringles)
    That's irrelevant. You can still travel, even if it isn't as convenient as you'd like it to be.
    To which I would point you to my comment on swimming across the English channel.


    Enough to have it fixed to the state it was in before they broke it. I want to see a change in law whereby you can only claim compensation for quantifiable losses such as damage to property, time off or loss of work etc... I don't think that insurance companies should have to pay through the nose for minor or made up injuries that result in no quantifiable losses requiring compensation.
    Then we would be living in a world where the privileged could impose ridiculous costs, through their own carelessness or deliberately, onto other people.
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    (Original post by Coffinman)
    Then we would be living in a world where the privileged could impose ridiculous costs, through their own carelessness or deliberately, onto other people.
    I think you misunderstand me. The main reason that insurance is expensive, and rising, is that our legal system makes it very easy to claim large sums of money for minor or non-existant injuries. The accident rate and KSI statistics remain fairly constant and have for the last 2 decades and cars are safer than they have ever been. Despite that for some reason the number of injury claims, mostly whiplash, has increased massively in the last five years or so as most minor bumps will lead to a whiplash claim because it is easy money. That, I think, needs to change to bring insurance costs down. The cost of car repairs are generally not that high in comparison to the costs involved in an injury claim, as they involve lawyers, claims management firms, doctors and a pile of paperwork. Insurers also tend to have preferred repairers who will make deals on parts and labour, making their repairs a fair bit cheaper than what you or I could get if we were to walk in to a body shop with a pranged car.

    The issue is that if someone is claiming off your insurance then it is you who has caused the crash. In that case it is not unreasonable to expect the person who caused the crash to cover the losses of the person they hit, it is not right that people should be left out of pocket because of someone else's negligence. If, however, it were the other person that had caused the crash then it would be their responsibility to cover your losses.
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    It's not right that someones right to travel is infringed or left out of pocket because someone put an overly expensive car on the road.
    Anyway I'd forgotten about this thread until I stumbled onto these two articles recently, stating the obvious.
    One about how insurers push repair costs up and another about how they charged men more by using dodgy statistics which is being stopped at the end of this year.

    http://www.dailymail.co.uk/femail/ar...-approves.html
    http://www.dailymail.co.uk/news/arti...watchdogs.html
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    (Original post by Coffinman)
    It's not right that someones right to travel is infringed or left out of pocket because someone put an overly expensive car on the road.
    For the love of all that is holy, when are you going to pay attention to the fact that expensive cars have nothing to do with the high cost of insurance? There is a tiny minority of people out there with expensive cars and they pay more to insure them than they would a smaller cheaper car. They have a statistically insignificant effect on the cost of insurance, we are talking fractions of a percentage here. On the other hand around half of all claims include injury claims, of which doctors believe more than 70% of which are fake or exaggerated to fleece more money out of the industry. Injury claims make up a third of what the insurance industry pays out, excluding resultant legal and admin fees. For a young driver that is £1000 worth of their premium, of which £700 is completely unnecessary. Why are you getting hung up over the tiny fractions when there is an industry of insurance fraud that is responsible for ramping up your premium by a huge amount? Get a grip.

    (Original post by Coffinman)
    Anyway I'd forgotten about this thread until I stumbled onto these two articles recently, stating the obvious.
    One about how insurers push repair costs up and another about how they charged men more by using dodgy statistics which is being stopped at the end of this year.
    Insurance companies aren't the ones ramping up repair costs, it is garages. They charge whatever the hell they like and do unnecessary work because they know that it is more expensive for the insurance company to challenge them than to just roll over and pay up. Garages, AMCs, ambulance chasers and dodgy claimants are all responsible for high insurance premiums because the only way that insurers can get the money they are hemorrhaging out back is by increasing premiums. The last thing insurers want is increased costs because they are already operating at substantial losses, but still there is an entire industry whose sole purpose is to bleed them dry. They are all having to increase the cost of other insurance policies to keep their car insurance arms afloat, some smaller companies have already pulled out of the market altogether.

    This measure from Europe isn't the god-send you think it is; it applies to all insurance forms, not just car insurance. Statistically men live shorter than women, so men get better rates on their annuities. Now though, men will get substantially smaller pensions as pensions are a form of insurance and will not be able to take in to account the customer's gender. Also, if you think your insurance premium is going to substantially decrease then you are wrong, women's premiums will just rise to the same level as ours. As for dodgy statistics, really? Men have more crashes per mile driven resulting in larger claims and cover more miles per year than women. Men cost insurers more than women, so it is only natural that men pay more than women.
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    I said nothing about whether the European decision was good. It was the suspect statistics that were used to justify it.

    And if companies are losing as much money as you claim then let them fail instead of creating more silly laws like continuous Insurance Enforcement.
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    (Original post by Coffinman)
    I said nothing about whether the European decision was good. It was the suspect statistics that were used to justify it.
    The statistics are very clear. Men crash more and the claims are generally larger. That is why insurance for men is more expensive than it is for women.

    (Original post by Coffinman)
    And if companies are losing as much money as you claim then let them fail instead of creating more silly laws like continuous Insurance Enforcement.
    Personally I disagree with CIE, it is completely useless. All you have to do is SORN the car and the system will be happy. It doesn't stop you from driving it without insurance. The only people who suffer are law abiding classic car enthusiasts who have to go through a mountain of paperwork and unnecessary costs every year when they take their cars off the road for winter and put the back on the road for summer.

    However, allowing the car insurance market to collapse entirely would be disastrous. Think about it, how many people out there can afford to pay for the damages incurred in a car crash. It is a Common Law right to be compensated for your losses. If that loss is a £1000 banger then people may be able to afford to pay that themselves at a push, but what if it is the cost of lifetime care? How many people can afford 5 or 6 figure a year care bills? What about loss of earnings? A hire car whilst theirs is being fixed or replaced? Legal costs if there is a dispute as to fault, which would become more likely as people stand to lose a lot more if they admit liability? A tiny number of people are rich enough to cover the liabilities that Common Law places on all of us, the rest of us simply can't. A fender bender with someone in an old shed could easily cost four figures and more serious accidents would be financially crippling. A good way of seeing what would happen is to read the stories of Britons who have taken there cars to the Nurburgring and caused a crash there. No UK insurer covers the Nurburgring, but as it is a public road there is still a liability on you to pay for any damages. There are plenty of stories out there of people who have caused crashes and been left bankrupt after disabling other track users. Allowing car insurance to fail would be a disaster as it would undermine one of the very basic principles of our civil law system as the majority of people would not be able to compensate others for losses they had caused.
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    (Original post by Chrisispringles)
    The statistics are very clear. Men crash more and the claims are generally larger. That is why insurance for men is more expensive than it is for women.



    Personally I disagree with CIE, it is completely useless. All you have to do is SORN the car and the system will be happy. It doesn't stop you from driving it without insurance. The only people who suffer are law abiding classic car enthusiasts who have to go through a mountain of paperwork and unnecessary costs every year when they take their cars off the road for winter and put the back on the road for summer.

    However, allowing the car insurance market to collapse entirely would be disastrous. Think about it, how many people out there can afford to pay for the damages incurred in a car crash. It is a Common Law right to be compensated for your losses. If that loss is a £1000 banger then people may be able to afford to pay that themselves at a push, but what if it is the cost of lifetime care? How many people can afford 5 or 6 figure a year care bills? What about loss of earnings? A hire car whilst theirs is being fixed or replaced? Legal costs if there is a dispute as to fault, which would become more likely as people stand to lose a lot more if they admit liability? A tiny number of people are rich enough to cover the liabilities that Common Law places on all of us, the rest of us simply can't. A fender bender with someone in an old shed could easily cost four figures and more serious accidents would be financially crippling. A good way of seeing what would happen is to read the stories of Britons who have taken there cars to the Nurburgring and caused a crash there. No UK insurer covers the Nurburgring, but as it is a public road there is still a liability on you to pay for any damages. There are plenty of stories out there of people who have caused crashes and been left bankrupt after disabling other track users. Allowing car insurance to fail would be a disaster as it would undermine one of the very basic principles of our civil law system as the majority of people would not be able to compensate others for losses they had caused.
    Ye but women cause the accidents


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    (Original post by hvh)
    Only idiots risk driving without insurance, under any circumstances.

    If you don't have insurance you risk:
    - Having your driver’s license suspended.
    - Hefty fines
    - Your vechicle being ceased and only realeased with proof of insurance and after a penalty fine.

    So in your friends case, it could end up costing him/her alot more than paying for insurance in the first place. &As they commute to work, it could cost them thier job if there isn't an alternative way of getting to work.

    Edit: This is also ignoring the possibility of paying out if your friend has a crash. No matter how safe a driver you believe you are, accidents happen to everyone eventually. No matter how safe a driver you class yourself as, you really are insuring against all the ********s that are on the road, and there are plenty.
    Hi would u know how long it takes the police to act when an uninsured cars location is reported?
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    Hi could anyone tell me how long it takes for the police to act when an uninsured cars location is reported?
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    (Original post by Kbomb)
    Hi could anyone tell me how long it takes for the police to act when an uninsured cars location is reported?
    Someone ran over my cat so I reported him for having no insurance and want to know how long till action is taken?
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    We don't know/This thread is 5+ years old.
 
 
 
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