insurance - the megahappyawesomefunbussuperslide ride

[Bibio]

my insurance premiums are laughably cheap compared to most people so much so that my last insurance i had the girl on the other end of the phone say 'this quote cant be right its about a third of what most people pay' to which i replied 'yes but its gone up and i always thought that it went down every year if you never claimed so why has it gone up?' we then got into a long discussion about me paying for other peoples claims and it was not fair that i should have to supplement other people.

it's funny how ever since comparison sites have emerged that insurance premiums have gone up.

[yorkie_chris]

Originally Posted by keith_d

Years ago we only needed to keep a bunch of insurance underwriters in Bentleys. These days we're keeping a shed-load of lawyers in Ferraris too. And, who do you think is paying for all those 'no win no fee' adverts on the TV?? Not to mention all the people inflating their claims and staging fake accidents.

It's a shame they can't all be taken outside and shot.

I'd have that f***ing underdog put down as well.

[yorkie_chris]

Originally Posted by Runako

Its not to say the localised reasons above won't have an impact on yearly premiums but the overall trend is that, following a major event or financial crisis, premiums and costs will remain on an upward trend for a good few years to allow recovery of these losses.

It seems patently unfair for me, as committed as I am to running heap of crap vehicles and avoiding claims at all costs... that I should be subsidising a bunch mentally deficient wazzocks who bought houses on flood plains...

[widepants]

Originally Posted by yorkie_chris

It seems patently unfair for me, as committed as I am to running heap of crap vehicles and avoiding claims at all costs... that I should be subsidising a bunch mentally deficient wazzocks who bought houses on flood plains...

dont forget the gready chuffing builders , that built them in the first place , and the local authority that were thinking of all the council tax bills

[Wideboy]

And those that's cannot drive in a straight line, the young lady that hit me the first timewas on her 4th at fault accident in 8 months of driving and I believe I recall her saying those where rear ending someone, so why the feck is she still allowed a license.

If I told you the amount I pay across my 2 bikes and car I think you would pass out, putting it simply this year all 3 insurance's jumped up to a combined total of just a shade under 500 quid despite having more no claims and moving out into the sticks. My old van was half the price and insured for work use plus living in a high theft area

[Fallout]

We could just all drive without insurance. According to those police camera action style programs, if we eventually get arrested for it, we can expect to be given a little tickle and sent on our way. If we do it 8 times in a row, we may be asked not to drive for 12 months, which we can totally ignore if we choose. If caught again, we'll be asked not to drive again (probably more sternly this time). If we get caught 13 or 14 times without a license, we may be asked to do community service, which is also optional.

That's 100% factual btw. I don't want to hear any "you may be exaggerating comments".

You are also allowed to stab people.

[widepants]

Whe n I was in NZ a few years ago I was supprised to see loads of school kids , driving to school in their imported skylines .When I spoke to them about ins cost and they simply looked at me with the reply , "its opptional over here" .Dont know how true it is , but most of them were doing it ./

[yorkie_chris]

Originally Posted by widepants

Whe n I was in NZ a few years ago I was supprised to see loads of school kids , driving to school in their imported skylines .When I spoke to them about ins cost and they simply looked at me with the reply , "its opptional over here" .Dont know how true it is , but most of them were doing it ./

I think the bumraping bit (3rd party liability) is included with your tax disc and it's only F+T/comp part that is optional. I don't think ambulance chasing is allowed either.

[Bibio]

yes but they only have a population of around 4m but the islands are roughly the same size as mainland uk. i think the largest city has a population of around 1.4m so the rest of the country would be even more sparse then the north of scotland.

[widepants]

you are right Bibs , we were travelling north to the bay of islands and met a car coming the other way.My lad who was driving , stopped the camper van in the middle of the road and got out for a chat .We were there long enough to make a brew and when a car did come up behind us , there was no honking of the horn and gesticulating . He just joined us for a brew . Chilled out or what?