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 Post subject: Re: Car Insurance
PostPosted: Tue Jan 15, 2013 5:03 pm 
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I was on the verge of paying £300 for a second car to get me to and from work while the Mrs is off on maternity leave. When I got quotes for insurance they were as follows

£350 - Fully comp
£600 - 3rd party fire and theft
£1200 - 3rd Party

Where is the fucking logic in that.

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 Post subject: Re: Car Insurance
PostPosted: Tue Jan 15, 2013 5:32 pm 
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mannymann wrote:
I was on the verge of paying £300 for a second car to get me to and from work while the Mrs is off on maternity leave. When I got quotes for insurance they were as follows

£350 - Fully comp
£600 - 3rd party fire and theft
£1200 - 3rd Party

Where is the fucking logic in that.



That makes no sense at all :shock:


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 Post subject: Car Insurance
PostPosted: Tue Jan 15, 2013 7:55 pm 
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mannymann wrote:
I
£1200 - 3rd Party

Where is the fucking logic in that.


Seems mad, but then there is an air of baseball hats backwards about 3rd party.

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 Post subject: Car Insurance
PostPosted: Tue Jan 15, 2013 8:27 pm 
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The reasoning behind it is that drivers who only insure their cars third party are more likely to be younger drivers and their cars are more likely to be poorly maintained or older. As a result their cars might not have the latest safety features and as a result there is a higher level of risk attached to them

The whole insurance industry works off calculated risk so that's why it costs more. Likewise, if you lose your job and tell insurance company, which under the terms of your policy you're supposed to, then your premium will go up. Their logic for that is that you're more likely to be driving your car, ergo you're more likely to have an accident

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 Post subject: Car Insurance
PostPosted: Tue Jan 15, 2013 9:11 pm 
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But I have to put my age in, and I've moved up an age bracket to 35


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 Post subject: Re: Car Insurance
PostPosted: Tue Jan 15, 2013 9:48 pm 
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I picked up several endorsements last year, so I am not looking forward to my renewal which is in a few weeks!


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 Post subject: Car Insurance
PostPosted: Tue Jan 15, 2013 9:58 pm 
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I once got told by an insurance company that as I had no endorsements that it would push my premiums up as I was more likely to get done but for a bigger offence


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 Post subject: Re: Car Insurance
PostPosted: Tue Jan 15, 2013 10:09 pm 
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wtf is an endorsement?


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 Post subject: Car Insurance
PostPosted: Tue Jan 15, 2013 10:12 pm 
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This makes no fucking sense. If I have a clean license my premium will be higher as I'm likely to get done at some point. What a power of robbing bastards


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 Post subject: Re: Car Insurance
PostPosted: Tue Jan 15, 2013 10:13 pm 
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The Honey Badger wrote:
wtf is an endorsement?

Speeding ticket / points on license

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