Billy Whizz
Superbike Rider
ZZR1400 ALL BARK ALL BITE
Posts: 1,505
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Post by Billy Whizz on Nov 8, 2011 7:51:56 GMT
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Post by Chandler93 on Nov 8, 2011 13:35:53 GMT
Try being my age mate...
I'm going to loose my years no claims because my mum scraped someones car while driving my car...
Because i'm the main policy holder on that car, even though it's a multicar policy, i'm the one whos insurance gets screwed.
At 18 it's hard enough to get no claims as it is but this is taking the pi55 to be honest.
We offered to pay for any damage done to the car that was scraped but he said he has to go through the insurance and thats that.
Ohh, and my parents payed £2000 this year to insure me on my Focus... It's a complete rip off!
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Post by ZX6-Chris on Nov 8, 2011 13:37:48 GMT
Try being my age mate... I'm going to loose my years no claims because my mum scraped someones car while driving my car... Because i'm the main policy holder on that car, even though it's a multicar policy, i'm the one whos insurance gets screwed. At 18 it's hard enough to get no claims as it is but this is taking the pi55 to be honest. We offered to pay for any damage done to the car that was scraped but he said he has to go through the insurance and thats that. Ohh, and my parents payed £2000 this year to insure me on my Focus... It's a complete rip off! well am glad i didn't go down to the muli policy route then  |
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Post by Chandler93 on Nov 8, 2011 13:48:41 GMT
The funny thing is thats one of the cheapest quotes I got, we just renewed it automatically because I was in America at the time and my mum just renewed it instead of having the hassle of changing companies.
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Wheelnut
Superbike Rider
Tesco or bust!
Posts: 4,231
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Post by Wheelnut on Nov 8, 2011 14:09:57 GMT
Ohh, and my parents payed £2000 this year to insure me on my Focus... It's a complete rip off! Unfortunately it's not. If you want to direct your ire, direct it at ambulance chasing solicitors, dodgy hire car companies and a claim culture. |
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Post by Chandler93 on Nov 8, 2011 14:15:39 GMT
It is a rip off if your insurance costs twice as much as your car...
And thats only TPFT because Fully Comp was £2600 =/
So I'm still not covered for those things above
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Wheelnut
Superbike Rider
Tesco or bust!
Posts: 4,231
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Post by Wheelnut on Nov 8, 2011 16:53:36 GMT
It is a rip off if your insurance costs twice as much as your car... And thats only TPFT because Fully Comp was £2600 =/ So I'm still not covered for those things above Not sure what the cost of your car has to do with anything? Your insurance premium is based on the probability of you injuring others (including other passengers in your own car) /causing damage to property and that's derived mainly from your age and your claims history. I remember reading somewhere that the average 18 year old has a 1 in 4 chance of having an accident in any one year. Pretty frightening really.  |
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Post by Lee on Nov 8, 2011 22:54:43 GMT
Yeah! you young 'uns are all hooligans!
You should take a leaf out of the older generations book 
Its down to you lot that i have to pay £300 for bike insurance (total for 3 bikes fully comp)
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Post by Chandler93 on Nov 8, 2011 23:03:08 GMT
It is a rip off if your insurance costs twice as much as your car... And thats only TPFT because Fully Comp was £2600 =/ So I'm still not covered for those things above Not sure what the cost of your car has to do with anything? Your insurance premium is based on the probability of you injuring others (including other passengers in your own car) /causing damage to property and that's derived mainly from your age and your claims history. I remember reading somewhere that the average 18 year old has a 1 in 4 chance of having an accident in any one year. Pretty frightening really. Well, I would have 1 years no claims now but thanks to my insurance company and the one of the guy my mother scraped in a car park, i'll be loosing my first years no claims just as I earned them. I wasn't even in the damn country at the time, I was in America... And yet i'm the one who has to suffer by getting screwed by insurance companies because the guy won't let us just pay for any damage done to the car? He can eat sh1t. If I ever get the chance to speak to him i'll give him a right fking earful. |
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jacko
Pit Crew
tha zombies are coming
Posts: 141
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Post by jacko on Nov 8, 2011 23:13:27 GMT
Ohh, and my parents payed £2000 this year to insure me on my Focus... It's a complete rip off! Unfortunately it's not. If you want to direct your ire, direct it at ambulance chasing solicitors, dodgy hire car companies and a claim culture. not true insurance companies are still showing massive profits |
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nursegladys
Superbike Rider
go on punk make my day
Posts: 1,748
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Post by nursegladys on Nov 9, 2011 13:18:44 GMT
friends grandson just passed his car test 3 days after his 17th birthday and been quoted £5000  to insure an old K reg landrover. |
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Post by carlos on Nov 9, 2011 17:38:23 GMT
Personally, i dont feel i have the right to complain about insurance prices too much, as i choose to drive a high performance car.
Chandler, you dont really have the right to complain either, as your mum pays your insurance, so no-claims loss or not, it wont effect you (unless you plan to pay your parents back of course)
I feel sorry for the people who are struggling with other financial commitments, and dont have much expereance with driving, there the ones who get completly shafted by the insurance industry
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Andy
Teesside Biker
Posts: 13
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Post by Andy on Nov 9, 2011 18:09:59 GMT
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Post by Chandler93 on Nov 9, 2011 18:53:23 GMT
Personally, i dont feel i have the right to complain about insurance prices too much, as i choose to drive a high performance car. Chandler, you dont really have the right to complain either, as your mum pays your insurance, so no-claims loss or not, it wont effect you (unless you plan to pay your parents back of course) I feel sorry for the people who are struggling with other financial commitments, and dont have much expereance with driving, there the ones who get completly shafted by the insurance industry I actually do plan to pay my parents back... I have the right to complain because in a few years when I earn my own living and have to start paying my parents back, plus pay for my own insurance it'll take a big chunk of my earning away. Plus i'll be paying more for insurance because i've lost a years no claims... |
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Post by carlos on Nov 9, 2011 21:27:40 GMT
You are actually in a really lucky position, most people at your age would be over the moon with your situation re the insurance thing, not complaining wanting to a bloke an earful for making a fully legitimate claim, i know if someone scratched either of my cars, theres not a chance in hell that i would do anything other than go through the insurance, its not worth the hassle and arguing on prices etc.
Look at it this way, the amount your loosing in no claims, is saved by having an interest free parent loan. If you tot up the amount you owe, over the length of time for complete payback, and times it by an interest rate (as any bank or loan company would charge) then youll see that years no claims is eaten up in no time!
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Post by Chandler93 on Nov 9, 2011 21:30:47 GMT
Yeah, I see where your coming from mate, but my dad doesn't see it that way and he's the one paying for it...
So I get it from him =[
At the end of the day I love the fact I have a car so thank you parents <3
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Deleted
Deleted Member
Posts: 0
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Post by Deleted on Nov 9, 2011 21:32:06 GMT
My biggest gripe is this £35 admin charge to change a single detail on the policy. Even the girl at Hasting said its a fee for typing in 3 lines. So by my maths :
30 seconds typing = £35 ... So that's the equivalent of £4200 per hour.
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Post by carlos on Nov 9, 2011 23:50:14 GMT
Yeah, I see where your coming from mate, but my dad doesn't see it that way and he's the one paying for it... So I get it from him =[ Well theres one way to shut him up! Get yaself a part time job and start to pay him back, and buy things yourself, show him you dont need his money |
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Post by Chandler93 on Nov 10, 2011 0:11:07 GMT
Saying that, i'm actually half way through writing a CV to apply for jobs haha!
Halfords are taking on at the moment so i'm applying for there first.
Plus thanks to the lovely MUD! <3
I'm working at LRS on a Thursday as voulentary work to get some experience and mechanical knowledge =]
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Post by carlos on Nov 10, 2011 0:19:08 GMT
Nice one, will all help ya and go in your flavor when your finally qualified n starting your career, if you need a hand with the cv lemmi know
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the older i get the faster i was 
to insure an old K reg landrover. 
