Insurance STONING - Saxperience

welshy23 · 8th October 2009, 12:33

do you think if everyone clubbed together and said enough is enough with stupid fucking quotes that a company will listen?. I've had enough of insruance being so stupidly high. Tbh im sure alot of new drivers and better then older drivers with how hard the test is (well sorta). I dont even think you should have insurance, i think if you crash you have to pay legally or somthing... if you dont then u get taken to court and bummed. anyone else with me?...

Matt67 · 8th October 2009, 12:36

Nope, we have to be insured. They have us by the short and curlys when it comes to insurance.

SaxoMuffin · 8th October 2009, 12:37

The way I see it is that I think most people that have just passed their test (the majority some people are idiots striaght after they pass) can be better drivers than those that have driven for ages as they haven't picked up all the bad driving habits.

Insurance companies just take the p*ss when it comes to quotes, they know you have to pay it so they can charge whatever they like. It the same as funerals, funeral companies know people will have to buy a box so they can justify a price of £2000 for what is basically a cardboard coffin..I think not....

Saxo_theedge · 8th October 2009, 12:53

Everyday on saxp theres a thread "crashed my saxo"

And you want insurers to give you the benefit of the doubt? Sadly theirs to many young drivers that think there the stig, i cant wait to get out the young drivers insurance bracket....

I do agree they ripp us of though, but as already said, they know we cant drive without it. Its a shit situation.

Ryan^p · 8th October 2009, 12:56

Quote:

Originally Posted by SaxoMuffin

The way I see it is that I think most people that have just passed their test (the majority some people are idiots striaght after they pass) can be better drivers than those that have driven for ages as they haven't picked up all the bad driving habits.

You learn alot more through years of driving experience than you ever will when you learn to 'pass' the test.

Jordysport · 8th October 2009, 12:56

insurance should be less than the value of the car. mine was about 4x the value of my car when i started driving.

SAM33R · 8th October 2009, 13:00

insurance companies are owned by the illuminati

so yeah you'll probably get assisnated but not a cheaper quote

SaxoMuffin · 8th October 2009, 13:00

Quote:

Originally Posted by Ryan

You learn alot more through years of driving experience than you ever will when you learn to 'pass' the test.

Touché..but there is a high percentage of people that will be alot more cautious (Spelling meh...) when starting driving. Its only a minority of people that will get way too over confident way too quickly and fail.

To be fair. insurance companies dont have to start people of driving with huge quotes, why not have a 'reasonable' sum and then rape people who do crash at their own fault..

There was an article in the paper where a new driver gets insured on a new punto for less than he does with a old punto... what the douce....

dinga · 8th October 2009, 13:00

its still a rip off.im an old man paid £20,000+ on car and bike insurance over the years,not made a single claim.if you think your paying too much,move to n.ireland your current price will double if not treble.
and passing your test only means you have reached the minimum standard.imo a single minor should mean a fail,too many shit drivers on our roads at the minute never mind adding to it.

Mochachino · 8th October 2009, 13:01

The driving test isnt hard at all. Its just remembering sequences.

SAM33R · 8th October 2009, 13:02

Quote:

Originally Posted by SaxoMuffin

There was an article in the paper where a new driver gets insured on a new punto for less than he does with a old punto... what the douce....

becuase new cars are safer and have more secuirty....

Ryan^p · 8th October 2009, 13:03

Quote:

Originally Posted by SaxoMuffin

Touché..but there is a high percentage of people that will be alot more cautious (Spelling meh...) when starting driving. Its only a minority of people that will get way too over confident way too quickly and fail.

I agree prices are wrong however new drivers being more cuatious doesnt make them safer.

being able to read the road/conditions and others around you does. Something that you barely learn when you are practicing how to pass a test.

You dont learn on a test how to control a car which has hit black ice

SaxoMuffin · 8th October 2009, 13:10

Quote:

Originally Posted by SAM33R

becuase new cars are safer and have more secuirty....

Yes but the value or the car. Say you pay the same insurance for an '09 punto and the same for a '99 punto.

The 99 punto is worth less than the ammount your paying in insurance, so its written off and you loose money, but if the 09 punto is written off they you will be able to buy another one...

Damn insurance companies...

SAM33R · 8th October 2009, 13:15

theres alot of ways to waffle around with insurance companies to get cheaper insurance

Ryan^p · 8th October 2009, 13:18

Quote:

Originally Posted by SaxoMuffin

Yes but the value or the car. Say you pay the same insurance for an '09 punto and the same for a '99 punto.

The 99 punto is worth less than the ammount your paying in insurance, so its written off and you loose money, but if the 09 punto is written off they you will be able to buy another one...

Damn insurance companies...

Remeber insurance is not just about covering your car or the driver depending on value.

Hence why you have legal cover included in most, and why 3rd party fire and theft covers for what you hit.

A car which is less likely to be nicked is generally cheaper, hence why cat 1 alarms can reduce premiums

Proffitt · 8th October 2009, 13:22

Search around, there will always be a nice cheap quote somewhere

Like Ryan is saying...you learn how to drive after you pass your test.

Ashleyp · 8th October 2009, 13:33

Quote:

Originally Posted by Matt67

Nope, we have to be insured. They have us by the short and curlys when it comes to insurance.

Quote:

Originally Posted by Ryan

You learn alot more through years of driving experience than you ever will when you learn to 'pass' the test.

agree 100%

the problem imo is the test / learning structure.. let's be honest, its not hard to pass a test, and other than an emergency stop you dont lean much real life experience

compare this to other european countries where you have to have a LOT more training on more things such as skid pan's etc, and in all conditions!

SAM33R · 8th October 2009, 13:35

premium is on risk factor not price of the car, insurance payout comes out other peoples pocket obviuosly, high insurance is just so they break even etc in long run

craig180^p · 8th October 2009, 13:38

Young drivers are and always be more of a liability than experienced drivers. Fact.

At the end of the day insurers risk assess each and every application. If you don't like their price use another insurer.

The amount you pay doesn't relate to the cost of your own car, it's based on maybe 30 or 40 different factors.

High premiums on quick cars are meant to be a deterrant so that younger drivers drive slower cars

Ben · 8th October 2009, 13:42

Quote:

Originally Posted by saxo180

Young drivers are and always be more of a liability than experienced drivers. Fact.

At the end of the day insurers risk assess each and every application. If you don't like their price use another insurer.

The amount you pay doesn't relate to the cost of your own car, it's based on maybe 30 or 40 different factors.

High premiums on quick cars are meant to be a deterrant so that younger drivers drive slower cars

+1

Then they go under Mummy & Daddys insurance.