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obalanga

rant for the day

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I tried buying a small car the other day. The insurance qoute came to £2300. I live in a crappy area granted, but the quote was £3000 ten years ago. This was regardless how cheap a car I was buying or whether it was 3rd party or not. If one option is to move, which is an expensive thing in itself, I will lose any savings to higher rents. Insurance companies conveniently disregard that with the higher mortality rates of being on a bike, comes the need to be better on the road, more observant, anticipatory and defensive. All good things you would think. If you use a motorway you, you do alot of miles and thus a higher risk. If you do short journeys, you are probably doing town driving and some one is likely to drive out of a side street into you ergo, highers risk. All roads lead to " drop your pants, bend over and think happy thoughts". We are also told that insurance companies haven't made money in a decade due to higher claims. Can i get lower premiums if I put a warning sticker on my dash warning ye of weak necks not to enter my car if you value your neck as my insurance will not pay out for whiplash....in small print and language only a laureate could understand. And mechanics who give quote (to the insurance) £4500 to replace the ignition on a car that has been broken into, and ohhhh, the car was only worth£1000. And don't forget, they can now use second hand parts to fix your car. Afew years ago, some blokes tried lowering mens' premiums by arguing in court gender discrimination as women paid lower premiums. Result... Womens' premiums went up. That was a decision purely based on risk one poses I suppose and not shareholder stake. Well, I will just dig out my winter riding apparel and hope everyone else on the road had a nice day.

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@obalanga wrote:
I tried buying a small car the other day. The insurance qoute came to £2300.


Ferk. Are you 17 or was it a small Ferrari? Shocked

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I tried a few months ago , because I am a named driver on our car and my van is commercial I have no no claims on a car , for a old banger no matter what I done couldn't get it below £400

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one reason why i am not planning on taking car test, they want over £1500 to insure me on a car worth £500. Even being put on my parents insurance bumps it up to over £2000!!

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first year mate, i paid £2200 first year, then £1100, then £450,

get your licence and dont buy a car for a year and thatll be like £800 to insure then get a couple years no claims and itll half.

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i didn;t think no claims on a bike can be transferred to a car. my car licence is 10 years old. I did consider biting the bullet and paying for a couple of years till the costs come down but everytime I look, there is no assurance it will come down as is with the soon to be black boxes. Currently they are only be out for young drivers. But knowing lobby groups, in future if you don't have one you will have the premiums of a drunk driver.

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@obalanga wrote:
i didn;t think no claims on a bike can be transferred to a car.


a bit of digging and I may have been wrong on this one, Its business insurance to private that cannot be transferred. If anyone else knows any better please let me know

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@Davehutch wrote:
As far as I know bike no claims do not transfer to car


they dont dave i tried 4 years ago, i even had trouble putting my cars no claims on the van as its commercial.
any excuse to make you pay more

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Nope, won't transfer your no claims, but will transfer your points! thumb down

Inscos are definitely getting tighter - getting stroppy about transferring from car to van and vice versa, most van insurance won't cover you to drive other vehicles, car policies not covering you to drive even a small car derived van, bike insurers now loading if you want to take a pillion etc.

But you can still trim the cost usually by adding a middle aged woman as a named driver, or by putting that you have / or access to, another vehicle.

And don't forget that the limit for transferring dormant NCD is now two years - which irritated me recently when I went to reuse one of my dead policies that had 9 years bike NCD (just because I refuse to have muti-vehicle ones) and it was 3 months too old angry

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like PNCB, if you make a claim, they take a year off either way! how the hell is that protected?

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@fr499y wrote:
like PNCB, if you make a claim, they take a year off either way! how the hell is that protected?


I made a claim a couple of years ago and was told with having my NCB protected I wouldn't lose it but my premium would be loaded for the next 5 years (whats the difference, I pay more.end of) If I made another claim then I would lose my protection on the ncb and my premium would be loaded some more,then if I made a thrid claim I would lose all my NCB and my premium would go through the roof.

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when i hit that car my insurance went from 480 to 2800 if he had of claimed luckily we did it cash

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