npinks wrote:

I really do think the system needs a overhaul, problem with crushing them if they have a car on Hire Purchase they cant crush it, or seize it and sell at auction as they HP company is the one that owns it not the uninsured driver

In that case - finance companies should take responsibility and if proof of insurance is not available the car should be taken away - simples  Freelander 2 TD4 Auto, SE, Narvik Black, Alpaca full leather, Rear Headrest Entertainment System, 6 CD, 18 HSE Wheels, Privicy tints

Fl2 was £330 p.a. RRS £380 fully comp no claims protect £150 excess At work
At home

"I can't always believe facts I read on the web" - Charles Dickens

winner by default of the tractor vs caravan race

Sainsburys car insurance about £300

Realspeed Ex 2010 Freelander2 GS-e Diesel manual Silver owner

chicken george wrote:

Fl2 was £330 p.a. RRS £380 p.m. fully comp no claims protect £150 excess

 2002 Honda VFR800
2002 Toyota Celica 140 Silver (mid life crisis - again!)
2007 FL2 GS Manual Army Reconnaissance Green + freel2.com sticker
2004 Toyota Celica 140 Black - Gone
2000 Toyota Celica 140 Silver - Gone
1998 Toyota Celica ST Pearl Green - Gone
1996 Nissan Primera 1.6 - Gone
1994 Rover Montego 1.6 Auto - Gone

simont wrote:

chicken george wrote:

Fl2 was £330 p.a. RRS £380 p.m. fully comp no claims protect £150 excess

The best thing about those quotes is that they are NFU insurance ,they actually pay out on claims, and the girl at the office is HOT, with a soft irish voice, she could tell me it was £3800 and Id nod and smile  At work
At home

"I can't always believe facts I read on the web" - Charles Dickens

winner by default of the tractor vs caravan race

Just renewed with churchill, 5 years no claims £420 oh and I am 27. Not bad me thinks

landy19840 wrote:

Just renewed with churchill, 5 years no claims £420 oh and I am 27. Not bad me thinks

Sometimes their ideas seem weird to say the least. I'm a retired bloke but I work occasionally. Last time I renewed (Swiftcover) they said they wouldn't give me business cover as I was retired. So I said OK, I work in education. They gave me business cover and knocked 50 quid off. Why Btw Swiftcover aka AXA seem about the cheapest for me, and didn't go up exorbitantly when I renewed. Only problem is going abroad - if more than 3 days they charge extra.

I am the same with insurance going up and up, But on the other hand my car has gone up and up in the last few years. But there was a time when you could barter. Last time I tried they just said 'the computer says thats the price so thats the price'

Not even a glimer of trying to keep my business. Just seems that they are out to get the new custom, not keep the continued custom.

Oh and dont even get me started on uninsured drivers

My Mrs is paying £800+ with NFU, fully protected no claims however, they have just paid out on the 13 year old Defender County that was nicked. This is a case of you get what you pay for, NFU charged £400+ for the defender, but within one month had settled at £9000, as a replacement for the 13 year old car at a fair market value, which can not be faulted, NFU is still I believe a mutual insurer and premiums are suffering heavily due to rising Defender and tractor theft, and obviously she is heavily loaded following that loss. I still think I will stick with them as when the hits the fan they are brilliant. I would not see any of the internet insurers popping up full replacement like that.

Any way Insurers are robbing bastards, my 18 year old grandson is paying £850 TPFT on a 33bhp restricted Suzuki motorbike worth £3800 when i had a quote from a leading insurer for the same bike at £1900 TPFT , he was staggered when I explained it would be better for the kid to go uninsured and pay any fine in the unlikely event that he was caught . 2009 GS Auto Zermatt Silver - Sold June 21 after 10 years of ownership

2016 Subaru Outback SE 2.0 diesel SE Premium Lineartronic Sold 2024 after 8 years and 80k miles . Best Car I ever owned !

2023 Toyota Hilux invincible X 2.8 Auto .

Captain Worm wrote:

npinks wrote:

I really do think the system needs a overhaul, problem with crushing them if they have a car on Hire Purchase they cant crush it, or seize it and sell at auction as they HP company is the one that owns it not the uninsured driver

In that case - finance companies should take responsibility and if proof of insurance is not available the car should be taken away - simples

I can understand premiums going up (being loaded!) if you cause accidents etc and it's your fault - but in the case of a vehicle being stolen how can that be blamed on the driver. How does that make you more of an insurance risk? Does it mean if one of your cars is stolen then all o fthem are likely to be stolen. 2002 Honda VFR800
2002 Toyota Celica 140 Silver (mid life crisis - again!)
2007 FL2 GS Manual Army Reconnaissance Green + freel2.com sticker
2004 Toyota Celica 140 Black - Gone
2000 Toyota Celica 140 Silver - Gone
1998 Toyota Celica ST Pearl Green - Gone
1996 Nissan Primera 1.6 - Gone
1994 Rover Montego 1.6 Auto - Gone

They call it a no claim bonus not a no blame bonus,
ever since private equity firms bought out the major players, (AA included) it's all been about shareholder profit and not actuarially worked out policy pricing. Remember it is the insurance companies that own the credit hire businesses that are tearing the out of the insurance world.

during the purchase of my new motor I had to ensure the old and new cars at the same time (private plate swap).

Simple I thought insure the rrs third party only until I collect it, wrong 3rd party only was considerably more money than fully comp  At work
At home

"I can't always believe facts I read on the web" - Charles Dickens

winner by default of the tractor vs caravan race

simont wrote:

I can understand premiums going up (being loaded!) if you cause accidents etc and it's your fault - but in the case of a vehicle being stolen how can that be blamed on the driver. How does that make you more of an insurance risk? Does it mean if one of your cars is stolen then all o fthem are likely to be stolen.