Car insurance to get a shake-up?

spjmorris said:
Like you Andy I'm also firmly in that camp, hey we can dare to dream can't we!
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Steve, having just been through the agonising process of getting my 17 yo son insured on his own policy I've come to the conclusion that a lot of the car insurance business is a shambles with figures being arbitarily made up and altered on the whim of the broker.
Cheaper for him as student living at home or as a student living away? Some how it's cheaper if he's living away from home; how do they figure that one??? And apparently I'm a greater risk as a named driver because I have another son under the age of 16?????????
 
gone are the days of fair car insurance, as with car tax and petrol and mot.

its not coming back and its gonna go up up up.

but will the wages fall in line with costs? LOL not on ur life matey.
 
Quicksilver said:
Steve, having just been through the agonising process of getting my 17 yo son insured on his own policy I've come to the conclusion that a lot of the car insurance business is a shambles with figures being arbitarily made up and altered on the whim of the broker.
Cheaper for him as student living at home or as a student living away? Some how it's cheaper if he's living away from home; how do they figure that one??? And apparently I'm a greater risk as a named driver because I have another son under the age of 16?????????
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Try a company called i-kube, your son will hate me but your wallet won't.
 
I have gone through similar things with my wife who has been driving two years now, and is now in her first year of her own insurance policy.
some of the quotes we got were outrageous!

I am not a fan of this black-box insurance idea, I believe it is a slippery slope and will lead one day to all insurance policies going this way - of course you'll be sold it on the benefit of price, reality will one day be that you can't afford to take out a non black-box policy

</remove tin-foil hat now>
 
spjmorris said:
I have gone through similar things with my wife who has been driving two years now, and is now in her first year of her own insurance policy.
some of the quotes we got were outrageous!
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My wife has been driving for 3 years now and has myself as a named driver on her policy, this has nearly halved the price and I've only driven her car twice as i have my own car, heaven knows how they work it out.
 
You can also try putting a provisional driver on the police (provisional license holder).
No idea why but it cut my insurance down by 2k.
 
The biggest gripe that the article addresses - twice no less - is this;

BBC News said:
It found that insurers of "at-fault" drivers had no control over the amount spent on repairs or replacement vehicles by "not-at-fault" drivers.
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That sounds more like graft by the garages and dealers to me. The insurers might be complicit by not being critical of it, but I doubt they started it. After all, how would it be to their benefit to pay out more for a shunt? Just look at the price of front bumpers and upper grilles - of any car - to see what I mean.
 
spjmorris said:
I am not a fan of this black-box insurance idea, I believe it is a slippery slope and will lead one day to all insurance policies going this way - of course you'll be sold it on the benefit of price, reality will one day be that you can't afford to take out a non black-box policy

</remove tin-foil hat now>
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[Tinfoil hat]

The government (of whatever hue they are today) love the idea, are actively encouraging it, and are using the same reasoning they did with CCTV. Except now they have the carrot of money instead of the stick of guilt. Ideal in these tough times;

Old Skool: "If you're doing nothing wrong, you have nothing to fear! If you don't want to be watched by CCTV, are you a criminal?"

New Wave: "If you behave, you can save money! But if you don't want to be tracked by GPS, you're admitting you're a bad driver and you should be punished financially!"

Never mind the Magna Carta. Not that our current PM has ever read it, nor the PM before him.

This is all about the gathering of data to bring in road metering. And selling that data to anyone who can pay. I could be wrong, but the way that Those In Power are salivating over the Galileo GPS constellation suggests to me that the military applications (independent of the US's GPS service) aren't the primary reason they're keen to see it completed. Prepare to be monetised.

[/Tinfoil Hat]

Remember, my friends - shiny side out!
 
I dont see how the Galileo version of GPS could be of any use to the Military as it will pinpoint a location within 1 meter, I have working knowledge of a system the RAF had last year that makes that kind of pinpointing look huge :LOL: unless Galileo is a few million more a year to have on a contractual basis, if its more expensive some bone head civil servant will see it as a great investment that can be offset by further reductions in military manpower.
 
Who needs GPS? I can pin point bacon being cooked before it even hits the pan, in any location, at any time :D

On a serious note though, I don't think black boxes are going to help anyone in an uninsurable area (sorry JJ, lol). I tried a little experiment getting quotes on compare the annoying pointless mammal dot com just for a laugh and found out the prices varied by a huge amount, even the next street is £100 more expensive, it's nuts.
 
Procomm said:
I dont see how the Galileo version of GPS could be of any use to the Military as it will pinpoint a location within 1 meter, I have working knowledge of a system the RAF had last year that makes that kind of pinpointing look huge :LOL: unless Galileo is a few million more a year to have on a contractual basis, if its more expensive some bone head civil servant will see it as a great investment that can be offset by further reductions in military manpower.
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Ha-haa! You've proved my slightly insane and tinfoil point.

They've sold Galileo to the taxpayer as a way of removing our military dependency on the US. Spent billions on Ariane and Titan launches. But it's no use to the military and is actually a way of tracking citizen's movements.

All we need now is the recievers and recorders in their cars.

QED

And once we've done that, maybe we can put them in a device they carry all the time. Like a phone or something.

I'm only sort of joking.
 
Mako said:
Ha-haa! You've proved my slightly insane and tinfoil point.

They've sold Galileo to the taxpayer as a way of removing our military dependency on the US. Spent billions on Ariane and Titan launches. But it's no use to the military and is actually a way of tracking citizen's movements.

All we need now is the recievers and recorders in their cars.

QED

And once we've done that, maybe we can put them in a device they carry all the time. Like a phone or something.

I'm only sort of joking.
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Maybe this alien probing thing is another conspiracy to fit a biological GPS unit????


....runs into kitchen.... grabs tin foil..... and does this tin.jpg
 
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