Insurance.

[vivandorron]

Why does the premium on my insurance increase each year; without my making any claim and the value of my car is rapidly decreasing. (4yr old Seat Leon worth what !!) ??

[Ethel]

Whilst the value of your car is depreciating, the important factor for the insurance company is the value of any car you may hit, the injuries you may cause and so on.

In today's climate, the likelihood of a personal injury claim is higher than ever, mainly due to these 'no win no fee' accident claim handlers that advertise everywhere.

So while your car may be of little value, a collision caused by you could literally cost your insurance company hundreds of thousands of pounds.

[maviscoull]

and probably to cover other folks claims !!

[Toureman]

Probably because you stay with the same insurer year after year.

Go to ...............

http://www.confused.com/pages/index.jsp?MediaC ode=100

I bet you you will find a quote there at least 25% cheaper than the one you have now.

[BillyNoMates]

Plus the fact that you pay for all the t*ssers out there who drive without insurance. We all do - it goes into a pot.

Thankfully more and more Police cars are having ANPR fitted so hopefully more of them will get caught, prosecuted and have their vehicles destroyed.

I feel better for that !

[Catso]

The cost of repairs also goes up, year by year. So they have to cover this.

(Not defending them, I think it's a cartel and they've got us over a barrel)

[Loosehead]

Toureman is most likely correct here, apathy costs money, shop around next renewal. My insurance for both car and bike have been cheaper year on year for the past 2 years.

What I find annoying is; the renewal quote comes through, you shop round and get a better deal. The original company calls you up to ask if yuo intend to renew and you say no as you've got a better deal, then they say "oh we can match that" and I say "Well why did you send me a rip off quote in the first place?" Makes my blood boil!

[vivandorron]

Thanks to all for your answers.
I dislike awarding star ratings; especially when all your comments have been enlighting.
However, I am over the moon by your individual reponses.

[vivandorron]

CORRECTION:- The word should have been "Enlightening.
The sun got in my eyes when I was typing!!!!

[Toureman]

Thanks VIV.

[vivandorron]

Hi Toureman. I don't know if personal correspondence is permitted on this site. Nevertheless, I wish you to know that my wife Viv and I are pleased that you have aknowledged our thanks and I am certainly going to 'dig-out' all the details needed to get a Quote via Confused. All the best.
.......Ron (the lesser half of Vivandorron.)