ChatterBank1 min ago
Car insurance soaring.
25 Answers
http://tinyurl.com/5tgkt4b
Is the price of car insurance getting unaffordable for the average motorist?
The companies put the blame on the “no win, no fee” lawyers who openly encourage drivers to make claims, many who do so fraudulently.
Could not the Government introduce measures so as to put a cap on premiums charged?
Or perhaps two separate policies could be introduced, one being for the vehicle and the other for personal insurance?
These suggestions have not been properly thought out, they are just hurried reactionary ideas, with the idea of creating other suggestions.
Is the price of car insurance getting unaffordable for the average motorist?
The companies put the blame on the “no win, no fee” lawyers who openly encourage drivers to make claims, many who do so fraudulently.
Could not the Government introduce measures so as to put a cap on premiums charged?
Or perhaps two separate policies could be introduced, one being for the vehicle and the other for personal insurance?
These suggestions have not been properly thought out, they are just hurried reactionary ideas, with the idea of creating other suggestions.
Answers
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For more on marking an answer as the "Best Answer", please visit our FAQ.well they could offer the option to opt out of the personal injury part but I don't know how much of the premium that would save and you run the risk of getting sued for genuine personal injury. I think young drivers add a lot as do uninsured drivers. To be fair though if you are sensible it's not that bad, I have a group 50 car and it's £501. Yes they do try and hike it up each year but I just move companies and my premium has actually got cheaper in 2 years. I have NCB in decades mind! They bike is ust over £100 for the R1, but then I never claim because they get it back in the premiums even with NCB protection.
More cars of the road would be a good thing - it means I would be able to get to work quicker :)
Seriously, make the driving test more difficult and raise the age limit to 21, maybe even 25. Make people retake their tests every 5 years and make the tests harder and include simple things like motorway driving!
If people are better drivers, there will be fewer accidents and lower premiums.
Seriously, make the driving test more difficult and raise the age limit to 21, maybe even 25. Make people retake their tests every 5 years and make the tests harder and include simple things like motorway driving!
If people are better drivers, there will be fewer accidents and lower premiums.
Unusually, I am forced to mostly agree with Vic, though not with retaking the test, some sort of assessment by all means but I doubt many experienced drivers would pass a test now.The problem is that drivers who pass the test have been taught parrot fashion to do what the examiner wants to see. Only later do they actually learn to drive. The first Mrs geezer did her test later in life and I remember the first time she gave me a lift, gawd I nearly sh1te myself at how dangerous it was!
The easy way to cut down on insurance costs is to take one of the recognised advanced driving tests, these are aimed at real life driving not the parrot fashion driving test as R1 has already mentioned.
As for the average motorist being priced out I think the express have had a knee jerk reaction to try and stir up a hornets nest. I have not met anyone who has had their premium increase by a grand.
Maybe it is the posh council estate I live in that keeps my insurance costs down!!! or the fact that I belong to the RIGHT CLASS of society!!!
As for the average motorist being priced out I think the express have had a knee jerk reaction to try and stir up a hornets nest. I have not met anyone who has had their premium increase by a grand.
Maybe it is the posh council estate I live in that keeps my insurance costs down!!! or the fact that I belong to the RIGHT CLASS of society!!!
Hey what the hell, I'm sure we'd get there eventually...
http://menmedia.co.uk...over_insurance_fraud_
http://menmedia.co.uk...over_insurance_fraud_
Good point HC - maybe every 15 years then - and R1 - not the current type of test, but the more advanced style test.
Or maybe just a retake required if you have an accident or you get points?
Again, something that most people will disagree with, but I support the use of average speed cameras everywhere - one of the very dangerous roads near me is only dangerous because people try to speed. If you stopped people speeding, you would stop a high proportion of the accidents.
Or maybe just a retake required if you have an accident or you get points?
Again, something that most people will disagree with, but I support the use of average speed cameras everywhere - one of the very dangerous roads near me is only dangerous because people try to speed. If you stopped people speeding, you would stop a high proportion of the accidents.
I had a car accident last week, hit by a lorry too close behind me. When contacting my insurance company they immediately said they would put me through to their legal people who will deal with personal injury claims - even though, thankfully I wasn't injured! I told them I didn't want them to, that I was shaken up but not badly hurt and I might feel better in the next few days. They said they would put it on hold then...and half an hour later I rec'd a call from their legal side (or another company acting for them) to deal with suing the other party!! I was fuming because it is has been said, these ambulance chasers pushing claims when some aren't needed. It never used to be like that years ago.. but now we have the sue culture, then everyone is jumping on the bandwagon. So IMO some of the car insurers are the worst for pushing you to claim compensation as it was in my case.
CL
CL
AOG you can already get personal accident insurance only, it is called "Road Traffic Act Insurance" however you will probably find it will cost just as much as "third party, fire & theft" or "comprehensive". Insurance companies see people who take out such forms of insurance as a higher risk as they are not bothered about their own vehicles and are therefore more liable to be involved in an accident and leave the scene if they think they can get away with it.
Just so the Express, are not the only one being accused for 'creating a knee jerk reaction and trying to stir up a hornets nest', I have included a similar link for all those who wish to read from their own particular politically biased news source.
http://tinyurl.com/6huewey
http://tinyurl.com/6huewey