Your car Insurance.

[TWR]

Do you think that this is a complete rip off? the variation in prices from company to company, what they try to pay you IF you have had a bump etc, your Access, what the point in paying for your Insurance when you have got to start with this ( Access) not a moan but a comment.

[ummmm]

My excess is £100.

[gingejbee]

Why do some people regard *everything* they have to pay for as a "rip-off"? And "variation in prices" - applies to everything, doesn't it? eg you can spend 20p or 75p on one can of baked beans - how's that for price variation?

[flip_flop]

Exactly what gingejbee said.

There are price variations in every single product available. Insurance is no different.

[TWR]

I was refering to Insurance only, do you spend 300 on a can of beans?

[erin-x]

Most insurers allow you to adjust the excess as well. For example my policy included compulsory excess so I changed my voluntary excess to nothing. For some reason, this resulted in my quote being lowered. That's the great thing about comparision sites, you can fiddle about with what you want to see what's on offer.

[EvianBaby]

No, I don't feel I'm being ripped off.

I have a modest car, I drive sensibly (thus so far avoiding any accidents) and I know that should I ever be unfortunate to be involved in an accident that renders my car uselss, I've effectively already paid for it to be repaired/replaced.

What would you suggest is a reasonable price to pay?

[flip_flop]

The Baked Bean analogy is sound.

One insurance company may quote you £300, another £600 and another £1,000.

So what?

If faced with the above, we'd all go with the cheapest one.

Different insurers have different underwriting criteria which produces different quotations for the same risk.

I don't see the point you are trying to make.

[EcclesCake]

Car, home contents and building insurance are the only policies I consider necessary. They are the ones you really appreciate having when it all goes Pete Tong. But with everything in life it pays to shop around....and to read the small print.

I did smile when I had bought a relatively cheap pair of gold earrings and the salesman asked me if I wanted insurance, the policy was about 2/3 of the purchase price!

[erin-x]

Some companies quote so high because they DON'T want your business. Especially for younger drivers.

[ummmm]

M&S quoted me over £1,000. 18 years driving, no claims, and a a Ford KA.

[erin-x]

My first car insurance was £1100 (cheapest quote) and by April last year (my second insurance) it had halfed!

[ummmm]

Yeah...but you're still a baby :-)

[TWR]

The way you drive Evian is one way, the CC of the car, to change your Insurance with the same comp & their charges, I do use comparison site as we all do, ( I think) I was Quoted when I was with the the Bulldog group!! to M.S. 150 Less by M.S. so who is taking the Izz here? do you not think you should pay on your experience & no accidents? I think we should.

[Toureman]

Your last post makes as much sense as this one, If you want something you have to pay for it !

[TWR]

Do you not think I know that Toureman.