****ing Insurance Companies...

[Sonic]

I think it's more the 3rd party liability nowadays. With injury claims etc. the cost of replacing a £1k or £10k car is minor comapred to a £100k personal injury claim etc.

Yeah that's my take on it as well.

We're doing a good job of taking on the "if there's a blame, there's a claim!" attitude.

[Dan]

[Rusty]

[Sonic]

[BrianSmith_S2]

Classic

[S2central.net]

A well placed google-ad... most amusing.

[skyinsurance]

A well placed google-ad... most amusing.

Tickled me too!

[bunyoch]

Aye weeel -- takes masell back tae when ye could get --" individual driver assesment " frae the insurance companies - then ye paid accordin tae yer abilities wi the bonnie beasties - 1960's/early 70's in ma case ( ie. your record o sunny side up an oily side doon) ! ----------- BUT jist be VERY aware o the current situation o hire cars in the United States -- different requiremnts in each state -- esp 3rd party cover which is severly limited in the hire agreement -- ye dont even need tae cross e state border - read the wee print o whit ye were aboot tae sign or leave yer mark oan , an jist keech yersell ! !

[S2central.net]

We truly are an international bunch on here...

<headband>

I dinny 'stand a word o that...

ahh will tell ye this - yi can shove yir car surance up yer jaxxi - by the way

</headband>

[KaraK]

I had fun this year - despite me turning 29 and not claiming in that year Direct Line decided I warranted an increase of ~£500 on my premium. This would have put the insurance up to above what it was when I first bought a scooby at age 21, insured with - you guessed it: Direct Line.

I pretty much told them to go fornicate themselves and moved to Admiral who did me BOTH cars for about £100 a year more than I was paying last year for just the scooby!

[Ross]

Today I bought a classic car policy with Lancaster for £567, loved ticking some mods boxes and seeing the premium NOT go up

SDP&C, no NCB required, just 3 years of driving with no more than one claim and max 2 tickets on your license qualifies, 7,500mile limit.

That's only £100 more that my Gold TDi with 8,000 limit in stock form For once, I feel like I am getting a fair deal!!

[Dan]

loved ticking some mods boxes and seeing the premium NOT go up

Yeah, I do that and it stops giving me a quote altogether...

[Rusty]

Move somewhere other than Leeds and your plight should be somewhat easier!

[Dan]

Move somewhere other than Leeds and your plight should be somewhat easier!

Yeah, you're telling me!

Pretty much every quote I run halves if I enter my parents' rural Lincolnshire postcode. Sonic's is pretty cheap, too (b*d ).

Since the effect is the same for 3rd party only as much as full comp, I'm guessing the logic is just that (higher population denisity) == (more other people to drive into) == (increased risk)? ie. it's not just to do with the car being stolen.

I also know my postcode isn't the worst though - I'm in a fairly good part of outer Leeds. Try running a theoretical quote for some dodgy inner city areas

All that said, I'm not going to move house just for car insurance. I'm just fortunate that I'm in a position where I can pay for it - although I'm still not gonna do so with a smile