Middle-class workers who 'manipulate' price comparison sites to get cheap insurance..

[NibblyPig]

Insurance renewal should be coming up soon, presumably when stating where your car is kept, there's an option for 'don't know where my chauffeur keeps it'?

[AtW]

there's an option for 'don't know where my chauffeur keeps it'?

[AtW]

Insurance companies are in business to make money. Offering a "No Claims Bonus" only on one car makes them money QED

Insurance companies are supposed to be doing it by pricing risk - NCB should apply to the driver who can't (with exception of threaded) drive two cars at the same time...

[SueEllen]

Insurance companies are supposed to be doing it by pricing risk - NCB should apply to the driver who can't (with exception of threaded) drive two cars at the same time...

You need to remember that "Third party" insurance only insures other vehicles and provides public liability. Every other type of insurance also covers the vehicle the driver is driving.

The people who take out Third party only insurance tend to be the most risky drivers who also live in dodgy areas, so this is to stop them insuring a Nissan Micra and then driving a Ferrari as their main car. If you with a comprehensive policy drive allowing you to drive other cars, drive your friend's Ferrari with their permission then it's very unlikely you will crash it.

[AtW]

You need to remember that "Third party" insurance

Yes, but it's got nothing to do with NCB only counted for 1 car, say I had 2 cars, only named driver, could not drive more than 1 at a time, one worth X and the other was worthless, surely my risk of crashing was the worst of all on powerful motor that was worth X???

This NCB is a lot of bull - some companies give "accelerated" NCB, wtf? If anything it's the number of miles driven safely that should be taken into account, perhaps with distinction of motorway and city miles.

[original PM]

I love how it is aimed at 'the middle classes' like they should know better - it is only working class people who defraud the system.

hmpf

absolute rot - everyone defrauds the system a little by stretching the truth and want to know why?

- why does your insurance go up every year - if I stay with the same insurer for more than a year I will end up being charged about £60-£100 more than if I more to a new insurer.

So if those insurance companies are assuming most people are lazy and will not shop around then that is why we assume it is okay to be lazy and not quite check you ticked the parked on drive instead of parked on road box