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

[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

[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.

[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]

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...

[AtW]

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

[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'?

[SueEllen]

I think you only have to state where it is 'usually' kept...?

Nope.

If you say you park it in a garage it needs to be there. Every where else they give you leeway.

[LondonManc]

I knew a permie consultant who used to buy a new Ka every three years with his company car allowance. Probably one of the things that put me off consulting as an option probably.

[Dactylion]

Can anybody explain me why No Claims Bonus only valid for 1 car???

Insurance companies are in business to make money.

Offering a "No Claims Bonus" only on one car makes them money QED

[AtW]

Just because you're an admin doesn't mean I can't *think* you're a complete shirt front (I'm getting the hand of this Cockney rhyming slang).

[northernladuk]

Just because you're an admin doesn't mean I can't *think* you're a complete shirt front (I'm getting the hand of this Cockney rhyming slang).

Also known as swear filter avoidance by the mods...

[LondonManc]

Your P reg Ford Ka is safe either way ...

Just because you're an admin doesn't mean I can't *think* you're a complete shirt front (I'm getting the hand of this Cockney rhyming slang).

[d000hg]

That's fine until the car gets stolen using your keys and the garage has a lock/remote that hasn't been touched....

I think you only have to state where it is 'usually' kept...?

[AtW]

Live in a leafy Manchester suburb, park car on street at night. Work in London, park car in a secure underground car park in East London during the week. No idea which would work out cheaper but went with home address.

Your P reg Ford Ka is safe either way ...

[LondonManc]

Live in a leafy Manchester suburb, park car on street at night. Work in London, park car in a secure underground car park in East London during the week. No idea which would work out cheaper but went with home address.