Car Insurance

[TWR]

Article in the Mirror this morning regards Car Insurance, are us old farts getting ripped off with prices? are the young getting robbed with what they pay, I have seen the way some of them drive, but they all can not be tied with the same brush.

[Zacs-Master]

Yes and I've seen the way some old people drive too! BTW it's 'tarred' with the same brush.

[hc4361]

Some accidents can literally cost an insurance company millions when legal bills for all parties are added up.

I think it is time that whiplash became an accepted risk for all drivers and passengers, including on buses and coaches, so that nobody can claim for it. I know that whiplash can be very painful for months but it is just too easy to fake.

[Baldric]

At the moment no I don't think so, Wife and I are in our 60's both got clean records, Full NCB and no Points, we have 3 motors between us, a 4x4, a BMW320 and I usually drive an Octavia VRS Estate, they're all on seperate policies, all insured, fully comp. for either driver and the total premiums for the year are £758, which averages just over £250 per car. I have no problem with that. We've looked at Multi car policies but our broker normally gets us the best deal/cover with seperate one.

[derekpara]

Zacs: ' Yes, and I've seen the way some old people drive, too !'

I know you haven't tarred ALL old people with the same brush (!) but your comment is as offensive as if you were referring to black or Chinese drivers.

I am 82 and have been driving for 60 years. I passed the IAM test four years ago and have a Silver pass grade for the Rospa test, which has to be taken every year, and I look forward to it as a means of regular high standard assessment.

As regards the question, I think we are all paying for the whiplash scams highlighted by hc4361.

D

[bednobs]

hat about middle aged drivers?

how mny times can you recycle the same question?

http://www.theanswerbank.co.uk/search/?q1=twr+insurance

[Zacs-Master]

Derek dear boy, you'll have noticed the word 'some' in my post. Well done on the IAM thing. I was a member for 20 years.

[TWR]

Did I force you to reply Beds?

[ummmm]

I think car insurance for the over 25's is fairly reasonable.

Like hc says....it costs a lot of money when accidents do happen.

[EDDIE51]

The main cost for insurance is the possible payouts for personal injury claims,which can be in the £100,000s or even £millions.
This makes car repair costs insignificant by comparison.

[Zacs-Master]

If you are being 'ripped off' it's probably due to drivers abusing the system:
http://www.theguardian.com/money/2015/aug/10/esure-sheilas-wheels-raise-premiums-motor-insurance-profits-fall