69 replies to this topic

[me madjoe 90]

Insurance should be based on type of car engine size posibly fuel consumption in relation too that engines economicly driven fuel consumption for that perticular vehical this would say if your a relativly safe drive to drive economicly you realy have to drive quite safely. Altho this doesnt rule out the stupid manuvers people can do and the lack of indection but this is what the insurers are gambleing on. and if you drive slowly 'economicly' you should have time to stop in a bad sitiuation with cars brakeing systems and all other safty systems and so on nowerdays.

Maby should be based on where you live in realation to the level of sucurity of the car.

It most definatly should not be based on the age,sex, race or any other thing or even the person.

Driving test should have to be re-taken every 10 ish years an insurer should be notifyed if you fail this and have to re take it.

Insurance companys should imediatly pay out when a clame is putin in with littel riggeling there way out of it or bargening. They agreed to insure they gammbeled they lost an loose there money.

Insurance shouldent be a high a price for young drivers they have more than enougth experiance in the first week of driving. It should be based on the value of the car and the above mentiond factors and should stay the same for that car for every one age group depedant on the few above factors.

[twrminisport]

End of the day. Insurance companies will either just raise premiums for women in which case they win
Or they will just show the figures. End of the day 17yr old lad is more likely to have a crash. A 17yr old girl os 3 times more likely to die in the passenger seat of a guys car than driving her own. When they show the statistics its justified at the end of the day

[Tealer]

Damn....... There goes my plan of having "The snip".

[Carlos W]

Insurance shouldent be a high a price for young drivers they have more than enougth experiance in the first week of driving.

Can you explain what you mean by this?

[tomgale]

the problem is, for someone my age, if you drive uninsured, and have on average one crash a year, as long as that crash costs you less than £2000 then its cheaper to be uninsured. (unless you drive a mini and have insurace premiums les than half most peoples )

[Jacko-lah]

What do you think?

So if this goes through the "equality" of it doesn't mean that men get to pay the same low rates as women, no it simply means that women would get to pay the same higher rates as men!!.... Great!! .....So women end up paying more and if like in many households, as the male you are also the main wage earner, then you also end up paying more too for the overall family insurance bill!! .... So who wins out of this situation then exactly??.... Oh yes, that would be the insurer!!.... How very predictable!!

The insurance companies won't fight this ruling because it allows a period of 3 or 4 years utter confusion, when men won't be charged much less but women will be charged extortionate amounts. Anyone who just accepts the premium offered (1/3 of people) will be screwed. And don't worry the websites will have sophisticated software tracking quotes under 2 different genders.

[tomgale]

dp, my bad...

Edited by tomgale, 01 March 2011 - 07:11 PM.

[Jacko-lah]

End of the day. Insurance companies will either just raise premiums for women in which case they win
Or they will just show the figures. End of the day 17yr old lad is more likely to have a crash. A 17yr old girl os 3 times more likely to die in the passenger seat of a guys car than driving her own. When they show the statistics its justified at the end of the day

And a family man is likely to do 90% of the shared driving, so is still more likely to have an accident, despite being safer PER mile travelled. (I estimate that my 5 accidents in over 21 years at 20K miles per year compares well with my wifes 2 accidents when averaging about 4K a year)

[Merlin-Mini]

I am quite glad that this is happening in a way.. as a young man my insurance premium is quite alot and i cannot understand why. as many on here i treat my car as a living thing and i wouldnt want to hurt her. im so concious of the size of my car compared to other vehicles i often find myself driving slower than the rest of the traffic. I have had 1 accident and two close calls.. two of these were invlolving women. the accident was caused by a woman not looking were she was going on a round about and i got slammed into damaging my front arch and wheel. the second incident involving a woman happened on a cross roads 2 miles from my house. my right of way and she didnt stop but luckily i saw her coming and managed to anchor up. she just drove off as if nothing had happened. the last one was caused by a builder in a rush who almost missed his junction on the motorway cutting right infront of me.. people may think im sexist for saying this but i personally think women are more dangerous on the road. i say this because of personal experience.

Rich

[me madjoe 90]

Insurance shouldent be a high a price for young drivers they have more than enougth experiance in the first week of driving.

Can you explain what you mean by this?

What i mean is after lessons and so on all the expreiance needed is gaind from the lessons and the first week of driving without an instructor. After that everything is commen sence crashes happen from people not thinking and being destracted or not having commmen sence, since commen sence is nolonger a commen thing.

Such as commen sence like this comming round a blind corner your mind should emideatly expect the un expected, like a truck reversing so on, all you have to do is be ready to avoid this and not accelerte hard out of the bend ect...

And expecting every one else to do the wrong things which they often do. I feel i learn most of this in the first two driving lessons i had, i feel verry aware of my suroundings and so on. Being able to drive a car and contol it is not what the lessons are for this is relativly easy and can be imroved upon as you go along . Its being able to do this while concentraiting all you attention on being aware that everything around you is changing and moving at differnt speeds and you have to drive factoring this in.

Its not hard i find music is a distraction and rairly listen to it.

Before i did lessons i had driven on private land and it was compleatly differnt to driving on the road. All i had to think about was the actual driving and the fun of it.
To be honist i dont realy rember much of my driving journys or think about what im doing like changing gears and steering and so on this all comes naturaly , I Just rember all the things i noticed and all the things around me and the constanly moving hazzerds and the fact that i am also a constantly moving hazzerd...

[Jacko-lah]

Insurance shouldent be a high a price for young drivers they have more than enougth experiance in the first week of driving.

Can you explain what you mean by this?

What i mean is after lessons and so on all the expreiance needed is gaind from the lessons and the first week of driving without an instructor. After that everything is commen sence crashes happen from people not thinking and being destracted or not having commmen sence, since commen sence is nolonger a commen thing.

Such as commen sence like this comming round a blind corner your mind should emideatly expect the un expected, like a truck reversing so on, all you have to do is be ready to avoid this and not accelerte hard out of the bend ect...

And expecting every one else to do the wrong things which they often do. I feel i learn most of this in the first two driving lessons i had, i feel verry aware of my suroundings and so on. Being able to drive a car and contol it is not what the lessons are for this is relativly easy and can be imroved upon as you go along . Its being able to do this while concentraiting all you attention on being aware that everything around you is changing and moving at differnt speeds and you have to drive factoring this in.

Its not hard i find music is a distraction and rairly listen to it.

Before i did lessons i had driven on private land and it was compleatly differnt to driving on the road. All i had to think about was the actual driving and the fun of it.
To be honist i dont realy rember much of my driving journys or think about what im doing like changing gears and steering and so on this all comes naturaly , I Just rember all the things i noticed and all the things around me and the constanly moving hazzerds and the fact that i am also a constantly moving hazzerd...

I'm the spell checking police and These are your words, which you must learn for homework and be tested this time next week:


Common Sense Coming around immediately unexpected accelerate etc. everyone very control improved It's concentrating your different rarely honest don't really remember hazards

That's 20 plus words so you might like to learn 4 a day and take the weekend off.

LOL I actually know what you were trying to say. All my accidents have been related to taking my mind off the job in hand (or being really tired)

[me madjoe 90]

I\'m the spell checking police and These are your words, which you must learn for homework and be tested this time next week:


Common Sense Coming around immediately unexpected accelerate etc. everyone very control improved It\'s concentrating your different rarely honest don\'t really remember hazards

That\'s 20 plus words so you might like to learn 4 a day and take the weekend off.

LOL I actually know what you were trying to say. All my accidents have been related to taking my mind off the job in hand (or being really tired)

Cheers I apritiate that but as you can see you understood it so thats all that matters. I cannot spell well but im better than most in other areas just the way i am. I struggell at maths and english, i read throught it but it looks like its right in my head as i read it.

Copying words out over and over again dident work in school. But some how in all my other subjects i was great A/Bs and now Distinctions on my collage course but i have re-taken english and maths exams still get Ds no matter how much effort i put in trying to learn stuff.

Now back to the thread in hand.

Edited by me madjoe 90, 01 March 2011 - 08:22 PM.

[SolarB]

Insurance shouldent be a high a price for young drivers they have more than enougth experiance in the first week of driving.

No offence, but...........................................................

The best of luck for your future driving career.

[daveholman]

Surely a better way of doing this would be to introduce more mileage related policies. I'm a male who's just turned 30 so have spent the past 11 years paying increased premiums. However, for four of the past six years I've been doing upwards of 45,000 miles a year with work and as such I feel that my insurance premium quite rightly reflects the fact that I'm on the road for an awful lot of time and as such probably am more likely to have an accident.

I argued this with my mate today. She is 11 months older than me and has been driving for about twelve months less than me so we're pretty much the same age and ahev about the same number of years driving behind us. In the past six years I have had 4 accidents (two not my fault, one my fault but the other party wasn't insured and one not reported cause there was little damage) whereas she has had none. The way I tried to explain it though is that in that time I've done as near as damn it 200,000 miles whereas she has done about 40,000 (her car is one today and has just less than 8,000 on the clock). This means that my average mileage per accident has been 50,000 (ish) miles so she is still 10,000 miles behind that so we could technically have an accident after doing the same number of miles but because I reach this mileage quicker I have accidents more frequently.

The fact is that if you had two 17 year old lads, one of whom did very few miles and the other who did a lot of miles, regardless of their skill as a driver the one who did the most miles is more likely to be involved in an accident cause they spend more time in a situation where accidents could happen. At the end of the day you can't have a car accident sat at home playing Call of Duty.

[Carlos W]

Insurance shouldent be a high a price for young drivers they have more than enougth experiance in the first week of driving.

No offence, but...........................................................

The best of luck for your future driving career.

I passed my test in 1999 and I thought I was the best driver in the world!

A few years on, and I've realised I'm not!

Someone told me you start to learn to drive when you pass your test, and you never stop learning!

I've never had an crash that has been my fault, but I had one last year which wouldn't have been as bad if I was driving further away from the van in front of me (I only just missed the van, then someone crashed into me pushing me into it)

Insurance has to be based on statistics, if young men are a greater risk group they should pay more!

Or they should get a percentage of their premium back if they don't claim!