Car insurance and their random craziness

M

mr.tourette

Veteran
 north wales
I was very happy although somewhat confused insuring the Cayman as it being twice as valuable in the event of total loss and it being much quicker than my e89 23i it still was £80 a year cheaper, but of all the oddities that are mentioned by members going through the annual insurance rigmarole and the crazy reasons for increases or decreases this one I found the most amusing.. I've just got my new V5 so have gone to put on my private plate and apparently this entitles me to a 46p refund :D how and why this makes sense is beyond me but it did make chuckle at the sheer stupidity of how these companies work :lol:
 

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mr.tourette said:
I've just got my new V5 so have gone to put on my private plate and apparently this entitles me to a 46p refund
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Has your PP got less digits? It may be that it takes them less time to type it in so is cheaper... :lol: :lol:
 
Pondrew said:
mr.tourette said:
I've just got my new V5 so have gone to put on my private plate and apparently this entitles me to a 46p refund
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Has your PP got less digits? It may be that it takes them less time to type it in so is cheaper... :lol: :lol:
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That must be it mate :rofl:
 
I added business cover to my wife’s mini which added zero cost but also bought the on price down on my F11, work that one out.
 
srhutch said:
I added business cover to my wife’s mini which added zero cost but also bought the on price down on my F11, work that one out.
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No idea mate, but apparently to someone somewhere that is employed to do this stuff it apparently makes complete sense :lol:
 
They are crazy, I had an Elise 115bhp and paid £500 a year, if I purchased a 111r with 160bhp it was £350 and the reason, there are less of them available soles likely to get stolen.

DUH, how would a thief know the difference in the dark and in that case a Koenigsegg must £30 to insure
 
Changed my wife’s job title from FD to company secretary. Refund of £47
 
Ole gits rule said:
They are crazy, I had an Elise 115bhp and paid £500 a year, if I purchased a 111r with 160bhp it was £350 and the reason, there are less of them available soles likely to get stolen.

DUH, how would a thief know the difference in the dark and in that case a Koenigsegg must £30 to insure
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Same when I went from a 2.5si to the ///M, policy dropped by 20%

Also bought two Fiat 500s this year for twin daughters, ones a Lounge and the other a Sport. Both 1.2 manual with 69bhp and daughters obviously identical details. One costs £110 to ensure and the other £170.

The sport is the cheapest though (insurance group less) and I’m guessing it’s because there are a lot less of them around so get crashed a lot less by young drivers.
 
Insurance premiums don't make sense to me either these days.

My M is cheaper to insure than my 3.0Sis were - still I'm not complaining!
 
Pondrew said:
pvr said:
So who was your favourite daughter then who got the better car?
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Damn. Beat me to that one. :thumbsup:
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I have a good idea who has the sport, I bet it is the one that joins Steve on car runs :evil:
 
Mr Tidy said:
Insurance premiums don't make sense to me either these days.
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And weren't you in the industry for 65 years? It must be bad.
 
srhutch said:
Ole gits rule said:
They are crazy, I had an Elise 115bhp and paid £500 a year, if I purchased a 111r with 160bhp it was £350 and the reason, there are less of them available soles likely to get stolen.

DUH, how would a thief know the difference in the dark and in that case a Koenigsegg must £30 to insure
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Same when I went from a 2.5si to the ///M, policy dropped by 20%

Also bought two Fiat 500s this year for twin daughters, ones a Lounge and the other a Sport. Both 1.2 manual with 69bhp and daughters obviously identical details. One costs £110 to ensure and the other £170.

The sport is the cheapest though (insurance group less) and I’m guessing it’s because there are a lot less of them around so get crashed a lot less by young drivers.
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Yes that will be the reason, makes zero sense to me, I think they make it up as they go :headbang:
 
Pondrew said:
And weren't you in the industry for 65 years? It must be bad.
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Cheeky bugger - I haven't been around that long yet! :P
 
I have a friend (yes I know) who works for one of the big insurance companies (BGL). Her job is to input claims data into a computer system. That is all she does, along with tens of other people. The massive computer then deciphers the information into risk criteria and hence premiums.
The humans just feed the machine, the machine makes the decisions. Classic case of "computer says no". No wonder it's all a bit random.
 
Pondrew said:
I have a friend (yes I know) who works for one of the big insurance companies (BGL). Her job is to input claims data into a computer system. That is all she does, along with tens of other people. The massive computer then deciphers the information into risk criteria and hence premiums.
The humans just feed the machine, the machine makes the decisions. Classic case of "computer says no". No wonder it's all a bit random.
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The program the computer is using to decipher the info was still programmed by a human though
 
mr.tourette said:
Well my 46p landed in my account today.. thanks Churchill you daft fckers
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Drinks on you then Steve...mine's a pint of heavy :thumbsup:
 
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