Topic: News: Ban on using gender to rate insurance "ridiculous" (Read 3622 times)

Chip · « **Reply #40 on:** June 14, 2011, 14:37:10 PM »

Quote from: Sh!fty on June 14, 2011, 13:48:29 PM

The amount the insurer pays in total for the claim may be higher than what the claimant gets but it doesn't change the fact that they personally will be better off.

Unless you can stop over 50% of the false claims being made, insurance will inevitably get more and more expensive so why bother not claiming?

Thats the sort of mentality that leads to "well I had my hub caps stolen so there is nothing wrong with me going and stealing a set to replace them with" etc TBH

Its fraud, it costs us all a fortune and its wrong, yes its financially beneficial to the people making false claims, but then most thefts and over crimes are beneficial to the people committing them of course!

DanSE4 · « **Reply #41 on:** June 14, 2011, 15:17:18 PM »

A big problem is the "Ambulance Chasers" as Chip quite rightly puts it.

Very often the referral to a solicitor to make a personal injury claim comes straight from the "Legal Expenses" addition included with most insurance policies these days. In many cases the insured hadn't even consided making an injury claim but on the suggestion of it by one of these companies they will most likely go through with it.

There are of course those people who will immediately grab thier necks after a 5mph shunt & go straight down to A&E but the ambulance chasing companies are also very much to blame. I've had several calls on my mobile over the last few months which have started "Hello, I'm calling about the accident you've had recently................ ......." Wtf? That's a blatent numbers game until someone says "oh, you mean that shunt I had in the car last month" & then the sorry process of the injury claim begins.

I also believe that many people who are simply lured into doing so by these companies don't realize the long term costs & consequences, they likely feel quite thankful to the representitive who's clever wording made them feel like they are receiving something that they are entitled to & deserve.

Stop the ambulance chasers first, then concentrate on the complete fraudsters.

Bovva · « **Reply #42 on:** June 14, 2011, 16:58:34 PM »

Quote from: Chip on June 14, 2011, 14:37:10 PM

Thats the sort of mentality that leads to "well I had my hub caps stolen so there is nothing wrong with me going and stealing a set to replace them with" etc TBH

Its fraud, it costs us all a fortune and its wrong, yes its financially beneficial to the people making false claims, but then most thefts and over crimes are beneficial to the people committing them of course!

You can call it fraud all you want but the fact is that people get screwed by insurers year in year out and we all know it's not ALL down to false claims and uninsured drivers. The perfect example of this is with the men statistically paying more than women argument. It's the same as some people who fill their car up with fuel and drive off without paying intentionally, if fuel wasn't such a blatantly ridiculous price thanks to the government people would be less inclined to steal fuel. It doesn't make it right to do it but I can see why some people take the risk. The more deprived an area is the more likely the crime is higher in that area, people can often be pushed into doing things they don't necessarily agree with themselves.

I've already looked at rough prices for my renewal next year and even tho I'l have another years no claims, the price is still the same! Where's the incentive by insurers to not make you claim? Some people will claim no matter how expensive or cheap their policy is but for the moral people out there they are more likely to turn down a whiplash claim opportunity if their policy wasn't so bloody expensive!

All I'm saying is that as much as I don't like people who make false claims but I can see why they may be tempted, especially nowadays when the cost of living is so high.

Chip · « **Reply #43 on:** June 14, 2011, 17:08:09 PM »

Nonsense, the insurance companies are mainly losing money, they arent screwing anyone they are just trying to keep their head above water which is why they keep putitng prices up to try and make up for the increased claims.

Insurance isnt expensive, the fact they are losing money in the main proves it is actually too cheap!

None of us like paying it, but that doesnt make it bad value!

The people screwing us are the ambulance chasers who are making massive profits out of our insurance payments and we get nothing useful from them in return.

barrachops · « **Reply #44 on:** June 14, 2011, 17:20:29 PM »

The main problem is not people making exaggerated claims of injury after being in a genuine accident, it is the organised gangs that go out and deliberately cause accidents with unsuspecting members of the public or who set up accidents in order to make big claims for personal injury, I know one such man formally from Iraq (big surprise I know) who has made a fortune from doing exactly that

RipperRoo · « **Reply #45 on:** June 16, 2011, 16:59:07 PM »

^^Thats hit the nail on the head, some lads who have trouble getting insured on decent cars and hop from Metro to metro, often do it, to get some return on an otherwise shagged car. Slam on in front of any driver who gets to close, oh look here's a taxi driver in his vectra tail gating us. BANG! Money.

I had an experience where I had bump in my Seat Ibiza years ago, it was about 4mph. It didn't even wake a sleeping baby in the back, the couple were middle aged, and assured me there was no harm done to the car, or them. Cool. Seemed genuine.
Few weeks later, Churchill letter drops through the door, and it's them two Werthers Original sucking, Fair Isle jumper wearing, model yacht painting silvertopped old biddys making whiplash claims. Bastards. They were blatantly fine at the scene, they just hate young people. That's what happens when Hip-Hop meets Hip-Op

Bovva · « **Reply #46 on:** June 16, 2011, 17:59:27 PM »

^^^Funny reply

Bit hard to take insurers seriously when you look at their pre tax profits

RipperRoo · « **Reply #47 on:** June 17, 2011, 15:54:13 PM »

I'm only ever slightly amusing when angry, any othertime i'm the guy who just smiles politely

Insurance, the whole thing is corrupt.

c20t · « **Reply #48 on:** June 21, 2011, 14:19:21 PM »

for the insurance company losing money its not as black and white as it seems, i think the main underwriter for the UK is Barclay's, not the bank by the way they are 2 dif company's. barclays have to store cash if that's the right term for all the insurance business an they have lost money but its not all down to insurance fraud from the drive in front an slam on freaks as they don't even really scratch the surface.

the main loses that they have hit them is infact the volcano last year and European airspace shuttin down for how many weeks it was, the earthquakes japan and Mexico i think it was not to mention the tsunamis. barclays underwrite for most the company's that offer insurance for insurance company's that we the general public and large coperations and business's deal with. so they take the huge hit and raise there premiums to the insurance company's to under write them.

yet its not all down to the underwriters like barclays, you just have to see how one quotation from one comany to another quote from someone else can vary by something stupid like .?1000 to sit there an think how the hell do they get these figures. i honestly believe that its a basic case of the company sits there an goes what is the most we can get out of them before they refuse to pay.

we do not have an option on if we have insurance and as such we are litterally blackmailed into these high prices in a time where most people including myself have to scrimp and save for most things in live and every penny counts yet are extorted by insurance and fuel company's and don't get me started on the government and what can we do about it, not a damn thing.

tommygards · « **Reply #49 on:** June 21, 2011, 20:46:14 PM »

isn't the whole 'everyone should be equal in everything' idea, the way in which we are heading, the foundation of what is formally known as 'communism'?

Chip · « **Reply #50 on:** June 22, 2011, 09:55:32 AM »

Quote from: tommygards on June 21, 2011, 20:46:14 PM

isn't the whole 'everyone should be equal in everything' idea, the way in which we are heading, the foundation of what is formally known as 'communism'?

Lol

Bit more to it than that, but we only seem to want to copy the bad bits of it.

crazylady · « **Reply #51 on:** August 07, 2011, 20:52:39 PM »

my dad, his wife and i had the admiral insurance of muliti car.... cheap first year then went up by 600 pound for second year!!!! all done seperate insurance and mine on a 2.0l 16v calibra at34 turned outn cheaper then a 65 year old driving a suzuki sx4!!!!!! i will gladly say try compare the market and go through endsleigh insurance!!!! cant beat there prices... where i live lots peps boy racing it around and they 50 50 of the time dont cause the accidents... 50 50n of the time it not women that cause them either.....

chaz · « **Reply #52 on:** August 08, 2011, 18:29:45 PM »

^^^^is this english?

Bovva · « **Reply #53 on:** August 08, 2011, 18:35:50 PM »

Quote from: chaz on August 08, 2011, 18:29:45 PM

^^^^is this english?

Would you know if it was you Scottish b*stard?

chaz · « **Reply #54 on:** August 08, 2011, 18:40:38 PM »

Quote from: Sh!fty on August 08, 2011, 18:35:50 PM

Would you know if it was you Scottish b*stard?

lmao away an bile yer heed ya cnt

Bovva · « **Reply #55 on:** August 08, 2011, 18:44:19 PM »

Quote from: chaz on August 08, 2011, 18:40:38 PM

lmao away an bile yer heed ya cnt

lol you haggis eating fart collector

I understood that but we ENGLISH are intellectually superior so it's no surpise

chaz · « **Reply #56 on:** August 08, 2011, 18:51:14 PM »

get that right mate

a haggis,black puddin irn bru drinkin fart collector

a dinny ken ye canny git onythin rite kin ye

Bovva · « **Reply #57 on:** August 08, 2011, 18:54:54 PM »

lol Chaz, go f*ck yourself you ginger prick

To keep this slightly on topic, been looking up quotes on "gocompare" recently for random cars and noticed an insurer I've never heard of called "XK services" or something very similar to that, they have quoted me cheaper than everyone no matter which car I've asked for the quote on?

Any ideas if they're any good?

seems abit too good to be true in this day and age when insurers are happy to arse f*ck you on the price and blame those big bad uninsured drivers

tommygards · « **Reply #58 on:** August 08, 2011, 19:44:37 PM »

Quote from: Sh!fty on August 08, 2011, 18:54:54 PM

lol Chaz, go f*ck yourself you ginger prick

To keep this slightly on topic, been looking up quotes on "gocompare" recently for random cars and noticed an insurer I've never heard of called "XK services" or something very similar to that, they have quoted me cheaper than everyone no matter which car I've asked for the quote on? Any ideas if they're any good?

seems abit too good to be true in this day and age when insurers are happy to arse f*ck you on the price and blame those big bad uninsured drivers

as its you it probably actually says 'KY services', only available for GAYS

Bovva · « **Reply #59 on:** August 09, 2011, 08:22:53 AM »

Quote from: tommygards on August 08, 2011, 19:44:37 PM

as its you it probably actually says 'KY services', only available for GAYS

Do you want me to get you a quote then?

Author Topic: News: Ban on using gender to rate insurance "ridiculous" (Read 3622 times)

Bovva

barrachops

Bovva

chaz

Bovva

chaz

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chaz

Bovva

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