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OT:(possibly) Insurance Scam
Cars Modifications Aspects of car modifications (tuning, styling) (uk.rec.cars.modifications)
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#1
 
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OT:(possibly) Insurance Scam -
05-17-2004
, 12:56 PM
#2
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Why do Insurance companies charge me more for fitting items that don't make a sod of difference to the cars power or the way I drive it but simply make it safer. I've fitted grooved cross drilled brakes and performance pads and braided hoses. Lowered uprated suspension and wider lower profile tyres. Shouldn't the premium be significantly reduced. I asked for some proper technical or statistical evidence to show that the increased premium was justifiable and as you might expect was just fobbed off. I thought insurance was based on rational risk assessment backed by figures not some tosser deciding to punish anyone who steps outside the norm. So is it as I suspect just some wanker in the back office deciding to take advantage of the fact that insurance firms have drivers by the nads and can squeeze whenever they feel like it? FFS it's highway robbery. |
make use of them was one excuse I heard so I asked what I would save if I
downgraded to classic beetle drums all round and they said they would have to up
the premium as the car wouldn't be a safe if the breaks weren't as good, they
would use the same arguments with the suspicion. Probably one of the best
insurance claims is body kits make cars more appealing to thieves, what even
Novadose ones? Insurance companies exist for one reason and one reason only to
make money and they will do it however they can.
#3
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Why do Insurance companies charge me more for fitting items that don't make a sod of difference to the cars power or the way I drive it but simply make it safer. I've fitted grooved cross drilled brakes and performance pads and braided hoses. Lowered uprated suspension and wider lower profile tyres. Shouldn't the premium be significantly reduced. I asked for some proper technical or statistical evidence to show that the increased premium was justifiable and as you might expect was just fobbed off. I thought insurance was based on rational risk assessment backed by figures not some tosser deciding to punish anyone who steps outside the norm. So is it as I suspect just some wanker in the back office deciding to take advantage of the fact that insurance firms have drivers by the nads and can squeeze whenever they feel like it? FFS it's highway robbery. |
but...
To be fair, a lot of the time when people put bigger wheels on, lower their
cars and (to a lesser extent I suppose) put shiny performance brake
components on, it means they are driving like a twat more of the time and
are a higher risk. It can also draw attention to the car, meaning that
pikey bastards are more likely to steal it, crash it and burn it.
The bums that answer the phones at insurance companies dont have access to
the risk assessment statistics, but I can almost guaruntee statistically you
are now a higher risk because of people that have made similar mods that
have still managed to prang their cars.
Just, erm be thankful now you've told them that they are more likely to pay
out if you do have an accident, as they won't be able to say you had
undeclared mods.
Douglas
#4
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Why do Insurance companies charge me more for fitting items that don't make a sod of difference to the cars power or the way I drive it but simply make it safer. I've fitted grooved cross drilled brakes and performance pads and braided hoses. Lowered uprated suspension and wider lower profile tyres. Shouldn't the premium be significantly reduced. I asked for some proper technical or statistical evidence to show that the increased premium was justifiable and as you might expect was just fobbed off. I thought insurance was based on rational risk assessment backed by figures not some tosser deciding to punish anyone who steps outside the norm. So is it as I suspect just some wanker in the back office deciding to take advantage of the fact that insurance firms have drivers by the nads and can squeeze whenever they feel like it? FFS it's highway robbery. |
when i fitted Green Stuff's i didn't bother, as i only really changed them
cos the Greens were cheaper.
--
Dan
#5
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#6
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"Johnny" <repro007 (AT) hotmail (DOT) com> wrote in message news:2gs943F67pc4U1 (AT) uni-berlin (DOT) de... Why do Insurance companies charge me more for fitting items that don't make a sod of difference to the cars power or the way I drive it but simply make it safer. I've fitted grooved cross drilled brakes and performance pads and braided hoses. Lowered uprated suspension and wider lower profile tyres. Shouldn't the premium be significantly reduced. I asked for some proper technical or statistical evidence to show that the increased premium was justifiable and as you might expect was just fobbed off. I thought insurance was based on rational risk assessment backed by figures not some tosser deciding to punish anyone who steps outside the norm. So is it as I suspect just some wanker in the back office deciding to take advantage of the fact that insurance firms have drivers by the nads and can squeeze whenever they feel like it? FFS it's highway robbery. Now, I'm not accusing anyone here of being a burbery toting chav-muppet but... To be fair, a lot of the time when people put bigger wheels on, lower their cars and (to a lesser extent I suppose) put shiny performance brake components on, it means they are driving like a twat more of the time and are a higher risk. It can also draw attention to the car, meaning that pikey bastards are more likely to steal it, crash it and burn it. Do cars fitted with uprated brakes, lowered suspension and wider tyres crash |
driving like a twat who didn't before? Twats drive like twats, the car
itself is not a big part of the equation.
I tell you what I think, there is *no* evidence whatsoever to support the
premium hike and it is based on the very same bigotry you present above, I
fully understand why people just don't bother telling insurance firms
because the premium hikes dont stand up to logical scrutiny. My driving
style is far safer and less dangerous and generally better in a relatively
powerful car than it ever was in a crappy pop plus. Age has more than a
little to do with that but insurance isn't about punishment is it?
Quote:
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The bums that answer the phones at insurance companies dont have access to the risk assessment statistics, but I can almost guaruntee statistically you are now a higher risk because of people that have made similar mods that have still managed to prang their cars. ...and I absolutely disagree, I think it's based purely on the expectations |
apparently have. I think they simply make it up but i'd be more than happy
to be proved wrong.
Quote:
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Just, erm be thankful now you've told them that they are more likely to pay out if you do have an accident, as they won't be able to say you had undeclared mods. 16 years of driving and i've never once had an accident that was my fault, |
caused by piss poor judgement from others. I drive fast when road conditions
allow and I can be bothered, which isn't that often given the increasing
volumes of traffic.
#7
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Why do Insurance companies charge me more for fitting items that don't make a sod of difference to the cars power or the way I drive it but simply make it safer. I've fitted grooved cross drilled brakes and performance pads and braided hoses. Lowered uprated suspension and wider lower profile tyres. |
brake parts? What difference does it make if I use volvo, lucas, bosch, EBC,
brembo or movit parts? Wider tyres (and rims to match I hope) mean higher
costs of replacement in case of claim and are desirable to theives and
vandals.
#8
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Johnny wrote: Why do Insurance companies charge me more for fitting items that don't make a sod of difference to the cars power or the way I drive it but simply make it safer. I've fitted grooved cross drilled brakes and performance pads and braided hoses. Lowered uprated suspension and wider lower profile tyres. Do you have to declare the fact that you used a non-OE supplier for your brake parts? What difference does it make if I use volvo, lucas, bosch, EBC, brembo or movit parts? Wider tyres (and rims to match I hope) mean higher costs of replacement in case of claim and are desirable to theives and vandals. The OZ super T alloys I have on are cheaper to replace than main dealer |
each wheel. If they get these off they deserve them.
#9
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To be fair, a lot of the time when people put bigger wheels on, lower their cars and (to a lesser extent I suppose) put shiny performance brake components on, it means they are driving like a twat more of the time and are a higher risk. It can also draw attention to the car, meaning that pikey bastards are more likely to steal it, crash it and burn it. Do cars fitted with uprated brakes, lowered suspension and wider tyres crash more often than those with standard? Do they make someone suddenly start driving like a twat who didn't before? Twats drive like twats, the car itself is not a big part of the equation. |
drivers.... my modding your car, you're being put in the same group as
the chavs who drive modded Novas like twats.
HTH.
--
Steve H 'You're not a real petrolhead unless you've owned an Alfa Romeo'
http://www.italiancar.co.uk - Honda VFR800 - MZ ETZ300
VW Golf GL Cabrio - Alfa 75 TS - Alfa 155 TS Lusso - COSOC KOTL
BoTAFOT #87 - BoTAFOF #18 - MRO # - UKRMSBC #7 - Apostle #2 - YTC #
#10
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Johnny <repro007 (AT) hotmail (DOT) com> wrote: To be fair, a lot of the time when people put bigger wheels on, lower their cars and (to a lesser extent I suppose) put shiny performance brake components on, it means they are driving like a twat more of the time and are a higher risk. It can also draw attention to the car, meaning that pikey bastards are more likely to steal it, crash it and burn it. Do cars fitted with uprated brakes, lowered suspension and wider tyres crash more often than those with standard? Do they make someone suddenly start driving like a twat who didn't before? Twats drive like twats, the car itself is not a big part of the equation. People who drive like twats are more likely to mod their car than other drivers.... my modding your car, you're being put in the same group as the chavs who drive modded Novas like twats. That's the point I was trying to make, my motor isn't a nova or any other of |
applying statistically or rationally justifiable increases to my premium.
Twats drive like twats, the car itself, modded or not, isn't a big factor in
that. The worst daftest boy racer drivers I see are the nova/saxo crew who
often don't have anything more than a fucking stoopid fat can bolted on the
exhaust.
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