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Re: Flaws in insurance calculation systems?
Miscellaneous UK car topics Other UK car topics (uk.rec.cars.misc)
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#1
 
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Re: Flaws in insurance calculation systems? -
08-17-2003
, 10:42 AM
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Job occupation ?? Mum's age vs ur Dad's age ? My dad's a manager, his mum is a part-time accountant/housewife I believe. |
Ages basically the same.
#2
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I think some insurers' systems really have flaws in them! An example... [snip] |
Quote:
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Ok this is the average price I got from loads of other insurers but how on earth did he manage to get that quote. So I decidedly phoned Tesco since they have a contract with him and it couldnt affect him. Naturally they wont speak to me about his policy so I spoke to a manager and said ok look I am his friend you cant discuss his details with me but you can look at them on your screen. Now look at his details, these are mine. What on earth is going on here! He said the only reasons they could give me for £800 difference were a) I live 20 minutes away (but I live in what is an equally 'safe' area), or b) that they have bugs in their system. Gee i'd love to find one of those bugs! Any comments, |
olds than a Punto. Parts could be more expensive too. A Punto is not a
trendy car to own.
I don't know how finely the "risk" is calucated by area, but if it is
x-referenced against claims, rather than a shaded map type system then
the area could make a BIG difference. Have you tried getting a quote
for your details against his address? How about his car at your
address?
This should narrow it down, but either way IF the NCD which is built
up on the policy can be transferred, the Punto looks like a storming
deal - sell the Corsa and get one!
Gareth
--
Gareth
'85 Chevy Camaro IROC-Z (305 V8)
'92 B&W Chevy Caprice 9C1 (350 V8)
#3
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The car is a different make - a Corsa is owner by many more 18 year olds than a Punto. Parts could be more expensive too. A Punto is not a trendy car to own. |
I have seen so may more 18 year olds with new and old style puntos but very
few with my car the new style Corsa C. The punto seems to be a more trendy
car to own.
Quote:
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This should narrow it down, but either way IF the NCD which is built up on the policy can be transferred, the Punto looks like a storming deal - sell the Corsa and get one! |
tony". Don't like the puntos at all i'm afraid.
L
#4
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| The car is a different make - a Corsa is owner by many more 18 year olds than a Punto. Parts could be more expensive too. A Punto is not a trendy car to own. I have to say i am surprised at that comment. In all the areas I have driven I have seen so may more 18 year olds with new and old style puntos but very few with my car the new style Corsa C. The punto seems to be a more trendy car to own. This should narrow it down, but either way IF the NCD which is built up on the policy can be transferred, the Punto looks like a storming deal - sell the Corsa and get one! lol I'd never touch a FIAT.. i still go by the old phrase - "fix it again tony". Don't like the puntos at all i'm afraid. |
the misfortune of getting one on hire once. I can honestly say it was the
worst car ever to drive, even worse than a 10year old mk2 cav with 140k. The
only advantage it might have had over the cav was less rust.
I personally don't like corsa's very much but it is a much better car than
any fiat. Keep it!
The Dervboy
#5
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I think some insurers' systems really have flaws in them! An example... My friend just signed up with Tesco Car Insurance. Terms: His mum main driver, him second driver on policy His age 18, no claims Car Insurance Band 3 on a Punto 1.2 02 reg 10,000 miles per year Fully comprehensive Non existant NCB I checked his policy details and he really wasnt lying £400! I try the same thing however... I live around 20 minutes from him My father with a perfect history would be the main driver but again no NCB on this car Me 18 as second driver no claims 8,000 miles per year Same value of car but 1.0 Y reg Corsa Car Insurance Band 1 Fully Comprehensive... wait for it.. £1200. Ok this is the average price I got from loads of other insurers but how on earth did he manage to get that quote. So I decidedly phoned Tesco since they have a contract with him and it couldnt affect him. Naturally they wont speak to me about his policy so I spoke to a manager and said ok look I am his friend you cant discuss his details with me but you can look at them on your screen. Now look at his details, these are mine. What on earth is going on here! He said the only reasons they could give me for £800 difference were a) I live 20 minutes away (but I live in what is an equally 'safe' area), or b) that they have bugs in their system. Gee i'd love to find one of those bugs! Any comments, Laurent P.S. I am currently with CIS car insurance £850 3rdPFT with a policy as my father as main driver and any licensed driver any age can drive the car.. not a bad policy but really the cheapest I could get so suits me fine. Oh and no im not "fronting" he is the main driver  |
#6
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Put your Mum as main driver instead of your Dad, and go for fully comperehensive. Women drivers always get it cheaper. |
My Mum doesnt have a license to drive a manual car since she learnt and
passed on an automatic grrr!
L
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