Look don't get me wrong women drivers I have no problem with ok. My problem is with the unfair way we get stuffed by insurance companies in the following way;

A driver, like me got insured when I was 21 with my then girlfriend, wife, now ex wife as the second driver due to the cost it would cost me to be the main policy holder. My girlfriend didn't like driving much so I drove, as the years went by she clocked up the no-claims bonuses without driving much. I got divorced last year at 31, she got 10 years no claims, I got jack shit! I have to start again, with no points on my licence, no speeding tickets etc the insurance company don't recognise my 10 years of careful driving and want to clobber me for £1000.00 on my car.

There must be tons of men in this hole and the women get this free benefit from us men?

It works both ways - if she was the second driver it would be her who has to fork out for the new policy.

What is unfair I agree is the fact that anyone on someone else's policy who has driven for ten years without an accident, and more to the point, has driven legally, should be penalised for starting a new policy.

I rank insurance companies almost as low on the scum scale as estate agencies.

I thought they were though. My dad was the secondary driver on my mum's car, a Megane, 1.6 I think. My dad then gets money to buy a new car, and gets himself an Audi 2.0. The insurance companies wouldnt insure him as the primary driver as he's deemed to be too big a risk. My mum has made him the primary driver on the Megan so he can work up a no claims bonus.

woops.
The problem here is that you were the main driver of the car, hence you both were performing insurance fraud. Naughty naughty. So really the insurance company should state that your last 10 years of insurance are invalid, and you both lose your no claims, and go to jail.

Yes but we still all do it!

LMAO!

don't you just love it. We know it's illegal to do stuff like this, but the only reason we do it is because insurance is so expensive.

yeah, only last week i stole several hundred pounds worth of electrical goods from a high street retailer and can you believe it, they didn't give me a guarantee!!

so you had ten years of cheap insurance, and now you are complaining cos you can't continue this fiddle?

Well, as an American insurance agent, I have to add my say.

Everyone sucks. The clients are dishonest. The companies cheat. The claims adjusters are too cheap. The auto body shops inflate the claims. And, of course, we agents and brokers sell all of you policies that won't pay.

Actually, after 28 years in this business, it never ceases to amaze me how our greed drives us. I have clients tell me that they want the bare minimum limits to comply with NY law for their auto insurance, then wonder why they receive nothing when they have a collision loss. Or, the client who wants the lowest amount of fire insurance on his house, but fails to read the policy minimum requirements, and wonders why there is a a penalty for a partial loss.

We all forget that insurance is designed to make one whole, not better.

But, keep driving bad. I love those higher premiums! $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ :D

I am honest, even when its to my peril.

Last year when I organised my insurance I added my now ex boyfriend as i was sick of him complaining about me driving too slowly. I got a £150 deduction for adding him. He was the second driver on the policy which was correct, as he only drove when I was at his house which was a couple of days a fortnight.

salsa spouted:
I am honest, even when its to my peril.

Last year when I organised my insurance I added my now ex boyfriend as i was sick of him complaining about me driving too slowly. I got a £150 deduction for adding him. He was the second driver on the policy which was correct, as he only drove when I was at his house which was a couple of days a fortnight.

You see, you got a £150.00 deduction for adding another driver, is this not a higher risk? Insurance gone mad?

www.liverpoolvictoria.com

They are by far the cheapest. A mate of mine at 32 decided to learn to drive, did that and first car he bought was a 2.8 litre BMW Convertible, he got fully comp for about 800 quid!

I pay 500 fully comp on a 18 year old, 1.05 litre VW polo, but then I am 19 so... Its still cheaper than any of the other companies, for me at least!

The problem with the insurance world is that its a vicious circle, some people wont pay the highish costs, they crash, put premiums up, then more people wont pay the even higher costs, they crash and so on!

ywi

jason4004 spouted:


You see, you got a £150.00 deduction for adding another driver, is this not a higher risk? Insurance gone mad?

I think it is because he was considered a househusband, and therefore is a lower risk, i dunno.

I was the second driver on my mum's insurance policy when I first started driving. It is a pain how you don't get any recognition for it, even if you don't make any claims. I guess you just have to grin and bear it though. My own insurance was shocking for the first few years after that, and the fact that it was in insurance group 14 didn't help either...

Jason - are you in the UK? If so, Adrian Flux Insurance will accept your previous no claims if you still have proof of them ie your previous policy (no matter how old). I know cos I had a similar problem. Luckily, I'm a bit of a hoarder when it comes to paperwork and after faxing my old policy to them they knocked 500 quid off my quote. Bargain!

I posted this on another thread this morning, but it's pretty class. It's a letter sent to a local newspaper. Don't think they'll publish it.

Dear Letters Editor.
Why do some adverts for second-hand cars (including a few in the "Herald & Post") insist on describing the vehicle for sale as having a 'lady owner'?

This tells us nothing at all about the condition of the car, but is no doubt to make us think it has been well looked after. What nonsense! The only things that seems certain are that there'll be bras hanging from the dashboard, used tampons stuffed between the seats and soiled tampons in the boot!

My advice is to treat 'lady owner' cars as a con. The intended stereotype should be challenged by assuming the car is a wreck: refuse to buy it, or make an offer well below the asking price. Yours sincerely, R. M. Atkinson

Magicguppy you made me laugh with that one!

God at last someone has said something funny, it's only taken two weeks since I've been on here.