One of the major side effects will be, ? more uninsured drivers for which we will all pay more again and each time they put it up the amount of uninsured go up.

They should scrap the lot and put it on fuel same as tax drive more pay more, simples.

How does that work then - high risk/claim drivers see cost go down, low risk/claim goes up. Not much incentive to careful drivers and an no discouragement to inexperience drivers driving inappropriate cars.

I appreciate the amount of the claim is irrelevant. Coul;d have been a Bugati Veyron with half a million pounds of damage for all i care tbh. I was merely adding meat to my/our sad story, the point being that IF the wumman in the Mazda had stood by her word at the time of the incident, meaning that yes, we'll settle this trivial incident without involving the insurance, then at least Miss Ree would have probably been in receipt of a full one years NCB in just 6 weeks time, thus taking some of the sting out of this predicted horrendous due premium hike.

That's not really the fault of Brussels though, is it.

Yes, the other driver could have done you a favour by not proceeding with the claim but they are perfectly entitled to let the insurance sort it out.

The only bit you can take issue with is them possibly adding a personal injury element that wasn't justified but that wouldn't make any difference to next year's premium as there still would have been a claim and loss of NCB.

One thing to look into is whether your daughter will have to declare the claim next year or not if her mum is no longer a named driver. The wording is usually "have you been involved in any accidents" which she can truthfully answer no to.

That's not really the fault of Brussels though, is it.

Yes, the other driver could have done you a favour by not proceeding with the claim but they are perfectly entitled to let the insurance sort it out.

The only bit you can take issue with is them possibly adding a personal injury element that wasn't justified but that wouldn't make any difference to next year's premium as there still would have been a claim and loss of NCB.

One thing to look into is whether your daughter will have to declare the claim next year or not if her mum is no longer a named driver. The wording is usually "have you been involved in any accidents" which she can truthfully answer no to.

Strewth, how many times?

I KNOW that's not the fault of Brussels, I repeat, I was only adding a 'bit of meat' to the forthcoming dilema of the impending insurance renewal quotation, £keeeerching£, the same as i realise that the so called 'injured' party has EVERY right to take us to the cleaners after initially agreeing verbally to sort it all out privately WITHOUT insurance involvement.

However, we all know the world is absolutely overflowing with well meaning <cough> bar room lawyers.

I shall therefore add, seeing as we're back on that subject, that the damage to Mrs R's car amounted to a small scratch on the rear bumper, caused by the number plate screw on the front of the Mazda.

I'm delighted to say however, that after my concerned explantion to Miss R's insurance company, they are coming out to inspect her car, even though we're not getting it repaired through them....if at all in fact... being so miniscule,to see if the damage to it actually weighs and marries up to the alledged near write off status to the Mazda.

Absolute and pitiful joke.

Meanwhile, Brussels and the insurance companies must be kock-a-hoop about all this equal rights legalised theiving.

Edited 24 December, 201213 yr by Mr Ree

I had another two instances of bad driving today, coming out of Leeds, checked all mirrors and blind spots nothing there in a 50 zone, could see cars getting to the end of the slip so wanted to pull out to let them in, just as I checked mirrors again about to pull out, car came over the stripes, cut behind me giving me inches and into the outside lane, had I moved any further, big accident would have happened. Dropped into third and booted it to catch up, and yep, female driver on her phone.

However, on the same stretch a few miles on, I was in the outside passing someone, getting ready to pull in, Mini Cooper comes screaming behind me, luckily I knew it was clear so pulled in a lot sharper than comfortable with as otherwise I'd have expected the mini to be parked in my boot. Male driver with his mates.

To be honest, I really don't think gender has anything to do with it. All roads have good and bad drivers regardless of age and gender.

I have noticed that my female family and friends are terrible at parking though, but that's a social awareness thing where essentially men apparently have better awareness than women.

So as I understand it my insurance will go up again.....thats a shock! I guess come renewal time I'll just have to lube up and brace for it.

Way I see it is if the reason womens insurance is less was really down to risk then nothing should change.

The new ruling does nothing to help either sex but is a wet dream for the insurance companies! (I wonder who in the EU got the back hander for that one?)

So as I understand it my insurance will go up again.....thats a shock! I guess come renewal time I'll just have to lube up and brace for it.

Way I see it is if the reason womens insurance is less was really down to risk then nothing should change.

The new ruling does nothing to help either sex but is a wet dream for the insurance companies! (I wonder who in the EU got the back hander for that one?)

Such a cynic. As if.

Correct and spot on btw.

Insurance companies must rank in the top three most most hated industries.

Legalised theft, that's all it is.

Carry on like this and folk are going to have no option but to have to bin their cars, simply because they don't earn enough to pay these parasites and leeches.

...but that's a social awareness thing where essentially men apparently have better awareness than women.

I'm sure you mean spatial awareness. Social awareness is knowing who's on Facebook

or Tw@tter at any given time or familiarity with the local or global demographic etc.

In which case women are probably better at that than we are.

I don't understand why the EU bigwigs have decided you can't descriminate on the basis of sex (like you can't at work) but you can discriminate on the basis of age. (which you also can't at work).

Why only single out one form of discrimination.

Doesn't make sense to me.

If there are statistics to show younger people are a worse risk, there are also statistics to show male drivers are a worse risk.

I don't understand why the EU bigwigs have decided you can't descriminate on the basis of sex (like you can't at work) but you can discriminate on the basis of age. (which you also can't at work).

Why only single out one form of discrimination.

Doesn't make sense to me.

If there are statistics to show younger people are a worse risk, there are also statistics to show male drivers are a worse risk.

Good question BossFox. Perhaps because the cost difference between insuring male and female is small compared with the difference of insuring younger and older drivers. Hence the change would drastically increase insurance costs for older drivers.

Perhaps because there is some justification in charging inexperienced drivers more although that argument falls down unless it is applied to new drivers regardless of age. e.g. a 22 year old may have been driving for 4 years while a 50 year old may be a new driver, not likely but possible. (edit similar to the employment situation where you can use relevant experience rather than age).

I guess the best way forward is more reliance on individual claim history rather than looking at generic demographics e.g age, sex, location etc.

Edited 27 December, 201213 yr by Richard46

Miss Ree's new quote for next month arrived yesterday,

An absolutely disgusting vile increase of well over a THOUSAND pounds which means close on to doubling of her premium!

No NCB earned which was expected due to Mrs R's parking incident on Miss R's policy, but come on. This is absolutely outrageous!

Currently the discussions are t going along the lines of selling the car and either using buses and taxi's for the next 12 months or longer, or possibly the purchase of a mopedey type two wheeler, the latter of which Mrs R is dead against.

All in all, thank you Insurance companies for driving my daughter off the road .

My GF's insurance is up next week, and has actually gone down by about 50 quid compared to last year. Now £170 fully comp.

Mr Ree,

are others quoting the same sort of cost for cover,

what about if she has a Black Box fitted with one of the companies doing that sort of cover?

george

Mr Ree,

are others quoting the same sort of cost for cover,

what about if she has a Black Box fitted with one of the companies doing that sort of cover?

george

I'll be on the horn to both her current insurance (Diamond) and the usual suspects for some revised and hopefully lower legalised theft rip offs quotes tomorrow.

Now I know she is suffering whilst she was 80 miles away because of Mrs R's petrol station 2 mph nudge, that the 3rd party is now claiming for virtually a whole new front end on her Mazda AND whipcash, but there is also the incident in March of last year when a wumman backed her car into Miss R's whilst she wasn't even in it!

Luckily she kept an eye out for Miss Ree's return and owned up, but she (the other wumman) insisted on sorting it though HER insurance, even though I offered and suggested we kept them out of it for both our sakes.

The less the insurance know, the better as far as I'm concerned, but she was insistant for some oddball unknown reason . :think:

However, I'm wondering now if that is also going against her...unjustifiably, but since when have insurance companies played fairly?

Policy price last year with both me and her mother as named drivers with 3 SP30 points each....£1,300 on her first years policy.

Quote from next month....£2795!!

Now I know wimmins insurance has gone up by apparently an average of 15%, and I also realise that because of MRS R's carelessness and the other wumman now claiming for everything bar a new kitchen, thus demolishing poor MISS R's NCB of probably what, 10%, has to now sadly be accepted,but doing my own calculations on just those two items, I was personally expecting a quote of approx £1700.

It's either that or she's off the road sadly.

Makes it all the harder to swallow in the knowledge that Miss Ree has driven exemplary with personally no accidets,incidents bumps or scrapes of any kind whatsoever, but it's HER policy, and that's what counts.

Presumably Mrs Ree could enter into a new insurance in her own right with a 100% clean driving record,(bar the SP30 points) seeing as Miss R is having to take the rap for her on her policy?

I could screeeeeeeeeam for her.

Edited 20 January, 201313 yr by Mr Ree

Mr Ree,are others quoting the same sort of cost for cover,what about if she has a Black Box fitted with one of the companies doing that sort of cover?george

Oh, the wonderful insurance cost cutting black box technology load of crap?

Rang one of them during the ringing a squillion insurance companies phoneathon last year, and the guy...who was most embarrased, give him his due..., came back with what was, let's face it, an hilarious £18,000+ quote!

Edited 20 January, 201313 yr by Mr Ree

Have you got any quotes for just Miss R on the policy, or just Miss R & Mr R?

As both parents have points and Mrs R is the cause of the claim it might (fingers crossed) work out cheaper leaving either 1 or both of you off Miss R's policy.

I feel sorry for Miss R too, might be an idea for Mrs R pays the % increase in the premuium that her dink has created year on year until the insurance becomes affordable/max NCD is obtained by Miss R(assuming she too remains dink free)

Just an idea....

Work this one out ey lads.

Rang up Miss R's insurance yet again today to TRY and get some sort of a figure for the increased cost of the new quote for 2013 due to Mrs R's bump in November.

They couldn't provide the figure, but suggested she put me through to the 'new business' section to obtain a quote for no previous claim and quote WITH the claim.

All seemed a bit odd, but I duly obliged.

Had to give ALL the same old details out that I've given a thousand times before, and she eventually came back with....no claim and therefore 1 years NCB,... £1700

Quote to include current ongoing claim against her, plus other no fault or claim incident last April.............£2055!!

A staggering £700 reduction from the original re-newal quote of last week, and £500 less than the revised quote from the re-newal team just yesterday. :no: .

Asked for an explantion as to how this could be, but basically just got a shrug of the shoulders,

So, the advice for everyone here seemingly,, is when your insurance is due for renewal, DON'T accept the figure in the invitaion letter, just ring up the 'NEW business dept. of your insurance company for a significantly lower quote!!

2 grand!

Jeez stuff that

I came back from a ban (dd40) and managed to get a quote of 1k through adrian flux

I went 3rd party fire and theft

Buy a banger and phone up adrian flux, was cheapest i could find by miles

Work this one out ey lads.

Rang up Miss R's insurance yet again today to TRY and get some sort of a figure for the increased cost of the new quote for 2013 due to Mrs R's bump in November.

They couldn't provide the figure, but suggested she put me through to the 'new business' section to obtain a quote for no previous claim and quote WITH the claim.

All seemed a bit odd, but I duly obliged.

Had to give ALL the same old details out that I've given a thousand times before, and she eventually came back with....no claim and therefore 1 years NCB,... £1700

Quote to include current ongoing claim against her, plus other no fault or claim incident last April.............£2055!!

A staggering £700 reduction from the original re-newal quote of last week, and £500 less than the revised quote from the re-newal team just yesterday. :no: .

Asked for an explantion as to how this could be, but basically just got a shrug of the shoulders,

So, the advice for everyone here seemingly,, is when your insurance is due for renewal, DON'T accept the figure in the invitaion letter, just ring up the 'NEW business dept. of your insurance company for a significantly lower quote!!

Just had this with Admiral multicar tonight. Renewal for our cars came in at £1076

it arrived in the post this morning. I wasn't impressed.

Cover for both is full comp, courtesy car, legal cover and stereo cover

protected NCD etc etc.

That's my 09 S3 and Mrs Grrs 58 Fiat 500, both insured to drive each others cars.

Me full licence for 21years and Mrs Grr five years.

Me 15+years no claims, Mrs Grr 5 years no claims.

I'm 39 and Mrs Grr is 29. We live in a B category postcode.

We've both changed cars for better/more valuable/newer ones since last Feb when our last policy

began so we were expecting an increase over last years price. Just out of curiosity I ran the details

through confused.com and was surprised to see that Admiral themselves quoted me £350 odd for the

S3 when my part of this years multicar renewal had jumped to £750. Discount my ar$e!!!

A (not very) quick phone call later to Admiral and they reduced our overall multicar policy

by just shy of £400 in light of this online quote. If we'd just said 'sod it' and just paid up

we'd have been none the wiser. And we upped Mrs grrs cover to include commuting

which was just social last year. All in bill for both cars was reduced from £1076 to £690.

We'll stay with them for this year but next year we'll be shopping around on mine and

keeping Mrs G with Admiral for one last year to release her named driver discount.

Then we'll start shopping for separate insurance. I had very low quotes for mine if She

hadn't been a named driver. It's unlikely She'll ever drive my car but it's there just in case

of emergencies.

P'raps someone from the insurance world that's bound to reading this thread, would like to fill us all in as to what the hell IS actually going on, or is it as I suspect, a much disliked secret MONSTER money making society who don't want to disclose their grubby little secrets to us mere long suffering wallet emptying plebs?

I'd just add to that ^^^ that I used to consider the tax man as our number one most hated, but they've been comprehensively overtaken by these parasitic insurance company's now in my books.At least with the taxman, you can actually...albeit witha masters degree in kidology...work out what you are paying and why, but with this lousy shower, they just seem to make the figures up as they feel fit, blaming US, the very ones that HAVE to pay by law.Sooner the ombudsman or whoever digs really deep into this murky grubby secret society, the better for us all.Never here of an insurance company going ito liquidation ey? Wonder why?

"Quote Me Happy?"

Make me wanna puke.

Edited 23 January, 201313 yr by Mr Ree

Here is one....

I bring the misses insurance down by about £200 and she brings mine down by about £100 when added as named drivers.

How does that work boys and girls?

My insurance is up in feb, I thought it would go up the Mrs has only been past her test 12 months now and with all this hype about women's insurance going through the roof etc etc but to my suprise it's come down to £560 from £1100 last year! I'm we'll chuffed with that! That's for a Laguna estate and a 1.4 polo both fully comp.

Sadly all this will do is lead a large section of society to drive uninsured, its allready happening, its costing all of use. Whoops no not the the insurance companys they are making even more money.The industry doesn,t give a **** about the paying public.

My insurance is up in feb, I thought it would go up the Mrs has only been past her test 12 months now and with all this hype about women's insurance going through the roof etc etc but to my suprise it's come down to £560 from £1100 last year! I'm we'll chuffed with that! That's for a Laguna estate and a 1.4 polo both fully comp.

Beggars belief doesn't it?

No rhyme or reason.

An industry that makes its own rules up as it goes along and feels fit.if and when it chooses to do so.

I am actually beginning to understand why so many are claiming for trivial items, and making up whiplash claims now.

Doesn't make it right, but what the insurance companies are recklessly doing is JUST as bad in my books, and they started it.

A 'they're robbing us blind, so we'll do the same back at them' growing culture.

Plan C is/was/maybe a scooter wasp just to keep her mobile as I think I've already mentioned.

Rang Lexham insurance who specialise in bikes.

Came out at £766.46!

Lot less than 2 grand plus granted, but for a push bike with a lickle engine?!