Originally posted by dab in this post

Don't forget though the bulk of your insurance charge ain't for covering the car against theft, it's to cover the possible injuries to third parties (both drivers/pedestrians and cars). If you ran someone over and left them disabled then its the insurance company that forks out the

... and going on from what dab says re: thrid party damage, a lot of insurance companies feel that someone driving an old heap is not as likely to drive it as carefully / look after it in terms of safety etc as someone in a more modern or more valuable car. Hence they would charge more premium for a lower value car for that part of the risk (liability).

Originally posted by KentStu in this post

... and going on from what dab says re: thrid party damage, a lot of insurance companies feel that someone driving an old heap is not as likely to drive it as carefully / look after it in terms of safety etc as someone in a more modern or more valuable car. Hence they would charge more premium for a lower value car for that part of the risk (liability).

Therefore for every year older your car gets, the premium should increase in proportion ??

Errrr....

Or if you look at it from an insurers POV then you would think,

Originally posted by MonkeyHanger in this post

Using that argument i should have to pay a similar premium for say..

A 1.2 Fabia (perish the thought)

Somehow, i think the Fab would be a lot cheaper to insure

Our Fab 1.9SDI two year old costs

I also drive a car which can out-brake most other "normal" cars on the road today. Do i get a safety discount then ??

Originally posted by dab in this post

Our Fab 1.9SDI two year old costs

For that you would have to first USE the breaks

Damo

Originally posted by MonkeyHanger in this post

Originally posted by dab in this post

For that you would have to first USE the breaks

Damo

Oh but i do, usually to avoid idiots in Saxo's on free insurance deals

... not quite monkey hanger (although funnily enough on my old mundano that is exactly what happened) - insurers will rate your car on a large variety of different issues including liability / age of vehicle / value / location / driver history etc etc only being one.

What I am saying is that the third party liability element is the one that will always have the largest downside for an insurer - the value of the car is insignificant (for most cars) compared to what a court might award for killing someone. Their assesment of this side will heavily bias the quote.

Just as an aside, go to an online quote engine and try putting in for a third party quote only if you have an old car - in many cases you will find it is MORE expensive than going for fully comprehensive as insurers are rating on the attitude of the driver to their car. Its a very strange business and you will never be able to figure out excatly why quotes vary so much unless you actually worked for the insurer and knew thier specific rating schedules and preferences.

lmao, I love it when they pull up next to you at the lights, base thumping, windows down, and then the look of dispair on their faces when you look at them in the rear view mirror.

Damo

Norwich Union Direct -

Originally posted by RSOct22 in this post

Norwich Union Direct -

Originally posted by MonkeyHanger in this post

Mine will never be that cheap, i don't plan to live past 40

Can I have the bit past 40 that you don't want? Just asking...

Originally posted by DGW in this post

Can I have the bit past 40 that you don't want? Just asking...

My pleasure Denis

Hope you enjoy it

Will that make me a teenager again?

Originally posted by DGW in this post

Will that make me a teenager again?

I only do miracles on a monday

roll on Jan 23rd 2004, that's all I say, and I can FINALLY get bloody third party cover as part of my policies. Damn being so young!

Originally posted by devonutopia in this post

roll on Jan 23rd 2004, that's all I say, and I can FINALLY get bloody third party cover as part of my policies. Damn being so young!

I thought third party was the legal minimum, and therefore part of every policy ?? :confused:

Wasn't aware of any age limit Jason- my bro had third party aged 18-21 until he saw sense wand went fully comp.

*and*, there not *wand*

damn this unhealthy Harry Potter obsession

no no no - I mean third party on any other car - I am fully comp on mine.. sorry for being unclear. I just can't drive a mates car for example on third party.

ahhhh...the mist clears...