Car Insurance - Rip Off Britain!!

[Scarlet]

Hows this for a rip off.

Just about to renew OH Car Insurance used via Confused as per every other year.

OH cheapest Quote up by £300, though most were approx £600-£700 more!!

Whats that I hear you say.........Just bought a lotus? Had 12 points added to your license? Moved to Iraq?

No.

Same Car.
Same Addy.
Same Job.
Same Matrital Status.

Oh yes.......Also got an extra year NCB.

So what could it be that makes the Insurence an average of £500 more this year.

The car has a private Plate.

When we bought the car Last year, it had a normal plate. As per instruction via DVLA, you register the car with your insurers first, then you change plate over, then you contact your insurers with the new Number.

You can even do this all in the same day (if you live near an DVLA Office).

The Premium doesnt change when you do it this way.

However, come year 2, when you are applying for quotes using the Private Plate, its shoots up!!!

Tell me if he wasnt a risk for the last 12 months on that number plate then why has he suddenly become a risk now? Obvisously he is less of a risk this year thats why we have an extra year NCB.

If this isnt the biggest rip off yet I dont know what is!!

To add insult to injury if you submit the same quote details again - but instead of putting in the Car Reg Number and letting the database bring up the Car details for you. You manually select your car type (thus no requirement at the quotation stage for a number plate, private or otherwise) the quote returns £300 cheaper!!!

Effectively you have not submitted any incorrect information and when you click to accept the quotation you just complete the Reg Details at this stage and save yourself £300.

[iancognito]

Strange that coz I had private plates on my car for years and just given them to my OH, my insurance didn't go down by £300!!

Why don't you write to the insurance company and ask the question, or get a quote for a car, same type, same year, no private plates, must be one for sale somewhere!

Then take the quotes/explanation to the insurance ombudsman and tell tehm you might be able to afford private plates but that doesn't mean you've got money to throw away.

Also try Tesco, they don't advertise through confused.com but were £400 cheaper than the nearest quote I got for my sons car on confused.

[Scarlet]

Ive just amended the first post to basically inform of what you have sugested.

If we were forced to do it the first way around it would have been cheaper to take the private plates off the vehicle, and return it to its old number, get it insured, then re-plate with the private ones, then just inform the Insureners of the change in plate. £8o with DVLA!!!

Car ins up Weds so need to get it sorted by then.

To add further twist, I checked it out for myself (female) and mine went down - as you would expect with an extra years no claims - so Im wondering if it is a Gender thing? Sex Discrimination anyone?

[Guest]

If only.

There is a general exception for insurance in section 45 of the Sex Discrimination Act 1975, which states that:

It is not unlawful to treat a person in a discriminatory way in relation to an annuity, life assurance policy, accident insurance policy, or similar matter involving the assessment of risk, where the treatment:

(a) was affected by reference to actuarial or other data from a source on which it was reasonable to rely, and

(b) was reasonable having regard to the data and any other relevant factors.

This exception does not apply to credit arrangements or occupational pensions; men and women must be treated equally.

Most insurance companies use sex-based actuarial factors to determine the cost of insurance coverage. This means that men and women are charged differently for similar insurance.

[iancognito]

That'll be because women are better - oops I mean safer - drivers then!

[Guest]

Not strictly accurate. Although women are statistically safer that is not the whole story. Women have just as many accidents as men, however they tend to be minor prangs. Us men on the other hand seem to do the job properly when we crash and as a result cost our insurance companies a lot more money.

So you are not really any safer, but your claims cost less. However, the gap is closing and it probably won't be too long before we are all paying the same.

And you are crap at parallel parking.

[Happyolddog]

I change my insurer just about every year, as the introductory offer runs out and the premium goes up. I use insurancesupermarket.co.uk, I am not advertising for them just stating a fact. This year for myself and my wife our insurance is £235, thats for fully comp with protected no claims, the car is nearly new, just 6000 on the clock and has a 2 litre engine. I found this year Marks and Spencers have a great introductory rate. I have no doubt that next year they will ask for more, then I will switch again.My advice is shop around.

best wishes,
Hod..Liam...

[Amy]

Erm, you're allowed to drive Happy?

[mistie]

try bullseyesinsurance online quotes i said £300 on my hubbys renewal price.

[Happyolddog]

Erm, you're allowed to drive Happy?

Erm..Noooooo

I do one journey each month, that is to fill the tank as the Mrs doesn't seem to have learned how too yet.

Best wishes,
Hod..Liam..

[Guest]

Erm..Noooooo

I do one journey each month, that is to fill the tank as the Mrs doesn't seem to have learned how too yet.

Best wishes,
Hod..Liam..

Once a month! How big is the tank?

[enaid]

Maybe it is a tank

[Scarlet]

We need all the help we can get with getting the car costs down we got a 4x4, and im guessing the road tax from next year is going to absolutly cripple us!!!

[Guest]

It depends on how old it is - you will continue to pay £175 per year if the vehicle was registered before graduated VED came into effect in 2001.

In his Budget last year Brown created a new top band G of vehicle excise duty for new cars with emissions over 225 grams per kilometre. At £210 a year this was £20 higher than the next band. For new cars registered after 31 March 2006 that is now £300 and set to rise to £400 in 2008.

However, Brown made plain that the new band was not retrospective and did not apply to 4x4s and other heavily emitting cars bought before last April. They were put into Band F and will remain there.

All car VED rates will be aligned up to the level for diesel. VED rates for all cars registered before 2001 and all light goods vehicles will rise by £5. Changes to this year’s VED rates will take place from 22 March 2007. Drivers with older vehicles will be unaffected by this increase.

[Guest]

This of course is the thin end of the wedge. Brown and his cronies have only just started. Their odious little plan is to attack the use of all vehicles with all manner of ranting emotive unscientific claptrap.

Those drivers who don't drive 4x4s and who haven't yet cottoned on to the plot, naively see attacks on 4x4 drivers as nothing to do with them. Some of these drivers and some of the public fall for the lies and propaganda and profoundly voice their support for anti-4x4 measures by regurgitating some of the puerile anti-4x4 garbage spouted by the cartel.

Now they have been successful in pushing through such discriminatory policies and higher taxes and road tolls for 4x4s, you can be absolutely 100% certain that the anti-car cartel would next turn their evil eye onto another type of car.

Sports cars would probably be the next to be attacked, then they'd invent some rubbish to attack people carriers with, then it would be soft tops, then estate cars, then when they finally ran out of ideas it would be every type of car they hadn't already attacked.

The freaks who used to congregate outside Greenham Common have not gone away, they just morphed into eco-mentalists because they realised that global warming was a better weapon than striking, or doing lesbionics for mother Russia in Berkshire.

They attack four-wheel-drive cars with the phrase “it’s the environment” but it’s nothing of the sort. If it were they’d be taxing people with clapped out Ford Orions and telling fat people to get out of the chip shop and lag their bloody lofts.

The enhanced greenhouse effect isn't behaving as the climate models suggest that it should, climate change is being used as a vehicle for an anti-human, anti-capitalist, anti-mobility agenda by groups masquerading as 'green,' and others are making a living by perpetuating the global warming industry, whilst bandwagon politicians seek to raise 'green' taxes, control enterprise and mobility via energy policy, and exert control over lifestyles.

We are all going to die.......unless we pay more tax.