1. This site uses cookies. By continuing to use this site, you are agreeing to our use of cookies. Learn More.

Photos Latest Purchases Thread: v2.0

Discussion in 'General' started by RTT, 29 Oct 2007.

  1. Mister_Tad

    Mister_Tad Super Moderator Super Moderator

    Joined:
    27 Dec 2002
    Posts:
    12,263
    Likes Received:
    748
    "I don't understand car insurance" #28

    A pickup that takes 10 seconds to get to 60mph is around 15% more expensive to insure than the 350bhp full-of-esoteric-parts sports wagon it replaced.
     
  2. Mr_Mistoffelees

    Mr_Mistoffelees The Lunatic on the Grass.

    Joined:
    26 Aug 2014
    Posts:
    1,978
    Likes Received:
    437
    Perhaps a high level of claims from people using them for work purposes and maybe owners less careful than Polestar owners.
     
    Last edited: 18 Sep 2019
  3. bawjaws

    bawjaws Well-Known Member

    Joined:
    5 Dec 2010
    Posts:
    3,461
    Likes Received:
    363
    There are more variables when it comes to average claim size than just how fast or powerful your car is? Colour me shocked.
     
  4. Mister_Tad

    Mister_Tad Super Moderator Super Moderator

    Joined:
    27 Dec 2002
    Posts:
    12,263
    Likes Received:
    748
    Sanctimonious much?

    Of course there are, the oddity just tickled me, this being at least the 28th time I've thought "man, that's weird and/or surprising" about car insurance.

    I thought there would probably be a significant uptick if I insured it for business use, but I didn't - i didn't actually check, but my business use is 100% driving to and parking in airport multi-storeys so won't be taking the truck anyway.
     
  5. ElThomsono

    ElThomsono Well-Known Member

    Joined:
    18 Mar 2005
    Posts:
    2,737
    Likes Received:
    137
    All pickup drivers are drunk.
     
  6. Mister_Tad

    Mister_Tad Super Moderator Super Moderator

    Joined:
    27 Dec 2002
    Posts:
    12,263
    Likes Received:
    748
    Solid point.

    Didn't even think of that, I'm just not in the pickup mindset yet. Delivery on Friday, so by this time next week I'll have developed a penchant for bud light. My nearest female cousin lives ~6000 miles away, so I avoid that pitfall of pickup ownership at least.
     
    Mr_Mistoffelees likes this.
  7. Fingers66

    Fingers66 Kiwi in London

    Joined:
    30 Apr 2010
    Posts:
    8,173
    Likes Received:
    660
    Now all you need is these...
    [​IMG]
     
    perplekks45, Mister_Tad and liratheal like this.
  8. Jeff Hine

    Jeff Hine Nothing special

    Joined:
    8 May 2009
    Posts:
    1,506
    Likes Received:
    182
    Just done a search for that; oddly enough, not listed on their site... unless you need to register to see it.

    But yes; does look like it'd do reasonable damage to more than just a stubborn kitchen unit or two...
     
  9. Mr_Mistoffelees

    Mr_Mistoffelees The Lunatic on the Grass.

    Joined:
    26 Aug 2014
    Posts:
    1,978
    Likes Received:
    437
    My nearest female cousin is only around 230 miles away and, I have a half-sister much closer...







    I don't own a pickup, so I suppose they are safe.
     
  10. liratheal

    liratheal Sharing is Caring

    Joined:
    20 Nov 2005
    Posts:
    10,766
    Likes Received:
    782
    I'm going to be disappointed in @Mister_Tad if he doesn't get a set of truck nuts.
     
  11. adidan

    adidan Guesswork is still work

    Joined:
    25 Mar 2009
    Posts:
    14,194
    Likes Received:
    1,696
    Like ours, it went up a bit moving.

    All else being equal we've moved to an area with a lower crime rate both generally and relating to car crime. Oh and there's far less traffic here.

    Not sure how that works out.
     
  12. liratheal

    liratheal Sharing is Caring

    Joined:
    20 Nov 2005
    Posts:
    10,766
    Likes Received:
    782
    Insurance is just a bunch of guys and gals cutting a head off a chicken and seeing which price bracket it runs into before finally dying.

    Then rolling a die to see what the actual number is.
     
    perplekks45, adidan and Mister_Tad like this.
  13. Mister_Tad

    Mister_Tad Super Moderator Super Moderator

    Joined:
    27 Dec 2002
    Posts:
    12,263
    Likes Received:
    748
    My favourite was a few years ago experimenting with job descriptions.

    I understand that a knitting specialist may expect a lower premium than a stunt driver.

    But the only way I can explain why I saved £80 by cycling through a few job titles that all meant exactly the same thing is the headless chicken method™
     
  14. bawjaws

    bawjaws Well-Known Member

    Joined:
    5 Dec 2010
    Posts:
    3,461
    Likes Received:
    363
    Not really?
     
  15. adidan

    adidan Guesswork is still work

    Joined:
    25 Mar 2009
    Posts:
    14,194
    Likes Received:
    1,696
    Oh i've tried that, there seems no logic to why some jobs are inherently more risky.
     
  16. Byron C

    Byron C No liability accepted as a result of this post

    Joined:
    12 Apr 2002
    Posts:
    5,652
    Likes Received:
    744
    Car insurance pricing is basically a black art. There are some major risk factors we all know about, like: the vehicle you drive, how many claims you've had, do you have points on your license, have you ever been banned, where do you live, etc. But the rest? Eh, who the hell knows.
     
  17. fix-the-spade

    fix-the-spade Well-Known Member

    Joined:
    4 Jul 2011
    Posts:
    3,693
    Likes Received:
    343
    You forgot the biggest factor.

    What can we get away with charging?

    Every year my quote goes up a lot, every year I pay the same or less than the year before, it pays to argue with these people.
     
    IanW likes this.
  18. legoman

    legoman breaker of things

    Joined:
    28 Feb 2010
    Posts:
    3,847
    Likes Received:
    407
    Weird, it shoudl be there. But behold!

    [​IMG]
     
    IanW and adidan like this.
  19. Mister_Tad

    Mister_Tad Super Moderator Super Moderator

    Joined:
    27 Dec 2002
    Posts:
    12,263
    Likes Received:
    748
    Sounds about right.

    A couple years ago my Policy was £1500
    My renewal quote was Four. Freaking. Thousand. Pounds.
    I call to politely advise them they can inset it in the nearest orifice. No changes to the policy, no referrals to the cancellation team, three taps on the keyboard and "Ah okay, how about £2400 then?"
    Competitor's quote - £1200
     
  20. Jeff Hine

    Jeff Hine Nothing special

    Joined:
    8 May 2009
    Posts:
    1,506
    Likes Received:
    182
    Certainly looks like the winning answer to 99.99999% of argu... I mean; discussions to me.
     

Share This Page