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My wife had a non fault accident , Yorkshire water ploughed into the back of her car while she sat at a red light. They immediately took the blame and sorted out via their insurers ours werent involved it it was sorted quickly
Come renewal her insurance went up even though she had no fault what so ever.
But then even worse come my renewal mine went up as she was a named driver, so I said take her off and they informed me it would cost even more if they did that as I had a discount for having my wife on my policy and it was more expensive on my own
I'm sure they make it up as they go along. Bloody rip of merchants
I think it's unlikely a private driveway would be considered a road or public place hence no offense.
https://www.jmw.co.uk/services-for-you/motoring-law/drink-driving/articles/private-roads
I’m sure they make it up as they go along. Bloody rip of merchants
They really don’t.
so I said take her off and they informed me it would cost even more if they did that as I had a discount for having my wife on my policy and it was more expensive on my own
This makes total sense in underwriting terms.
Historical claims statistics show that people in relationships who name their partners on their policy are a lower risk than people who don’t.
Historical claims statistics are ALL they base it on, not even a slight bit of “making it up as they go along”
if you ever get introduced to an Actuary, ask them all about it, it’s *fascinating
(*it isn’t)
They take the piss though let's be honest nealglover. Her premium went up as someone who admitted not paying attention drove into her as she waited at a red light. No claim via our insurers at all and yet she is now more of a risk to insure due to someone else's incompetence
As nealglover says though, the stats say that even though it was a non-fault claim she’s now more likely to claim again. You could always increase your excess to help drive down the premium
Her premium went up as someone who admitted not paying attention drove into her as she waited at a red light.
Same again though, historical claims stats will show that people who have previously claimed are more likely to claim again within a set period of time.
Mots literally ALL about claims statistics. It’s all they have to go in, and they don’t need or use anything else.
I used to write the code that generated the quotes, and there is literally nothing else used except statistics of past claims.
Hmm, I'm a bit puzzled about not wanting to put this through the insurance for an excess of £250 (which it turns out isn't payable) but willing to pay up to 1k?? Yes, the insurance might increase at next renewal, but realistic by how much? And surely you shop around to counter this, no?
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Keen to know what op drives that has £7400 worth of alloys on it.