[Jebus]

Dancake you ask some good questions, but everything is sprinkled with paranoia, i'm being ripped off mentality.
First of all you do not have to take the first quote you get, you can sit in your pants watching TV ask a few meerkats etc for quotes, pick up the phone and ask the guys at Chris Knott you will be able to get the price you are due to pay down.

Quotes are based on risk, these risks are based on a huge number of different statistics that are averaged out against the main criteria that can be judged against, Gender is no longer allowed as you should know.

Age, it is a fact that younger drivers crash more as well as inexperienced drivers so more like to result in a claim = higher premium

Were you live, while not always easy for people to control, some areas have high crime rates for cars than others so therefore claim more likely = higher premium

Were your car is parked, these days this is far more complicated since it is pretty much impossible (most of the time) to steal a modern car without the keys, people break into housed to steal the keys, so if they know extally were you live, more likely for that to happen...ding ding you guessed it.

so on and so on

They are not trying to rip people off with the premium who you are, were you are, where you park, when you drive, why you drive, how long you have driven and what you drive all have individual effects on how likely you are and how much a claim is going to be which is why they monitor that.

Insurance companies are private companies, for the money you pay per year, one bad claim just see them see hundreds of thousands of pounds, far more than you could ever likely pay in premiums over a lifetime, even a minor one will likely exceed what you have paid as a premium. So for that risk they have to have people invest, they are going to want a return on putting up their money for that, so they of course need to make profits..

A system were the risk was far more individual would require every single car to be fitted with advanced tracking systems, that knows what the car is doing and what things around it are doing in relation to it, pretty much every stretch of road would need to be recorded, cameras fitted to every car.......premiums would be extremely high since that would require massive amounts of data to be processed every minute and you still have the problem of how to you examine and determine risk?


The system that we have isn't perfect, but its far better than it could be and premiums would be a shed load lower if the amount of fluffed up injury claims and people that have "little" bumps caused by not paying attention were reduced.

The same could be said for the number of points you get on your licence, the max should be the max no question no but i need my licence...

Caught on your mobile while driving....that will be your licence from you, your car is confiscated and sold with the processed going towards the roads, uninsured drivers fund(when people are hit by them) etc if the call is so important that you need to speak to them right at that second you can pull over, anything else can wait.

Get your car pulled over, and you have bulbs out everywere, illegal tyres etc bye bye licence, and again bye bye car...

Far too many people see driving as a right, it isn't, it is a privilege, and if everybody drove like that and kept that in mind when they maintain the car they drive, accident and claim rates would drop significantly.

Un