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General => General => Topic started by: YamFazFan on 22 November 2015, 07:14:16 pm

Title: Interesting insurance statistic
Post by: YamFazFan on 22 November 2015, 07:14:16 pm

According to this, drivers who also held a motorcycle insurance policy were 23% less likely on average to make a claim on their policy ;)...

http://www.cambriantyres.co.uk/do-motorcyclists-make-better-drivers/ (http://www.cambriantyres.co.uk/do-motorcyclists-make-better-drivers/)

Title: Re: Interesting insurance statistic
Post by: Freck on 22 November 2015, 09:26:43 pm

It won't make any difference, they'll never offer us a discount because they're a bunch of money grabbing foccers! :o
It'd be good if they could offer policies to cover car and bike together though  :)

Title: Re: Interesting insurance statistic
Post by: BBROWN1664 on 23 November 2015, 08:53:04 am

:agree

Their so called intelligence systems that make each quote unique to an individual based on that individuals actual risk will not allow them to consider things that reduce risk, only things that increase the risk.

Title: Re: Interesting insurance statistic
Post by: celticdog on 23 November 2015, 12:50:00 pm

Yes, You end up doing all the admin work for them and they still use any excuse they can find not to pay out!
Latest one on telephone quotes is to ask if you've been on a 'speed awareness course' cheeky foccers!

Title: Re: Interesting insurance statistic
Post by: BBROWN1664 on 23 November 2015, 03:20:29 pm

:agree

Speed awareness courses are not meant to count against you but insurance companies will use them against you.

Title: Re: Interesting insurance statistic
Post by: Robbie8666 on 23 November 2015, 03:26:18 pm

ok so if I had points they are active on my licence for 3 years and wiped off after 4 but we have to declare the last 5 years worth... why ?
 
also (as far as I am aware and standby to be corrected!) you can only do 1 speed awareness course every 3 years - so I suppose it's like having the points time frame wise! so why would an insurance company need to know if they are not "live"?
 
If you fail to tell then or avoid the question would that invalidate your insurance? how can they prove it? if they can prove it then why do they need to ask you?
 
 

Title: Re: Interesting insurance statistic
Post by: BBROWN1664 on 23 November 2015, 03:30:20 pm

Robbie. One at a time.

To see if you are a higher risk
yes
ASk to see your licence
To check your honesty.