Insurance ranting

[jtbo]

So, I pay insurance of my cars, 369 euros for a 1/4 year, I think that I relax for 3 months but no, they send new one, which is due by beginning of April, that is bloody 2 months only and then I look how much _this_ time, 564 euros, there is a note saying they have refined insurance costs to better reflect risk coverage or something like that

#¤%¤#¤"%¤#T#%", I "¤¤%#¤%3"%"¤%&#%&""# can't drive more than ¤"#¤%¤#%#¤% one car at time, so why in ¤#¤%R"# I must pay full and so quickly increasing sum of money to them as my cars are just sitting on my privately owned private property where leads only private road so there can't be any traffic accidents?

Those don't even have any extra coverage, just basic traffic insurance.

Also if I like to put car on hold, so tax is greatly reduced and using car on road is not possible, it will require me to go to MOT office (that is 20 miles there and 20 miles back) with all the papers, I need to pay many euros and spend hour or so waiting in line and waiting to get all paperwork done, which I don't have time to do.

It used to be so that I could log in to my pages at insurance company and fill in simple short form and that was all, there was no additional fees or anything like that, but no, they had to make it much more complicated and expensive and only because some people wanted to save few euros in tax so now they don't pay tax from time car insurance is on hold, but they pay many other expenses, which generates VAT (ALV in here) to at least compensate loss of government income, maybe that even generates more income.

Totally stupid, imo.

I would like to pay only from my personal insurance, which I could use with any car that I have, without need of making ton of paperwork and paying zillion euros to who knows where.

Also I would like to strangle someone from this stupidity

[volvosneverdie]

sounds even worse than jolly old england.

i got a quote for ninety nine thousand, nine hundred and ninety nine pounds and ninety nine pence for my car with a 16v fitted, all mods declared, through confused.com
mind you, that was the highest.
the lowest was under a thousand.

i dont know who directs the insurance industry, but im sure a touch of strangulation would do them the world of good.

[jtbo]

To get more pissed, I did check how much quote would be if I would be living in US, Palo Alto CA to be more specific.

Of course US don't have shitty french FWD cars, they just don't exists in there, also they never got 360 or 340, so I had to chose 240 and Ford Escort LX (Focus Wagon), but I guess price does not go far off. Anyways, I got quote of $789 for full year, that is 547 in queen's money for four(4) cars and without no claims bonuses as I believe they don't have similar system.

That price is less than you guys are paying from cheapes quote to insure single 360 I belive? It is not much more from what I have to pay from 360, I think it was around 500 euros for a year. And that is CA, probably the most anti car state in US, where you will get fines if your car is lower than standard, it does not matter if it is because you have a piano in trunk or if springs are just tired, you will get fined, don't even think about replacing exhaust tip, yep, you will get fined from that too, but it is ok to swap V8 in, if it passes smog test that is ok to do

They don't need several insurances for several cars, they all are within one insurance.

[volvosneverdie]

One insurance for as many cars as you like!?
No extra cost?!

Im moving to CA.

[jtbo]

One insurance for as many cars as you like!?
No extra cost?!

Im moving to CA.

There are some extra costs, but that is not like ours that even if you would have maximum no claims bonuses for a car, then you get another car, you will start of without no claims bonuses and will pay full price. One have to build up noclaims bonuses for very very long time, I have driven well over 1 Million miles without single incident that would of lower my bonuses, but still I have to start building up bonuses from 0 for every car I buy. Of course I can transfer bonuses from car to another if I sell a car, but it is hard to collect cars if you always sell one away when you get new one.

In US they look whole picture, if there is only one driver in family, you will pay only from one car (I think rate goes by some upwards skewed average) + some minor costs for other cars and prices are really lot less than here, drivers are much worse and speeds in crashes higher, but still lower costs.

Our insurance system is ripoff, filled with silly bureaucracy that alone ramps costs higher. I'm looking to find some foreign insurance company from EU area that would give reasonable quotes in here, sooner or later those should enter to our markets as markets will eventually free up.

[germ]

Insurance is funny.. or not.. i pay 575£ or so a year on the clio ..my dad payed 120euros on my volvo...i was a lot higher.. his bmw was 25 euros a year on classic insurance!!(as a second car) it was like 80pounds a year in england..the volvo with mods declared in england is around £1000 a year. still have to check it in france. they tryed to put up my insurance on the clio from 575 to £875 ish!! ...1 very big moan later and its cool. got it back down. im not loving insurance at the moment.. as im not driving due to other costs!! lol

[trabitom99]

There is a kind of "classic car collection" insurance over here, where you pay one sum for your whole collection. You can also drive these cars on one plate too, so you only pay tax once. However, this is restricted to classics over 30 years old only, and the restrictions are pretty tight - you're only supposed to drive to classic car meets, and for servicing for example

For the 360 we pay 310 Euros 3rd party, 12000kms/yr, parked in the street, any driver over 25, lots of no claims bonus.
For the 343 it's only 40 Euros or so, but 1500kms/yr, "seasonal" plate for only 6mths in the year, garaged, no daily use etc ...

Tom

[jtbo]

We have one too, museum car registration (direct translation) or something like that, car must be in same condition as if it would be new, you are only allowed to drive something ridiculously low miles in a year, but I think it is bit more free than system you have in Germany as ours don't limit where you drive, but it limits how much you are allwed to drive and 90 days was maximum per year if I remember correctly.

They probably up classic car age soon again, they have done it before and I believe they will do it again.

[trabitom99]

The "classic age" for tax here is 30 years (it's not set to a specific model year as in the UK ('73?)or Holland (the 25-year will be fixed at around '85 / '86 IIRC?)). As for insurance, it depends on the insurance company. For some, it's 30+, for others 20+, again others even less if it is a very special model.

As for the 1500km restriction I imposed that on myself because it was the cheapest Up to 10000 per yr would be possible, but it would cost more too.

Tom

[jtbo]

I wonder how much 70 000km in a year would cost then

How they control how much one drives?

I just happened to think that there are awful lot of cars on sale at Germany which are very low mileage, maybe it is common to turn odometer bit backwards? One other thing I have heard is that in Germany it would be commonly thought that 200 000km is car's life.

It is actually quite interesting with all these different systems, it is always a shock when moving to other contry, insurance does not work at all how one has learned

I did remember wrong how our classic car system was, driving is allowed only for 30 days in year.

Age is really ankward definiton, it has to be 30 years old and that 30 years is checked so that it has to be 30 years since end of year when car was made. So if car is made in January, 30 years is counted starting from year after that, not from year car was made. Why it can't be then simply 31 years old cars ?

Anyway, car has to pass special MOT where it is checked that engine bay or boot is not dirty and chrome trim is not worn or paint faded and such very important things. Optional equipment of that era are possible to add, but only limited amount, which probably depends from who is doing MOT more than anything else.

So after that is ok, then one can start finding insurance company that gives some silly quote for car, which is of course not 1/12th of full year price but more like 1/4th or so.

My logic and reason is not keeping up with all these insurance policies really, I can understand system used in CA, but our system is just too much. As pleasant as nails making noises on chalkboard.

[redline]

I have never been one for these comparison sites we have over here but had ten minutes to spare so hey

I am with direct line paying £607.00 for the trajet,
that includes
no claims discount protection
roadside recovery
legal protection
courtesy car
windscreen cover
+ a £61 extra because I pay monthly

HSBC came up with an identical cover policy for £419.06
a saving of £190 for 10 minutes work

[hatch360]

its crap like this which is why im glad that I dont have insurance. Yes I am aware of the consequences if anything happens......

[OapEM]

For once I am happy with my policy on a car ('84 360) It is £210 a year TPFT on some limited mileage (6K) classic policy. I'm 26 and although I have 4 years NCB they aren't using it as they said I am already getting all of the discounts so would make no difference! I will still earn NCB with this policy also, but it means if I was to take out a second policy for my other car (lol one day) I could use my NCB there. I don't live in a great area and the car is kept on the road. I was very surprised

I agree though, insurance/DVLA BS usually sucks tramps balls! For once thought it seems the UK doesn't have it so bad.

[volvosneverdie]

For once I am happy with my policy on a car ('84 360) It is £210 a year TPFT on some limited mileage (6K) classic policy. I'm 26 and although I have 4 years NCB they aren't using it as they said I am already getting all of the discounts so would make no difference! I will still earn NCB with this policy also, but it means if I was to take out a second policy for my other car (lol one day) I could use my NCB there. I don't live in a great area and the car is kept on the road. I was very surprised

I agree though, insurance/DVLA BS usually sucks tramps balls! For once thought it seems the UK doesn't have it so bad.

whod you go through dude?
they give you classic on a one car policy? (lots are second car, limited milage only)
Good quote that though. Be interested to see what theyd do for me.

[OapEM]

Just running out the door to school mate...

Was the cheapest on a price comparison site (don't normally use but came up trumps) Insurer is Lancaster.

Will get more info for you next time I'm on Obe wan