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Insurance Renewal
speedfighter23
post Wed, 12 Feb 2020 - 16:53
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Quick one guys,

looks like my insurance is expiring at 23:59 on 13 and my new cover with another company is starting 00:01 on 14. Does this mean I am uninsured for 2 minutes? So I have to buy cover starting from 13 not 14 to not be potentially in trouble?

I just find it stupid to pay for an extra day's insurance when I don't need to if I can get away with it and not have the new cover start on 13.

This post has been edited by speedfighter23: Wed, 12 Feb 2020 - 16:55


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post Wed, 12 Feb 2020 - 16:53
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666
post Wed, 12 Feb 2020 - 16:57
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Google "De Minimis Non Curat Lex".
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speedfighter23
post Wed, 12 Feb 2020 - 17:00
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haha thanks for that!

my latin is terrible. would be funny if my car got stolen at 00:00 or the police stopped me and said i don't have insurance!

This post has been edited by speedfighter23: Wed, 12 Feb 2020 - 17:01


--------------------
Police Speeding Fines - Police 1 - speedfighter23 0
TFL traffic contraventions 0 - speedfighter23 2
Kensington and Chelsea 0 parking contraventions - speedfighter23 1
Brighton and Hove parking 0 - speedfighter23 1
Private PCN - Private Parking Solutions Limited 0 - speedfighter23 1

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0 TFL - speedfighter23 1

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Fredd
post Wed, 12 Feb 2020 - 17:41
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Those times are just to make the end and start dates unambiguous. In practice the policies run to/from midnight, so there's no gap.


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andy_foster
post Wed, 12 Feb 2020 - 18:58
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There is no such time as midnight on 13th February (or 14th February for that matter), much as there is no such time as 12 o'clock am or pm. There are conventions adopted by some which seek to avoid the ambiguity inherent in expressing non-existent times, but the 00.01 - 23-59 convention is arguably far less ambiguous (and far easier to determine what was intended if you are not familiar with the convention).


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Jlc
post Wed, 12 Feb 2020 - 20:51
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I'm sure someone will sell you insurance for 2 minutes wink.gif


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Private Parking - remember, they just want your money and will say almost anything to get it.
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speedfighter23
post Thu, 13 Feb 2020 - 11:06
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QUOTE (Jlc @ Wed, 12 Feb 2020 - 20:51) *
I'm sure someone will sell you insurance for 2 minutes wink.gif


Joking aside Aviva increased my price by 10% for renewal despite no claims and no points on my licence, so i will be cancelling that auto-renew and going QuoteMeHappy.com!


--------------------
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Kensington and Chelsea 0 parking contraventions - speedfighter23 1
Brighton and Hove parking 0 - speedfighter23 1
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thisisntme
post Thu, 13 Feb 2020 - 18:50
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QUOTE (speedfighter23 @ Thu, 13 Feb 2020 - 11:06) *
QUOTE (Jlc @ Wed, 12 Feb 2020 - 20:51) *
I'm sure someone will sell you insurance for 2 minutes wink.gif


Joking aside Aviva increased my price by 10% for renewal despite no claims and no points on my licence, so i will be cancelling that auto-renew and going QuoteMeHappy.com!


Who ironically are owned by Aviva...


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Jlc
post Thu, 13 Feb 2020 - 19:00
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QUOTE (speedfighter23 @ Thu, 13 Feb 2020 - 11:06) *
QUOTE (Jlc @ Wed, 12 Feb 2020 - 20:51) *
I'm sure someone will sell you insurance for 2 minutes wink.gif


Joking aside Aviva increased my price by 10% for renewal despite no claims and no points on my licence, so i will be cancelling that auto-renew and going QuoteMeHappy.com!

The premiums are not related as such to your claims/endorsements (as it’s based upon submitted claims from others and their risk consideration) - but ring them up and tell them you’ll leave if they don’t do a better price often works. If not, leave...

Being a year older can change the risk - up or down!

This post has been edited by Jlc: Thu, 13 Feb 2020 - 19:05


--------------------
RK=Registered Keeper, OP=Original Poster (You!), CoFP=Conditional Offer of Fixed Penalty, NtK=Notice to Keeper, NtD=Notice to Driver
PoFA=Protection of Freedoms Act, SAC=Safety Awareness Course, NIP=Notice of Intended Prosecution, ADR=Alternative Dispute Resolution
PPC=Private Parking Company, LBCCC=Letter Before County Court Claim, PII=Personally Identifiable Information, SAR=Subject Access Request

Private Parking - remember, they just want your money and will say almost anything to get it.
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mickR
post Thu, 13 Feb 2020 - 19:02
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Insurance is strange,
Shielas wheels aimed at ladies obviously were the cheapest for my son,
Esure were cheapest for wife and daughter ???
Esure own Shielas wheels huh.gif
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rosturra
post Thu, 13 Feb 2020 - 19:38
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QUOTE (andy_foster @ Wed, 12 Feb 2020 - 18:58) *
There is no such time as midnight on 13th February (or 14th February for that matter), much as there is no such time as 12 o'clock am or pm.


Nonsense.

If I set my alarm for 00:00 - will it not go off?
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Ocelot
post Thu, 13 Feb 2020 - 20:45
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QUOTE (Jlc @ Thu, 13 Feb 2020 - 19:00) *
The premiums are not related as such to your claims/endorsements (as it’s based upon submitted claims from others and their risk consideration)


I wish that was the case for pet insurance too. Renewal for one of the cats 39.99 per month up from 21.49 because I claimed last year.
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speedfighter23
post Thu, 13 Feb 2020 - 22:45
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Insurance is surely one of the biggest 'shark' scam industries in the UK today. It really is miserable having to haggle every year with wildly different premiums, or differences in price between saying 'sales executive' and 'account executive', which as far as I am concerned is the same thing!

This post has been edited by speedfighter23: Thu, 13 Feb 2020 - 22:46


--------------------
Police Speeding Fines - Police 1 - speedfighter23 0
TFL traffic contraventions 0 - speedfighter23 2
Kensington and Chelsea 0 parking contraventions - speedfighter23 1
Brighton and Hove parking 0 - speedfighter23 1
Private PCN - Private Parking Solutions Limited 0 - speedfighter23 1

Tyre Puncture Pothole Claims:
0 Buckinghamshire Council - speedfighter23 1
0 TFL - speedfighter23 1

Result Pending:

1 Islington Council tyre puncture claim
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cp8759
post Sat, 15 Feb 2020 - 18:26
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QUOTE (speedfighter23 @ Thu, 13 Feb 2020 - 22:45) *
Insurance is surely one of the biggest 'shark' scam industries in the UK today.

What's the alternative, forcing insurers to treat all motorists the same? That would be absurd, as it means punishing the savvy consumer and favouring the lazy consumer. Same reason why the price cap has caused energy prices to go up rather than down.


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andy_foster
post Sat, 15 Feb 2020 - 18:41
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QUOTE (cp8759 @ Sat, 15 Feb 2020 - 18:26) *
QUOTE (speedfighter23 @ Thu, 13 Feb 2020 - 22:45) *
Insurance is surely one of the biggest 'shark' scam industries in the UK today.

What's the alternative, forcing insurers to treat all motorists the same? That would be absurd, as it means punishing the savvy consumer and favouring the lazy consumer. Same reason why the price cap has caused energy prices to go up rather than down.


Not being able to take advantage of non-savvy customers is absurd? You might want to have a word with the ECJ about that as they have all sorts of wacky ideas about businesses having a duty to treat consumers fairly, etc.

BTW, the alternative to being allowed to take advantage of non-savvy customers is not to treat all motorists the same - it is largely still acceptable to charge them according to their perceived risk profile (except when the risk profiles include protected characteristics).


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cp8759
post Sat, 15 Feb 2020 - 20:26
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QUOTE (andy_foster @ Sat, 15 Feb 2020 - 18:41) *
Not being able to take advantage of non-savvy customers is absurd? You might want to have a word with the ECJ about that as they have all sorts of wacky ideas about businesses having a duty to treat consumers fairly, etc.

Taking advantage of non-savvy customers allows you to offer better prices to savvy customers (i.e. me). It's the same as getting free banking which is cross-subsidised by people who dip into their overdraft all the time because they have poor financial management skills. I did all I could within my very limited powers to ditch the ECJ altogether, 320 days to go...

QUOTE (andy_foster @ Sat, 15 Feb 2020 - 18:41) *
BTW, the alternative to being allowed to take advantage of non-savvy customers is not to treat all motorists the same - it is largely still acceptable to charge them according to their perceived risk profile (except when the risk profiles include protected characteristics).

Again, if companies (not just insurers, telecoms, utilities, the lot) cannot cross-subsidies frequent switches by charging more to people who don't bother shopping around, literally all my outgoings will go up. Hence I am not at all in favour of such well-meaning regulations.

This post has been edited by cp8759: Sat, 15 Feb 2020 - 20:26


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speedfighter23
post Sun, 16 Feb 2020 - 12:05
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QUOTE (cp8759 @ Sat, 15 Feb 2020 - 18:26) *
QUOTE (speedfighter23 @ Thu, 13 Feb 2020 - 22:45) *
Insurance is surely one of the biggest 'shark' scam industries in the UK today.

What's the alternative, forcing insurers to treat all motorists the same? That would be absurd, as it means punishing the savvy consumer and favouring the lazy consumer. Same reason why the price cap has caused energy prices to go up rather than down.


I didn't mean that, i meant not taking advantage of customers and making it simpler! As in I didn't crash this year, no points either, so technically I am lower risk, price should go down not up!

And this mileage thing, how am I supposed to know how many miles I do exactly? It can change from day to day depending on my mood!

Yes, if you are young, 30% surcharge, not 500000% percent, especially if you haven't even crashed yet!

Also none of this profession joke, oh i am an account executive not a sales representative, so the price must change!

The EU did intervene, it banned charging according to gender, which is obviously gender discrimination regardless of the risk profile.

I think it is also unfair for people living in dodgy areas to pay more, there should just be a national risk overall regardless of your address for car theft, vandalism, etc.


So insurance should be priced according to simple factors, experience, price of the car, level of cover and really that should be it!


--------------------
Police Speeding Fines - Police 1 - speedfighter23 0
TFL traffic contraventions 0 - speedfighter23 2
Kensington and Chelsea 0 parking contraventions - speedfighter23 1
Brighton and Hove parking 0 - speedfighter23 1
Private PCN - Private Parking Solutions Limited 0 - speedfighter23 1

Tyre Puncture Pothole Claims:
0 Buckinghamshire Council - speedfighter23 1
0 TFL - speedfighter23 1

Result Pending:

1 Islington Council tyre puncture claim
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cp8759
post Mon, 17 Feb 2020 - 13:50
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Why should women cross-subsidise insurance for men? Why should people in safe areas cross-subsidise people living in dodgy areas?

These are all factors that have a proven impact on the likelihood of a claim so I don't see why these factors shouldn't be reflected in the price.


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speedfighter23
post Mon, 17 Feb 2020 - 15:42
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Company called me to compare quotes, they offered a price triple that of my best quote. It's really amazing the quote differences, imagine going to a mobile phone provider or electricity provider and getting offered triple the price for the same service.

Does it happen? No, only in the shark insurance industry!

QUOTE (cp8759 @ Mon, 17 Feb 2020 - 13:50) *
Why should women cross-subsidise insurance for men? Why should people in safe areas cross-subsidise people living in dodgy areas?

These are all factors that have a proven impact on the likelihood of a claim so I don't see why these factors shouldn't be reflected in the price.


Because it's discrimination, that's why the EU banned the men-woman thing. Woman can be equally dangerous as men, if not more dangerous! There are good women drivers, and good men drivers, so paying more just because you are a man is ridiculous.



--------------------
Police Speeding Fines - Police 1 - speedfighter23 0
TFL traffic contraventions 0 - speedfighter23 2
Kensington and Chelsea 0 parking contraventions - speedfighter23 1
Brighton and Hove parking 0 - speedfighter23 1
Private PCN - Private Parking Solutions Limited 0 - speedfighter23 1

Tyre Puncture Pothole Claims:
0 Buckinghamshire Council - speedfighter23 1
0 TFL - speedfighter23 1

Result Pending:

1 Islington Council tyre puncture claim
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peodude
post Mon, 17 Feb 2020 - 15:44
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QUOTE (speedfighter23 @ Sun, 16 Feb 2020 - 12:05) *
The EU did intervene, it banned charging according to gender, which is obviously gender discrimination regardless of the risk profile.

I think it is also unfair for people living in dodgy areas to pay more, there should just be a national risk overall regardless of your address for car theft, vandalism, etc.


So insurance should be priced according to simple factors, experience, price of the car, level of cover and really that should be it!


I wonder what would the statistics for males v females for Dangerous Driving and Driving without due care and attention are. I've got a pretty good idea what it would be.

When was the last time you saw Traffic Cops or similar where a female made off from the police.
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