Insurance Renewal |
Insurance Renewal |
Wed, 12 Feb 2020 - 16:53
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#1
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Member Group: Members Posts: 477 Joined: 29 Jul 2019 Member No.: 104,999 |
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 -------------------- 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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Wed, 12 Feb 2020 - 16:53
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Wed, 12 Feb 2020 - 16:57
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#2
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Member Group: Members Posts: 3,300 Joined: 17 Jun 2011 Member No.: 47,602 |
Google "De Minimis Non Curat Lex".
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Wed, 12 Feb 2020 - 17:00
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#3
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Member Group: Members Posts: 477 Joined: 29 Jul 2019 Member No.: 104,999 |
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 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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Wed, 12 Feb 2020 - 17:41
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#4
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Webmaster Group: Root Admin Posts: 8,205 Joined: 30 Mar 2003 From: Wokingham, UK Member No.: 2 |
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.
-------------------- Regards,
Fredd __________________________________________________________________________
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Wed, 12 Feb 2020 - 18:58
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#5
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Member Group: Life Member Posts: 24,212 Joined: 9 Sep 2004 From: Reading Member No.: 1,624 |
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).
-------------------- Andy
Some people think that I make them feel stupid. To be fair, they deserve most of the credit. |
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Wed, 12 Feb 2020 - 20:51
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#6
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Member Group: Members Posts: 41,503 Joined: 25 Aug 2011 From: Planet Earth Member No.: 49,223 |
I'm sure someone will sell you insurance for 2 minutes
-------------------- 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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Thu, 13 Feb 2020 - 11:06
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#7
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Member Group: Members Posts: 477 Joined: 29 Jul 2019 Member No.: 104,999 |
I'm sure someone will sell you insurance for 2 minutes 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! -------------------- 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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Thu, 13 Feb 2020 - 18:50
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#8
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Member Group: Members Posts: 720 Joined: 11 May 2014 Member No.: 70,566 |
I'm sure someone will sell you insurance for 2 minutes 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... -------------------- I reserve the right to be wrong.
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Thu, 13 Feb 2020 - 19:00
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#9
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Member Group: Members Posts: 41,503 Joined: 25 Aug 2011 From: Planet Earth Member No.: 49,223 |
I'm sure someone will sell you insurance for 2 minutes 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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Thu, 13 Feb 2020 - 19:02
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#10
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Member Group: Members Posts: 7,234 Joined: 5 Jan 2007 From: England Member No.: 9,919 |
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 |
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Thu, 13 Feb 2020 - 19:38
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#11
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Member Group: Members Posts: 683 Joined: 19 Jul 2017 Member No.: 93,086 |
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Thu, 13 Feb 2020 - 20:45
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#12
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Member Group: Members Posts: 3,140 Joined: 19 Jun 2004 From: Surrey Member No.: 1,326 |
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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Thu, 13 Feb 2020 - 22:45
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#13
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Member Group: Members Posts: 477 Joined: 29 Jul 2019 Member No.: 104,999 |
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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Sat, 15 Feb 2020 - 18:26
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#14
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Member Group: Members Posts: 38,006 Joined: 3 Dec 2010 Member No.: 42,618 |
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. -------------------- If you would like assistance with a penalty charge notice, please post a thread on https://www.ftla.uk/index.php
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Sat, 15 Feb 2020 - 18:41
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#15
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Member Group: Life Member Posts: 24,212 Joined: 9 Sep 2004 From: Reading Member No.: 1,624 |
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). -------------------- Andy
Some people think that I make them feel stupid. To be fair, they deserve most of the credit. |
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Sat, 15 Feb 2020 - 20:26
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#16
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Member Group: Members Posts: 38,006 Joined: 3 Dec 2010 Member No.: 42,618 |
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... 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 -------------------- If you would like assistance with a penalty charge notice, please post a thread on https://www.ftla.uk/index.php
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Sun, 16 Feb 2020 - 12:05
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#17
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Member Group: Members Posts: 477 Joined: 29 Jul 2019 Member No.: 104,999 |
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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Mon, 17 Feb 2020 - 13:50
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#18
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Member Group: Members Posts: 38,006 Joined: 3 Dec 2010 Member No.: 42,618 |
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. -------------------- If you would like assistance with a penalty charge notice, please post a thread on https://www.ftla.uk/index.php
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Mon, 17 Feb 2020 - 15:42
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#19
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Member Group: Members Posts: 477 Joined: 29 Jul 2019 Member No.: 104,999 |
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! 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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Mon, 17 Feb 2020 - 15:44
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#20
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Member Group: Members Posts: 898 Joined: 8 Aug 2006 Member No.: 7,035 |
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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