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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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mickR
post Mon, 17 Feb 2020 - 19:30
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QUOTE (cp8759 @ Mon, 17 Feb 2020 - 13:50) *
Why should women cross-subsidise insurance for men?


In my experience they dont. I deal with insurance for the whole family. Not one of the females premiums increased after the ECJ ruling.
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Spandex
post Mon, 17 Feb 2020 - 20:14
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QUOTE (speedfighter23 @ Mon, 17 Feb 2020 - 15:42) *
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.

Individual women can be equally (or more dangerous) than an individual man, obviously. But statistically, taken as a group, women are lower risk. And insurance companies have always (and will always) estimated an individuals risk by putting them into groups with known risk profiles. Insurance companies were told they’re no longer allowed to factor gender into their risk calculations, but it doesn’t change the facts.

QUOTE (mickR @ Mon, 17 Feb 2020 - 19:30) *
In my experience they dont. I deal with insurance for the whole family. Not one of the females premiums increased after the ECJ ruling.

Not sure that stacks up. You’d need to know what the premium would have been if the ruling never happened (which you obviously can’t) in order to judge how it affected it. For example, their premium might have been due to come down that year, but remained the same because of the ruling. Or possibly it didn’t come down as much as it would have because of the ruling.
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mickR
post Mon, 17 Feb 2020 - 22:42
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QUOTE (Spandex @ Mon, 17 Feb 2020 - 20:14) *
QUOTE (mickR @ Mon, 17 Feb 2020 - 19:30) *
In my experience they dont. I deal with insurance for the whole family. Not one of the females premiums increased after the ECJ ruling.

Not sure that stacks up. You’d need to know what the premium would have been if the ruling never happened (which you obviously can’t) in order to judge how it affected it. For example, their premium might have been due to come down that year, but remained the same because of the ruling. Or possibly it didn’t come down as much as it would have because of the ruling.


Sorry to twang your Spandex, it may not stack up jn your household but it does in mine. It wasnt a spurious comment i was stating a fact. Renewals on all policies increased by similar amounts, but there was no cost parity male to female on any of the poicies. Comparison sites all returned similar prices on all policies.
Since when does anyones premium come down in this day and age??
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666
post Tue, 18 Feb 2020 - 07:24
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QUOTE (mickR @ Mon, 17 Feb 2020 - 22:42) *
QUOTE (Spandex @ Mon, 17 Feb 2020 - 20:14) *
QUOTE (mickR @ Mon, 17 Feb 2020 - 19:30) *
In my experience they dont. I deal with insurance for the whole family. Not one of the females premiums increased after the ECJ ruling.

Not sure that stacks up. You’d need to know what the premium would have been if the ruling never happened (which you obviously can’t) in order to judge how it affected it. For example, their premium might have been due to come down that year, but remained the same because of the ruling. Or possibly it didn’t come down as much as it would have because of the ruling.


Sorry to twang your Spandex, it may not stack up jn your household but it does in mine. It wasnt a spurious comment i was stating a fact. Renewals on all policies increased by similar amounts, but there was no cost parity male to female on any of the poicies. Comparison sites all returned similar prices on all policies.
Since when does anyones premium come down in this day and age??

They came down considerably beween 2011 and 2014. See file:///C:/Users/Max/Downloads/car-home-insurance-news-2018-q-4-bipi.pdf
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cp8759
post Tue, 18 Feb 2020 - 08:17
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QUOTE (666 @ Tue, 18 Feb 2020 - 07:24) *
They came down considerably beween 2011 and 2014. See file:///C:/Users/Max/Downloads/car-home-insurance-news-2018-q-4-bipi.pdf

I'm on Linux and my computer doesn't have a C drive.


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Lodesman
post Tue, 18 Feb 2020 - 17:17
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Our (wife and myself) policy premiums have reduced a small amount each year for the last two years with LV.

Using comparison sites on a like for like basis there was little reason to change.

Perhaps one of the very few perks of ageing although I still do 30,000 and my wife 15,000 miles a year.
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Spandex
post Tue, 18 Feb 2020 - 20:19
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QUOTE (mickR @ Mon, 17 Feb 2020 - 22:42) *
Sorry to twang your Spandex, it may not stack up jn your household but it does in mine. It wasnt a spurious comment i was stating a fact. Renewals on all policies increased by similar amounts, but there was no cost parity male to female on any of the poicies. Comparison sites all returned similar prices on all policies.
Since when does anyones premium come down in this day and age??

You weren’t stating a fact, you were making a guess based on the previous years premium. The fact is, you cannot know what they would have charged if the ruling hadn’t been made.

Oh, and I would say my premiums have gone down more years than they’ve gone up, over the years. The renewal price they initially offer has always been higher, but the amount they actually settle on when I’ve called to discuss is often lower than the previous year.
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mickR
post Tue, 18 Feb 2020 - 20:22
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Good for you dry.gif
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mickR
post Wed, 19 Feb 2020 - 09:57
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QUOTE (mickR @ Mon, 17 Feb 2020 - 19:30) *
In my experience they dont. I deal with insurance for the whole family. Not one of the females premiums increased after the ECJ ruling.

QUOTE (Spandex @ Tue, 18 Feb 2020 - 20:19) *
QUOTE (mickR @ Mon, 17 Feb 2020 - 22:42) *
Sorry to twang your Spandex, it may not stack up jn your household but it does in mine. It wasnt a spurious comment i was stating a fact. Renewals on all policies increased by similar amounts, but there was no cost parity male to female on any of the poicies. Comparison sites all returned similar prices on all policies.

You weren’t stating a fact, you were making a guess based on the previous years premium. The fact is, you cannot know what they would have charged if the ruling hadn’t been made


Instead of being agumentative why not read what i actually said.. none of the female premiums increased after the ruling. I dont have to guess at anything. I dont have to know what they would have been. they didnt increase, fact !
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Spandex
post Wed, 19 Feb 2020 - 19:59
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QUOTE (mickR @ Wed, 19 Feb 2020 - 09:57) *
Instead of being agumentative why not read what i actually said.. none of the female premiums increased after the ruling. I dont have to guess at anything. I dont have to know what they would have been. they didnt increase, fact !

I’m not in any way doubting your assertion that they didn’t increase, I’m simply pointing out that you can’t know why they didn’t increase, or what they’d have done if the ruling wasn’t made. And because you can’t know that, you can’t make any judgements about cross-subsidisation based on what happened when the judgement was made.
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mickR
post Wed, 19 Feb 2020 - 20:15
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You dont have to point out anything. I dont need to know whythey didnt increase. I stated a fact. There is no need for discussion, end of. Simples.
I can also make whatever "judgements" i want based on my own experiences. Insurance is still a risk based business and young men are always more expensive to i sure than young women. They were before the judgement and still are after.

This post has been edited by mickR: Wed, 19 Feb 2020 - 20:20
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