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Old 15-01-2013, 10:09 PM   #1
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New EU rules for women's insurance

So the EU have decided that insurance for both men and women should be the same with no discrimination which is fair enough BUT rather than lowering the costs for men and raising it for women so it equals itself out they have just made the prices for women rocket!!! My girlfriend bought a 2010 jcw mini last march and paid 700 for insurance, she got a letter In the post today informing her of the new EU rules and to check her renewal quote which she did and the cheapest she could find was 2600!!! There's no way she can afford to pay that out In one go but the monthly payments are 500 which is ridiculous so now it looks like she is going to have to sell a car which she absolutely loves and hasn't even had for 12 months. Absolute joke
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Old 15-01-2013, 10:15 PM   #2
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IMO mate they pull the figures out of the arse. both mine and my mrs insurance has dropped quite abit this month. im 22 and shes 23.. give admiral a call. they did everything they could do bring are prices down..

Don't spose its much help but worth a try
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Old 15-01-2013, 10:35 PM   #3
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have a look at some bini insurance specialists, buy the bini mag there should be adds in the back, join a bini owners club 10% here and there discounts soon add up ;)
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Old 15-01-2013, 11:04 PM   #4
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See I thought my insurance would go up coz of this new eu but infect I've got quots 60 lower per month than what am paying now... Madness
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Old 15-01-2013, 11:21 PM   #5
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my insurance this year cost 300 less than last year, but I had to shop around. The renewal with Direct Line didn't go down at all, and Direct Line weren't willing to compete.
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Old 15-01-2013, 11:21 PM   #6
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I feel sorry for women now, a friend of mine passed her test on 20th December and got insured that day. If she got insured on 21st December it would have been 1000 more!!!

I'm not complaining for my case though, my insurance for my first year was 4,000 fully comp. This runs out in April and my insurance for my second year with 1 year ncb is 1,300 fully comp, big difference eh!
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Old 16-01-2013, 07:45 AM   #7
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It's all a heap of sh*t insurance figures are a roll of the dice and nothing more. If anybody has ever accepted the first renewal quote a company has given them they need their heads checked hehe.
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Old 16-01-2013, 09:39 AM   #8
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Originally Posted by SkylineTom View Post
I feel sorry for women now, a friend of mine passed her test on 20th December and got insured that day. If she got insured on 21st December it would have been 1000 more!!!

I'm not complaining for my case though, my insurance for my first year was 4,000 fully comp. This runs out in April and my insurance for my second year with 1 year ncb is 1,300 fully comp, big difference eh!
Who in the right mind pays 4000 for a years insurance?!! Ridiculous amount!! I woulda crashed on purpose to get my money's worth!!! 1300 sounds a bit better though! You must be very young and have a heavily modded car?!
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Old 16-01-2013, 10:07 AM   #9
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The law was apparently set up in the EU courts by a woman !!

Too be honest insurance companies are not stupid and if they want to pass other discounts onto low risk lady drivers they will.
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Old 16-01-2013, 02:09 PM   #10
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Who in the right mind pays 4000 for a years insurance?!! Ridiculous amount!! I woulda crashed on purpose to get my money's worth!!! 1300 sounds a bit better though! You must be very young and have a heavily modded car?!
ME UNFORTUNATELY! I had to bite the bullet and do it for my first year (at 17) otherwise i was never going to get on the road and lower the cost of my insurance. I shopped around for months and that was the absolute cheapest I could get! Also wanted my own policy and own no claims so that was it! On a 1 LITRE VW POLO NO MODS!!!!
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Old 16-01-2013, 02:44 PM   #11
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Originally Posted by SkylineTom View Post
ME UNFORTUNATELY! I had to bite the bullet and do it for my first year (at 17) otherwise i was never going to get on the road and lower the cost of my insurance. I shopped around for months and that was the absolute cheapest I could get! Also wanted my own policy and own no claims so that was it! On a 1 LITRE VW POLO NO MODS!!!!
you paid 4000 to drive a 1ltr polo for a year? You've had your pants pulled down massively. I dont know ANYONE who has had to pay that for their first years driving... yeah maybe 1600 or even close to 2k but 4000 ...really?! thats just perverse

okay its official... insurance is becoming stupidly overpriced. Pretty soon nobody will be driving and the glut of money insurers have really enjoyed soaking up will dry out.

"your all going to wonder how you lived so large and left so little for the rest of us"
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Old 16-01-2013, 02:50 PM   #12
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Originally Posted by SkylineTom View Post
ME UNFORTUNATELY! I had to bite the bullet and do it for my first year (at 17) otherwise i was never going to get on the road and lower the cost of my insurance. I shopped around for months and that was the absolute cheapest I could get! Also wanted my own policy and own no claims so that was it! On a 1 LITRE VW POLO NO MODS!!!!
As said above that is just ridonculous moneyl!!!
What 17 year old has 4k floating around?!
Think at 17 I had a 1.2 punto on my own for about 900 TPFT mind. What would yours have been TPFT?

Now I've seen everything!
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Old 16-01-2013, 03:06 PM   #13
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Originally Posted by vangeezer View Post
Who in the right mind pays 4000 for a years insurance?!! Ridiculous amount!! I woulda crashed on purpose to get my money's worth!!! 1300 sounds a bit better though! You must be very young and have a heavily modded car?!
I paid 3600 last year because I crashed my Skyline, this year it was 700.

3600 seems a lot but to get insured on a low end Golf last year would have still cost me 2200.

Insurance overall is stupidly expensive, I paid all my costs for the crash out my own pocket as well so I overpaid twice technically.

The whole insurance industry needs an overhaul.
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Old 16-01-2013, 03:10 PM   #14
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The majority of insurance costs is due to fraud, not greed on the part of the insurers. I'm sure I read somewhere that the profit is only about 5% which is a lot less than most businesses. If you've paid 600 with a company for a year, claim for 4000 and go elsewhere, what choice do you think the insurer has but to up prices? I'm aware that everyone is trying to save money, but I think it's a little more than just greed.

Sorry if I come across as aggressive, but I work in the industry and I'm bored of people saying that insurance is just a scam, 'cause I've not seen a penny of it. It all goes to claim costs.
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Old 16-01-2013, 03:35 PM   #15
Car work on a budget, a very SMALL budget :(
 
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I work in the industry as well, some of it is legitimate but quite frankly a lot of it isn't.

The insurers don't do enough to stop fraud for the most part and by selling your details on to make a profit after you crash they are also shooting themselves in the foot because everyone else does it and the insurers end up having to pay out for personal injury claims.

Greed got them in this situation in the first place, I think its about time car insurance and personal injury insurance became totally separate things.

The main thing for me is the fact that my insurance company sold my data on and now I get maybe 10 calls a week from ambulance chasers asking if I had other people in the car with me when I crashed.

a. No I didnt and the insurance company know this but sold the data on anyway.
b. Why the hell would I allow a personal injury claim against myself, like I am going to say "oh yes there was".

Its pathetic, my crash cost me around 6000 because of insurance inflation despite me paying my costs myself.

Its a total mess, something needs to be done.
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