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How do they work prices out?

Discussion in 'Get it off your chest' started by EX Mod Cog, Nov 26, 2008.

  1. EX Mod Cog

    EX Mod Cog Keyboard Hero

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    Getting more quotes for car insurance, I have come to the conclusion that it makes NO sense and quotes are not based on any logic.

    Exactly how do they work their prices out?

    The results are in fact returned from a random number generator.

    For example, I get a quote without Pass Plus, and it's cheaper than with it? How does this make any sense at all?

    :mad::mad:
     
  2. steve410

    steve410 Big Poster

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    It is a strange one,I think they just try to grab what they think they can get away with :confused:
     
  3. EX Mod Cog

    EX Mod Cog Keyboard Hero

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    Clearly, because for a Citroen BX which is as far from a boy racer car as you can get, and with an underpowered 1.6 petrol engine it's over £2000. The car is worth a fraction of that!
     
  4. steve410

    steve410 Big Poster

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    Its not the value of the car,its because of your age and inexperience at driving.You only have to tap a Porsche up the bum and it costs them a fortune :D Bite the bullet if you can afford it, the premiums will come down if you can manage to keep hold of your N.C.B.:up:
     
  5. EX Mod Cog

    EX Mod Cog Keyboard Hero

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    Yeah I know that, but I'm highlighting how ridiculous it is. The thing is, I can't afford all that money in one big lump. The other option is to pay monthly, and this way they charge more (the b*stards) :down:
     
  6. a1gunner

    a1gunner Pro Poster

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    well there are drivers out there that i am amased that passed their tests.

    i just went out and was folowing a car than never did more than 45 (on main roads)

    and then when it turned off it did a sudden stop then turned on the indicator:rolleyes:

    and i'm the dangerous one:rolleyes:
     
  7. andyhawkx3

    andyhawkx3 Major Poster

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    One of the main reason,s the insurance is so high, is all the bogus claims, going in, rear end shunts....the con artists were doing it to buses around here, pull in front of buses, then slamming the brakes on, cog you wouldn't have seen it, you don't watch ITV...interceptors are on tonight (Police evo's an scoobies:busted:, good viewing)
     
  8. a1gunner

    a1gunner Pro Poster

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    Fiat Punto's go quite fast, evo's must be hellish fun to drive:D:p

    (I dont speed.....alot)
     
  9. andyhawkx3

    andyhawkx3 Major Poster

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    Bin in me mates there awesome, they are really good cars, the speed of a 911, at a fraction of the price:D
     
  10. i8allthepies

    i8allthepies Posting Addict

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    First off, they look up what insurance group your car is in.
    Next they factor in your age, sex, and years of experience.
    Then they make a calculation based on your postcode.
    Next up, they look at your profession
    Then they deduct any introductory offers and no-claims bonus
    Lastly, they throw all that Censored in the bin and try to work out just how big a plum you are:D:up::D
     
  11. Pedley86

    Pedley86 Well-Known Member

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    Because of my age my car is insurance group 41.
    Just good that i dont pay it on the busness insurance:D
     
  12. a1gunner

    a1gunner Pro Poster

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    as long as i buy commercial vechiles i can have it on fleet insurance:D

    it's okay. i like vans and pick up trucks:D
     
  13. Pedley86

    Pedley86 Well-Known Member

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    I hate driving the van its just so slow theres no point in it having first gear:(lol
     
  14. a1gunner

    a1gunner Pro Poster

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    thats the crawler for going up hill from stop.
    downhill start in 2nd and lift the clutch as you build speed:D:up:
     
  15. Pedley86

    Pedley86 Well-Known Member

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    I no yeah its just im normally driving my car and its a bit different.
     
  16. dlloyduk

    dlloyduk Well-Known Member

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    Got both me car and bike insurance through these http://www.swiftcover.com/?CID=001 this year after both me car and bike went up more than £100 each-and for no reason whatsoever! Just a try on I reckon as I,d been with them both for three years.
     
  17. simply james

    simply james Banned

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    they ask what your last quote was,and then stick another£150 on
     
  18. a1gunner

    a1gunner Pro Poster

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    its not you just got to remember that theres a little more behind you:D
     
  19. simply james

    simply james Banned

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    there con men,there like mps and estate agents
     
  20. andyhawkx3

    andyhawkx3 Major Poster

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    Sorry my mistake Channel 5, not ITV:D...its on now
     

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