The grumpy thread

[Guest Hooli]

Ageist? It’s based on statistics from previous claims that show young drivers are involved in significantly more claims.

Aye that and they are fully aware a lot of youngsters change cars as they crashed the last one but didn't claim. I know I did several times.

[danthecapriman]

Ageist? It’s based on statistics from previous claims that show young drivers are involved in significantly more claims.

True, but the way things are with sky high unrealistic prices the insurance companies are punishing young people before they’ve done anything wrong. Many young people don’t drive like twats and don’t have accidents. I never did. It’s also encouraging youngsters to not bother paying for insurance in the first place.

 

They should be realistic price wise until an accident occurs then punish through pricing accordingly, not shaft everyone because of a minority of idiots.

Besides that, there’s absolutely shit loads of older people that drive like pricks too yet get cheap insurance...

[The Moog]

 

 

If I wasn't paying for no claims protection goes out otherwise. .

Why pay for this?

 

I had it in the past and yes you keep you NCB but in actuality the quote goes up anyway if you had an accident. I queried it and they still load the premium over the discount.

 

I would have minded less but for the fact someone went into the back of me!

[The Moog]

 

 

True, but the way things are with sky high unrealistic prices the insurance companies are punishing young people before they’ve done anything wrong. ...

I disagree with this. It always has been expensive for young males - mainly caused they crash into things.

 

My first insurance in 1995 was £1500 a year. I don't things have changed that much price wise.

[danthecapriman]

I paid well under a grand in 2001 for a 1.6 Capri...

 

Guy I work with paid about £2500 as an 18 year old for a 1.4 Polo! It’s a piss take and it’s not fair.

Youngsters should pay more, no doubt, because of the higher risk but that sort of figure is unrealistic. This guy was trying to pay for that on an apprentice wage too which made things pretty difficult for him.

It’s assuming everyone is guilty until they prove they’re not.

[sierraman]

There’s sensible young drivers and there’s idiots. Ironically the idiots seem to be knocking about in some ‘nice’ cars, 7-8 year old Audi’s or Mercs, Christ knows what the insurance premiums are for them, I’d think a 20 year old driving an Audi turbo tuned up to fuck coked up nutter bastard A4 diesel would cost thousands to insure. Back when I passed my test my mates older brother had a 12 year old Sierra XR4x4, that was considered back then, a nice car. He’d be about 20/21 and I remember him telling me the insurance was mental on it.

[GrumpiusMaximus]

I know a lot of young people with cars and these 'black boxes' are the scam that keeps giving, as far as the insurance companies are concerned.  They promise they'll lower your quote if you drive 'sensibly' (according to their definition of 'sensibly') but in reality they don't because their guidelines are so strict that nobody with half a mind on driving anywhere in reasonable time can manage it.

 

I was bloody lucky with my insurance as I've just been old enough in the last 12 years of driving to avoid all the major price hikes they've shoved onto younger drivers.  When they stuck it up for 18-year-olds, I was 20, etc.  I'm 30 now and have a joint policy with Lady Grumpius and our premium is fine, with lower excess, etc.

 

Young people do get shafted.  On the one hand, it has to be 'ageist' because of the statistics.  They're not allowed to put it up higher for blokes than for women now, so they just raised the prices for women, which puts everyone's premiums up because of 'inflation' (which they've created).  Really, there isn't much of an option and it varies so much.  A 1L Citroen C1 or equivalent can still cost £2,000 a year to insure!

 

There does need to be a deflation in the market or some kind of scheme to allow younger drivers to get on the road but policies still should be higher.  Not as high as they are, mind.

[Exiled_Tat_Gatherer]

I'm officially an old git(ish) now - but I was plodding around in 'classics' and definitely not driving like a twat either - but paid way more than some of the tools I worked with. You get it both ways..... 

Late 30's older colleague put his Astra backwards into a copse of trees - ever to be known as Moleys' bend from thenceforth. Nearly killed himself and the guys with him..... still paid less than I did by 80% on a brand new Nova GSI.... 

Other hand - Fubar - as we new him - trashed a Beetle, Polo, Alfasud (x2), Escort XR3 (yup - original carb model) and a Cavalier SRi all in the space of 2-3yrs. He was a dick behind he wheel and always would be.... 

 

I'd expect him to pay through the nose - and Moley too - but I'll take a 'fair' price and if I act the nob and screw up - remove trousers, bend over the wing/bonnet and ream to thine hearts content as I deserve it..... If I don't claim - you still make the fucking profit - just not as much - you greedy waste of donkey jizz......

[Snipes]

I paid £60 on a £270 annual premium to protect my NCB! That is on a boring modern, and I had to get old and leave Manchester.

[Cavcraft]

The black box was great for my lad, it made his insurance massively cheaper than other quotes, and after a year of probably feeling he had to drive sensibly, he got 12 months no claims and learnt that you didn’t have to drive like a mad man all the time.

My daughter has one on her car now, and whilst she’s very sensible anyhow, it’s made her really aware of speed limits etc, which can only be a good thing.

[SiC]

The most relevant factor to insurers now is apparently how long you've owned a specific car

It's been like that for years and hence why they ask. When my Civic was written off I moved the TT over. On the renewal they got the ownership date wrong (didn't notice when the docs came through). The difference in cost between owning the TT for 6 years vs 4 months was £100 p/a. Which is quite a bit when the whole policy was only £380 for the year. That's a 32yr old with 9yrs NCB and 1 non-fault.

 

Unfortunately car insurance is one of those things that you have to pay and will go down as you get older - providing you don't smash all thing things.

 

I'm looking at moving away from home, but the person I was planning to move in with started shagging one of my other friends and doesn't talk to me any more as I'm no longer useful to her since she's got a regular fuck, and the other guy that expressed interest can't find anything more than studio flats to let, when he needs space for at least him and his bird, and I fear I've been sidelined there too...

Why not get a house share with people you don't know? Gumtree/Spareroom.co.uk/etc. Good way to meet new people and as you don't know them, it's less of a worry if you don't get on. Living with people is very different from having them as friends!

[Ghosty]

Black box only saves me about £200 - and I'd rather not have the hassle. Besides I drive at weird times a lot to visit friends after work and I'd get fucked for it.

[GrumpiusMaximus]

The black box was great for my lad, it made his insurance massively cheaper than other quotes, and after a year of probably feeling he had to drive sensibly, he got 12 months no claims and learnt that you didn’t have to drive like a mad man all the time.

My daughter has one on her car now, and whilst she’s very sensible anyhow, it’s made her really aware of speed limits etc, which can only be a good thing.

 

 

Fair enough Cav.  If they've worked for your kids then that's great.  I'm really pleased at least some younger people are learning to drive and taking up car ownership!

[Richard]

Is that why they added 50% to my premium when I changed Volvos? I'm now paying £161 fully comp with Direct Line, almost exactly half what my first policy cost me in 1987 (Chrysler Sunbeam 1.6GL TPO).

 

It used to be that young drivers couldn't contemplate anything bigger than a 1.6 Cortina, and the insurance groups were purely based on power, bulk and forenness. Now it seems that the "sensible" cars are prohibitively expensive for young drivers to insure and they're cheaper with something like my Volvo. 

[sierraman]

Corsa and Fiesta are pretty expensive to insure I think. I used to get proper bummed when I tried insuring a mk3 Mondeo, the diesel I had was about £7-800! That’s a fairly sensible car I’d have thought. They probably have to pay out a lot on them I guess cause they are a bit of a nobheads motor if the ones round out way are to go by.

[Cavcraft]

Iirc a 1995 Micra was £3,400 for my lad at 17, and I think his Corsa 1.0 was about £2400 without box, or just over £1800 with it.

Pretty sure older cars (like the Micra, at the time) were more expensive to insure because they had less security and were seen as virtually worthless (LOLZ at the Corsa not being seen so) and seem to recall there’s a mindset where the newer the car, the more you’re probs going to look after it.

[Zelandeth]

Whoever on earth thought this was a sensible way to join two pipes together?

 

 

What a faff that was (perished O-ring) getting it back together.

 

The scratches on the surrounding pipework suggesting I'm not the first one to do battle with it.

[Sloth in a bowl]

9 months since the incident that claimed the V70 and the insurance has finally stumped up an offer of £920 which is not enough to replace it with a likewise car from anywhere locally.

 

They are refusing to renegotiate on that figure.

 

Am I screwed for getting another then?

Politely information that you will need £x to cover buying am equivalent vehicle within 30 miles of your home address supported by copies of relevant ads. Add that if £x is not offered then you will be providing the same information to the Financial Ombudsman service with an additional complaint and costs associated with the length of time that your case has taken to be processed.

That should get them to understand that you are not taking the piss and that you know where to go next.

 

www.financial-ombudsman.org.uk

[sierraman]

Iirc a 1995 Micra was £3,400 for my lad at 17, and I think his Corsa 1.0 was about £2400 without box, or just over £1800 with it.

Pretty sure older cars (like the Micra, at the time) were more expensive to insure because they had less security and were seen as virtually worthless (LOLZ at the Corsa not being seen so) and seem to recall there’s a mindset where the newer the car, the more you’re probs going to look after it.

Laughable. Those old corsas were a doddle to get into, bend top of doorframe out and you were in. Loads of those old corsas ended up with a bit of weld at the B post end at base of window after some shitehawk broke in.

[ruffgeezer]

Politely information that you will need £x to cover buying am equivalent vehicle within 30 miles of your home address supported by copies of relevant ads. Add that if £x is not offered then you will be providing the same information to the Financial Ombudsman service with an additional complaint and costs associated with the length of time that your case has taken to be processed.

That should get them to understand that you are not taking the piss and that you know where to go next.

 

www.financial-ombudsman.org.uk

 

I already provided them with adverts it was hard to find an exact equivalent to my v70 due to it's high mileage, the are the public liability insurance arm of RSA, not the motors department.

 

I have been reasonably patient with them, and I didn't stick them for a loan car, although I must say if I had have done, they probably would have got it sorted quicker!

 

Thanks for the info, not sure what to do next.

[Wack]

Watched M1, the motorway that made Britain on C5 last night

 

I now realise why there are so many middle lane drivers , they really are idiots , some blonde bimbo has a camera in her car , she's driving along in the middle lane asking why cars are cutting back into lane one in front of her, then she says surely crashes are caused by changing lanes , I'm not really sure what you're supposed to do, it's a long time since I did my test

 

Fuck me

[AlabamaShrimp]

She didn't have her hands on the wheel half the time either. Tbh I missed the start so why were they even talking to her?

 

Was an OK programme but should have just stuck to the history of it.

[GrumpiusMaximus]

Remembered a grump that really wasn't 'my' grump but still made my grumpy.

 

Was in Sandwich yesterday, walking through the Co-Op carpark.  See a bloke driving a quite nice but well-used Austin 1100.  I gave him a smile and a thumbs up.  He had his window down and asked me if I'd been in the car park earlier and seen anything because somebody had giffed his door.  Had a look and there was a 4" high scrape with a dent mid-way through the driver-side door.  

 

Whenever I've giffed anyone, I've always made a point of going to look for them and at the very least leaving a phone number with an apology note.  Hitting any car and walking off is just not acceptable but it makes my blood boil when the car in question is one that has clearly been looked after and is getting increasingly rare.  I know there's a shitter here and there in Sandwich, so I wonder if it was anyone on here that spoke to me?

 

Urgh.  Fucking people.

[Wack]

. Tbh I missed the start so why were they even talking to her?

 

 

 

 

no explanation just started off like that, no questions just a camera , first thing she said was look at that twat , all downhill from there , i'd be mortified if my 5 minutes of fame was looking a total arse on national TV but she's probably had a party so none of her mates miss it

[nebuchenezer]

Remembered a grump that really wasn't 'my' grump but still made my grumpy.

 

Was in Sandwich yesterday, walking through the Co-Op carpark.  See a bloke driving a quite nice but well-used Austin 1100.  I gave him a smile and a thumbs up.  He had his window down and asked me if I'd been in the car park earlier and seen anything because somebody had giffed his door.  Had a look and there was a 4" high scrape with a dent mid-way through the driver-side door.  

 

Whenever I've giffed anyone, I've always made a point of going to look for them and at the very least leaving a phone number with an apology note.  Hitting any car and walking off is just not acceptable but it makes my blood boil when the car in question is one that has clearly been looked after and is getting increasingly rare.  I know there's a shitter here and there in Sandwich, so I wonder if it was anyone on here that spoke to me?

 

Urgh.  Fucking people.

Aye the co-op car park is a bit of a hazard at times. If it had been me you were talking to I would have driving a beat up V70 but as I was in London most of yesterday it wasn't. It is amazing what old chod lives in Sandwich, next time you're there take a wonder down King Street and see what is in Roses Garage.

[Kringle]

FFFFFUUUUUUUUUUUU!!!

 

[Supernaut]

I work in an IT Dept at a university, so why the fuck can I hear a small child crying down the hallway?!

 

Gah.

 

It's proper small baby style screaming and gnashing too.

[mercrocker]

Was an OK programme but should have just stuck to the history of it.

 

Because nobody is interested in history any more, nobody wants to listen to Raymond Baxter-types telling us of things that require a little thought or imagination to comprehend.   Nobody wants any of that.   They want the lowest common denominator pushed in front of them in 64 inch HD colour saturation in annoying little sound-bites instead of a well-researched, interesting and thought-provoking production - whilst being fleeced for a so-called licence that will make a criminal of you if you forget to pay.....

 

....According to the BBC, anyway. 

 

 

Edit - I know it WASN'T the BBC but their descent to their current level is particularly depressing.

[Wack]

Depressing isn't it , wall to wall soaps (public information films) until 9pm just so the masses get the message without actually realising they're being educated because if they thought they were being educated they'd go back to youtube

[Supernaut]

Another reason I'm wary of tech-laden moderns.