Warning: Car Insurance Tricks

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[@mitabpraga7487]

The entire insurance industry is built on a single simple concept, which is this - the insured pay out as much as possible in premiums while the insurer pays out as little as possible in claims. Otherwise the industry wouldn't even exist, let alone survive. When insurance is compulsory it becomes little more than being forced to buy into a bent card game.

[@rogersimmons8788]

You will not know how good or bad your insuance company is until you make a claim.

[@sandrawilson6574]

never a true word said

[@roberts.wilson1848]

Exactly. Many people defend their insurer for being the best although never needing once for that company to pay for them. And attacking the victims of the insurance companies that scammed them, that felt directly how thieving the company was.

[@lordcharfield4529]

Exactly! That’s why I stayed with Admiral, because of previous positive experience. Insurance companies are all loathsome though. Admiral charge £20 to change ANY details and also changed my account to make my wife the lead without asking, out of wokeness, when we had already decided how we wanted to conduct our account between us, meaning that I had to ask my wife to get my access back, so that I could deal with my own insurance!

[@spotononspot4187]

Yep, and find your not covered! Or the excess is costing more than the repair!

[@kevinrayner5812]

Absolutely. I was in Thailand in December 2004 and you know what happened on Boxing Day. I was having so much trouble with my travel inurance company that at the point the claims manageress complained about the amount of overtime she was doing sorting out tsunami claims that I did actually weigh up immediately paying a visit to the office to shove her phone some where unmentionable. I did remind her that 300,000 people died and all she had to worry about was a bit of overtime.

[@janedickson6167]

It is so refreshing to hear that someone with an in-depth understanding of law, insurance etc finds it a minefield & so frustrating to sort out any insurance. Thank you for making us mere humans feel not so bad! 😊Love the videos.

[@m.goodengumman3941]

I have been ripped off by insurance company who insisted I installed a tracker box. I'm 62 years old, no previous claims. Problems, allegedly my tracker is not responding? I did what I was asked to do, remove and reinstall, I did. Two months later I got the same warning,I must return the tracker box and the new one supplied, I followed instructions. One month later they warned me to put the tracking box again otherwise my insurance will be cancelled. I emailed them and told them truthfully I never interfered the box. Few weeks later six months into my insurance policy they cancelled my insurance. Next I got a police warning that I have been driving without insurance ., surprised me. I immediately got another insurance and had confirm that I have been refused insurance before !!!! My new insurance is double the cost, I never received a refund for the remaining term of my insurance. Daylight robbery insurance company. 😢

[@m.goodengumman3941]

@@BBBCP-564pawyt Freedom insurance company.

[@ChrisSteel-ou2ks]

take them to the ombudsman

[@walshously]

Someone went in to the back of my car on a motorbike once, wrote my car off and then Claimed it was my fault. (he admitted at the scene it was his fault, he was going too fast, didn't seem me until it was too late and tried to swerve but couldn't) the insurance company wanted me to admit it was my fault, I refused. They appointed a third party investigator who concluded it was the other drivers fault but, they still wanted me to admit it.

[@pkworld]

Something that I discovered relatively recently is that the comparison sites are actually owned by, or are connected to, an insurance company themselves. You can usually work out which one because they will generally be the cheapest quote that you get on that particular site.

[@waynesawyer]

Many car insurance companies in South Africa try almost anything possible to avoid paying out a claim. They go as far as to send an aggressive, bulldog type, 'detective' to interrogate you to such an extent that people even just cancel their claims. Its ludicrous and vicious here.

[@stevetadman6272]

It can be the same in the UK but I have not seen it done in an aggressive way....yet.

[@BajaBill7]

Motor insurance in the UK is a scandalous racket and it's only getting worse. I would love it to be sorted out properly.

[@alanmon2690]

What do you think should happen? How would you run an insurance company.?

[@LadyAdakStillStands]

The 🇺🇸 is just as bad. The levels of greed...

[@clivewilliams3661]

In what way is it scandalous? You only have to look at the cost of repairs to a modern car with all the fancy bits on and electric gizmos and then add the insurance admin plus the hire car charges etc, etc to see that every accident claim can cost £1,000s and then you look at the frequency of those accidents to individuals and you soon see the justification for the charges. My daughter's Mazda 3 was punted at the rear last w/e at a give way junction, denting the rear plastic panel and she has just been notified that the insurers consider it a write off. It will certainly require a whole new plastic rear 'bumper' that I would guess at dealer rates to be £100s plus labour and the possibility of hidden steel panel damage and a panel respray is not going to be less than £1500. Its not surprising that the car will be sold for salvage or repair that will probably see at least £500 being a Cat D or N, but that then will devalue the repaired vehicle. The annoying thing is that her new car is on order and due for delivery at end of Sept, so I guess she will be sharing ours for the next 6 weeks. FYI the tosser that hit her car was driving an M Sport BMW and driving too close. The legislators and manufacturers are all complicit in the excessive cost of car accident repair.

[@BajaBill7]

I'm nearly 50 years old. I have a good job, live in a decent area. I have never, ever made any sort of claim on any insurance policy ever. My 30 year driving record is impeccable .Yet every year I have to pay the retail value of my vehicle in insurance premiums. If you guys think this isn't massively corrupt and blatant, unjust, reprehensible profiteering, then you must be on some bloody powerful intravenous narcotics!

[@gordon861]

@@Steves_fishFunnily that is the one company I refuse to deal with based on past experience.

[@BrianMcGuirkBMG]

The insurance industry has done a major price rise for car insurance between July 22 and july 23. My renewal this year jumped to 397 from 150 last year without any changes. Needless to say, i went elsewhere, but the whole insurance industry seems to have followed the lead of energy which has mostly tripled prices.

[@stormytempest6521]

I must be the odd one out ! changed car after 17yrs and was really surprised, stayed fully COMP, done really well !

[@BrianMcGuirkBMG]

@@stormytempest6521 Was that compos mentis?

[@Trevor_Austin]

Trackers - My experience is that it is impossible to get a perfect score. When my son had one fitted we noticed that scores were given according to the time of the day, the type of road, how rough the roads were, your speed, your acceleration, your braking and cornering. Just for the hell of it, we tried to get a perfect score. It was totally impossible. Worse, within a few months Aviva took away the granularity of the scoring, for our benefit and convenience of course, leaving us with just an overall score. This was always mediocre bordering reckless for what I consider to be reasonable and very considerate driving. Needless to say we sent back their nasty tracker and insure with other providers. Then we had to repair the damage the installers did to the car when they installed the tracker.

[@littlefishy6316]

The company I used to work for had trackers, there was inconsistency between the cars, some black boxes rarely bleeped and some black boxes chirped like canaries, must be how the sensitivity settings are set up by the installation technician. When driving different cars your score depended on which car you were driving

[@classicdice21]

I got a new motorcycle and got a quote from my current insurance company. £2800 per year. I went to a comparison website. £800 per year - from the same insurance company. Absolutely ridiculous.

[@Max-ht9hf]

Car insurance is 'demanding money with menaces' only they replace the menaces with a smirk!

[@glennmaxfield6618]

My grandson had one of those driver black box fitted when he was 19. However it worked against him at the time because he was a bus driver doing the late shift which finished at 2am. The insurance company loaded him because of the driving at night when all he was doing was driving home from work. I wouldn't recommend any of them.

[@roberthuntley1090]

In my 30s, I remember one insurance company offered a price well above its peers. My suspicion is that they choose to deter some groups of drivers, based on their risk experience.

[@mwalmsley72]

They all do that. Each company will go after target groups at certain times to manage their risk profile vs revenue at the time. It’s no different in other businesses (supermarkets are a prime example where 1 item is much cheaper but others more expensive). That’s why it’s pointless when people say “try x - they were really cheap for me”. Because your risk will be totally different and it’s another day so the company will have changed their profile anyway.

[@flygrace]

I find the problem with reviews (and this is not just insurance but many other things) is that companies pressurise customers into giving a review as soon as they have signed up, or bought an item. So most people are only reviewing the initial ease of setting up the policy. And with items, nobody waits to see how long something lasts or what faults it may develop with use. So the majority of those 5 star reviews are essentially meaningless.

[@15bit62]

One thing about insurance companies - cheaper is not necessarily better. I think most people just get car insurance cos it is a legal requirement, but it really is worth paying a bit extra to a company that will actually pay out in the case of an accident without weeks of arguing.

[@elizabethconvey3242]

I do look at comparison websites but it's sometimes difficult to compare like for like and for the last few years I've used a broker for home and car insurance. They usually find cheaper quotes and on the few occasions when they are more expensive, the difference is negligible. My view is that if I'm unfortunate enough to need to claim on my insurance, I would rather be dealing with a company where I can speak to the same people I have spoken to for years and be able to go into a physical office should the need arise. IMHO, that's worth paying a little extra occasionally.

[@KarrierBag]

My insurance on my Land Rover was £21 a month, I had 16 years no claims, then after having a seizure and ending up in the canal I made a claim as fully comp and the insurance company managed to find a 'loophole' and close the claim down, I had only been insured with them less than 2 weeks, so no payment, lost my vehicle, not allowed to drive anymore due to medical reasons...... I guess at least I am still allowed to insure and move my boat around and at £11 a month fully comp I guess it isn't too bad 😁

[@jamesvdv0]

I ended up splitting my two cars from a multicar policy to improve the overall cost. I now keep the quotes separate as it makes the comparison easier.

[@adamsimmons7646]

This video is a game changer, I have been looking for the best way to increase my income and start up my retirement, but I really do not know much about investments and trading stocks. I keep postponing every single day that passes, but I want to begin now. How should I start? What do I need to know?

[@adamsimmons7646]

I know I can't do any investment by myself, because last time I tried, I lost all my money. I am serious and interested but also scared of losing money now. What can I do not to end up with same result as last time.

[@adamsimmons7646]

I have done some research, and what I need is an excellent financial advisor to assist me with what I want to do. A good recommendation will do. Thanks.

[@palemale2501]

Perhaps you should warn drivers that police can confiscate your dash cam after an RTC, (for which you may possibly be innocent) and then may prosecute you for any recorded driving infractions you incurred prior to the actual collision. (Hoisted by own Petard) Heard of one such driver who was invited down to the police station and advised to bring his lawyer, and eventually lost his driving licence (and job) after totting up these new points with his previous few points.

[@roncouch]

Car insurance organisations seem to be a “law unto themselves”. What hurts most is there’s no getting out of it. By virtue of a statutory requirement to be insured to drive ‘said vehicle(s)’, Joe public are sitting ducks, simply stepping forward, with little or no choice, to get fleeced. From where I sit (now long into retirement) at my extremely modest 2000 (yes, 2K ) miles per annum in a semi-rural region, it’s money for old rope for these insurance companies; the greater majority of whom are only in the game to get rich (very) quick!

[@adrianparker5841]

One really good point you mentioned, saying that insurance companies can no longer charge more for exciting customers over new customers. This is a really good thing. However when you take out brakedown cover with the like of the AA or RAC, their polices are insurance policy to cover the brakedown. But they still charge diffrent prices for new and exciting customers. This dosn't seem right.

[@kimamey]

I used to switch between three AA and RAC to avoid that. In the end I'd tell them it was too expensive and they'd lower the price so I didn't have to change. A pain to have to do it though

[@stevejh6630]

Used to be with the AA (20+ yrs). Every year they hiked the price until there was a lot more than £100 difference between me and a new customer. Switched and saved a fortune. So every renewal I will do a comparison now. Loyalty discounts are now loyalty penalties.

[@LazarkGaming]

Personally I think there's a few things they could do, making a transparent searchable database where you can check risk scores against a number of variables. For example you could check risk scores of on street crashes, burglaries in your area, and even things like national percentage crash/cost of different vehicle groups. I speak as a food courier, we're the most expensive class of insurance yet in the last couple of years I don't know a single person in my area who's had a crash regardless of fault, yet we're all spending between £100-300 per month, despite having years of NCD and no accidents on our records, so I personally would want to see where how they justify it, so we can work on reducing our cost to get insurance.

[@keithposter5543]

Don't know how you make a living wage with food delivery rates being what they are and so many overheads. Must be a nighmare

[@LazarkGaming]

@@keithposter5543 Quite easy, but I do it because I enjoy it mostly. I don't really consider it work, I invest my extra income for pension and I live a nice life. Of course the last few years has changed, we can't be driving 5 series BMW's anymore (yes people used to do this), but I like my little scooter - plus I never have to worry about speeding tickets. If you want my earning rate, factor in I've been doing this for 6 years so have honed in on efficiency to the T. But I range between £12-£25/h before costs, Averaging £16/h and complete freedom, I get to work any 30-40 hours from an available 100+ hours per week. I also don't live in London or any big city, I live in the center of a big town though, but even so, it's manageable. Life story over. :)

[@SlipShodBob]

We used to be with the same firm for years as they had local offices that handled everything but after they changed it all meaning when there is a claim you're dealing with half a dozen different offices scattered all over the country we switched though our vehicle insurance is a lot cheaper as we also have other machinery insurance and business insurance which all only just above the high end of your quote for everything and about £2000 to £3000 less than we were paying.

[@Mike-lb1hx]

I used to work for an insurance company and the experience was surprising to most people - it tried to settle claims as soon as possible (as it saved money) - on a £500 car policy the target was to make an average of £15-£25 profit - it is not unusual for the industry overall to lose money on motor business It was far from a racket (I no longer work for them and have no financial interest in them)

[@highmyope-ps2by]

I sold car insurance for a while. I remember the young lads, just passed their test, who had taken a bank loan to buy a car. They wanted something speedy. One could counsel them; point out that the terms of their loan might specify fully comprehensive insurance. TPFT might be adequate but TPO would not, even if that was all they could afford. The usual reply? "I'm not going to have an accident".

[@keithposter5543]

I've heard this from insiders too. I'm not defending them in some of their very sharp and shoddy practices, but we do have some of the cheapest car insurance in the world (esp for experienced drivers with good records).

[@Bobjlow]

Yet they own the biggest buildings in every western city.

[@proffessorclueless]

My motor legal cover only covers me if they consider I have at least a 51% chance of winning. Pretty useless. Currently the lowest quotes that you can get will be about 25 days before your renewal date and will get ever more expensive the nearer you get to the actual date.

[@BajaBill7]

Agreed. I had to get insurance in a hurry earlier this year. They had me over a barrel and they knew it.

[@rickconstant6106]

My breakdown cover was due for renewal recently. The company I'm with offers the best value for me, but every year, the renewal cost is far more than the previous year, but by taking out a new policy each year with the same company, I have saved up to 30% compared to the renewal quote, for exactly the same cover. A blatant attempt to exploit the loyalty, or simple inertia, of their customers.

[@stuartfountain9929]

Coloured waving thing?

[@rickconstant6106]

@@stuartfountain9929You may think that, I couldn't possibly say.

[@stuartfountain9929]

@@rickconstant6106 just commenting from personal experience

[@user-vv9dn1dk2u]

It amazes me that not having an agreement with a private company can result in a criminal conviction.

[@martyndawson7484]

Er BBC ?

[@fredsmith6725]

Some if not all of these trackers are fitted to the cars diagnostic port. This port (from other KZbin channels I've seen), is not designed to be used continuously, as in the case of these trackers. In several instances the tracker actually trashed the cars electronics (because they are badly designed and made on the cheap in a certain country)?and the the insurance companies will not accept liability for repairs, because they say it can't be proved. Is the amount you are going to save in premiums really worth the headache and expense of a broken car? 😤

[@philbrown9198]

I have generally found that prices offered by comparison websites to be more expensive than dealing directly with any of the companies. And quite often the cover has been different, in many cases less favourable which means that the deal is quite as good as first seemed. It got to the point where I actually gave up using comparison websites because that they offered just didn’t stack up.

[@callyb54]

OMG.....that happened to me (false claim against me). As I was reversing into a parking space, someone drove past the front of my car (in a one track drive) as I was reversing and pulled the front bumper off my car. Despite giving clear information of the accident, on the phone, in writing and with a diagram, my insurance company paid out to the other driver. Not only that, the description of the accident was incorrect. It stated, I was (forward) driving into a space and hit the other car which was waiting to pass!!! I didnt find this out until I filled in the questionnaire to insure my new car and was told I needed to change my answer to being in an accident and being the at fault driver. So I am still paying a higher premium because of it. I found the whole thing so stressful, I couldnt cope with challenging it.

[@staycalm88]

This is why I have a dash cam. Before I had a dash cam, I had a hit and run few years ago, but they claimed I had done the hit and run. Luckily it was resolved in my favour after 2 years. This year I had anouther hit, he was qued in traffic and i was passing (18 mph recorded on the cam) as he pulled out and went into my back side door. All on dash cam. He's still fighting it claiming he was indicating (dash cam shows he wasn't) but my insurance were so sure of the footage that they waved my excess.

[@davidhall7811]

Many years ago before dashcams were common, someone reversed into the side of my mums stationary car. They then had the gall to try and claim she had driven into them, and the insurance company almost believed them too 😞

[@jackdanielsisgoodjc]

About 20yrs ago, I was involved in an accident with a cyclist whilst I was turning right at a junction - I was stationary for about 3 or 4 min waiting for a gap in oncoming traffic, when a cyclist overtook my stationary car, realised he wasn't going to clear the next oncoming car, so swerved back to me & hit my car denting the door & breaking off my wing mirror - I was stationary the entire time. Passing police attended,, took details, breath test etc & no further action. However, my insurance, deemed me at fault & being stationary was irrelevant they said " you have a duty to other road users, & my positioning on the road, forced the cyclist into the path of oncoming traffic" (I was on my side of the road, against the centre line with indicators on) they did say that I could appeal, but if I lost, they hinted that I might find it difficult to get insurance) as I had protected NCB I just left it & changed provider at renewal Sorry for war & peace, but even after 20yrs it still winds me up 🤬

[@wispa3309]

Riding a motorcycle a few years ago in heavy traffic. Car in front of me was following the car in front of him far too close, panicked when the car in front of him stopped and tried to reverse into a space at the side of the road. Reversed into me and insurance refused to pay out. Couple of years before that a woman ran over me at a junction,I was already established and finished the turn she came straight over the top of me. Put a claim in against me and my insurance paid out without any notice to me. So much for paying the extra for legal 🙄

[@groundbeef662]

Prices have vastly increased from July. I was playing around trying to get my dad a better quote, and noticed that if you switched from Fully Comp to 3rd party ( the actual legal requirement ) the price multiplied 2 or 3 times. A broker told me insurance companies are working to eradicate 3rd party and make us all have fully comp. How is this allowed , 3rd party is a legal requirement yet insurance companies are effectively forcing us purchase another service which is not a legal requirement. In my view Insurance should be nationalised at least at a 3rd party level.

[@ianmowbray3284]

Mine when’t up £80 I shopped around and was shocked at the new quotes they were hundreds more 😮

[@good7saint]

I lived on a narrow boat for three years and getting that insured was worse than insuring a car. You have to be careful and read the small print things like is the boat covered at all if you live on it. The worse thing was a lot offered membership of the boating equivalent of the breakdown services for cars. But it was only the very basic cover that allowed you one call out a year. I usually found I could find a cheaper policy that did cover me fully without the breakdown cover

[@lisaperrin3298]

My other half does personal and for his job. His renewal comes up soon. The company he is with now his renewal would cost £4000. He went for a quote yesterday, just over £2000 including legal cover. They said it would come up less with house insurance, it cost more. The person called back and said they give the wrong price it ended going up again. My other half is continuing to shop around. As for checking excelleration, breaking etc that is an app on a mobile phone really not sure how that works to be honest.

[@eliakimjosephsophia4542]

Daniel can the County Councils get away with charging £189 for going through a bus lane that is not clearly marked on the approach road? By the time you've turned into one it's too late to reverse out on a busy junction because there is no advance warning.

[@BlackBeltBarrister]

If it is not clearly marked, I would be challenging it on that basis

[@gordon861]

Have you appealed on the basis the lane was not clearly marked? Get out right away and take current photos for evidence in case it gets remarked. There are also regulations that define what is required to make it legal, the rules are a bit more lax now but generally they must follow what is set out in 'The Traffic Signs Regulations and General Directions 2016'. If this is a County Council you will be able to appeal to the independent adjudicator if the Council rejects your appeal. Do a search for pepipoo forums, there is lots of advice about what to do and how to word your appeals.

[@Val-from-Leigh]

I've found the comparison site shows the cheapest price, but on a lower standard of policy and doesn't take into account the optional extras you may wish to tick or untick. Also, don't assume a higher voluntary excess equals a lower premium. I wouldn't have a black box. Where I travel to is my business. As is driving like Pat Moss.

[@WhiteDieselShed]

SAGA were sneaky. Try and get a quote online it will say see your renewal. Make a slight change to the spacing in your name and suddenly the quotes work and are far cheaper than the renewal. Back in the 90's I got quotes for a 2L Diesel car and the insurance cost more than the Hot Turbo petrol version. Car insurance is strange sometimes.

[@mattwoodford1820]

I've not heard anything positive about the boxes. More often that not, it has lead to an increase due to box events triggering charges. If the drivers are all over 25 it is unlikely to have a positive impact on your insurance charges as minor things like having to stop abruptly or needing to use power to remedy a situation can all register as extreme events which affect what you pay. it's insurance though, the house always wins!

[@thalesofmiletus2966]

Yup. My new car insurance was up £170 on last year. Searched online multiple times laboriously typing in all the details only to find my present insurer was the cheapest.

[@brianferguson7840]

I live in France, my wife and I have two Citroen Berlingos (ten years old) and a new Peugeot Rifter. Insurance for all three cars for both of us fully comprehensive is 376 € per year we are in our 50s full no claims.

[@mrichards913]

Agree with your comments Daniel There’s also the IPT that goes to the Government as a tax which surprisingly, not everyone is aware! Best

[@17millionfuckoffs]

Mine went from $440 last year to £790 this year with an extra years no claims on top of my previous 3 years? Tax has gone from £340 last year to £400 this year? Wtf is going on.

[@peterw4338]

In Bulgaria, the car itself is insured and is transferable with the sale of the car. (cost around £150 for EU use). You can pay extra for enhanced insurance. No messing about each year like the UK.

[@drstrangelove4998]

Thank you BBB, very sound advice.

[@wekapeka3493]

Here in NZ I’m two years into trying to get my flood damaged home repaired. I had paid for their most expensive policy and have found they are a bunch of conniving snakes, particularly their ‘middle men’, assessor’s who seem to be on commission for ensuring the insured does not receive the full benefits of their cover.

[@ronaldsnowden7448]

Thank you for your advice

[@dazg258]

Why we still put up with insurance companies doing business the way they do in the UK is beyond me. Why cant we just insure the vehicle?, like most other countries in the world do..

[@NoddyD]

Who would it be insured with?

[@rigamortice]

My car insurance went up by over £100 this year, I phoned them to get it reduced, a wasted phone call, I went onto a price comparison site got the same cover with the same con artist sorry company for £2 more than last year. They also wanted to do auto renewal which I never allow as the renewal is always too expensive

[@johndoyle4723]

I have sometimes found on a comparison site that I get a better deal with the same insurer via the comparison site than their quoted renewal price. Maybe some trick to get round the new versus loyal customer rules.

[@herrtomas6729]

I recently bought a new car which had all sorts of electronic aids built in; fatigue monitoring, lane keeping, blind spot and all of that sort of thing. You can set your chosen level of support for these via various menus, generally Hi/Med/Lo, and some you can turn off. The salesman told me that I should turn off the lane assist as the car decided to 'steer for you' when it thought you were drifting out of lane, even if it was just marking in the roads. How does 'insurance' view this? Can they check your car after an accident and try to say it was your fault because you turned something off?? I believe some of these features are considered when arriving at NCAP ratings, so if you disable them, you effectively de-rate the car's safety.

[@r4vr4c]

Sometimes if you have an accident its cheaper and more beneficial to not even notify the insurer and pay for the damages privately as the extra cost of compulsory charges for making a claim then the extra cost of losing no claims bonus causing rising costs on future insurance deals which in turn makes the insurance redundant as you don't use it as you sort the damages out without notifying the insurer. Its like a forced scam in some situations

[@jackiereynolds1104]

Just for information, those little plug-in insurance devices get plugged into the diagnostic port in your car and they can ruin your cars computer. Which is worse: A little more in insurance? Or another car/car computer?? I would definitely opt for the extra few dollars in insurance. Thanks Daniel. I just went through this myself. It's crazy what you have to pay. Plus where I'm at it's mandatory so the insurance companies really put the screws to you every chance they get. My insurance went from $210 to $128 a month. I had been with the $210 company for 30yrs. Thanks again Daniel.

[@BlackBeltBarrister]

Yikes, thanks for the tip

[@herosandwich7589]

Thanks for this

[@daffyd5489]

@@BlackBeltBarrister I fully support your Barristers advice, but here is a typical example of "I knew someone who died because they wore a seatbelt". Maybe a bit harsh, sorry, but hearsay is not evidence, eh? The plug-in gadget just plugs in to the cars OBD (On Board Diagnostics) port, that every car now has (OBD readers are plentiful on the open market, even Bluetooth ones you can use with your phone to read), it can read current speed, volumetrics, and other engine related info, and fault codes. Yes, they can be used to reset the P-Codes (Diagnostic codes) but will not damage any of the the cars ECU's. So no, it is not a tip, do some investigating first... Just saying, be well...

[@pichacker]

I can assure you that these devices will not destroy your cars ECU's. Purely reading OBD commands is not a determent to the ECU and is indeed part of the ECU's legislated functionality. This goes for all the black boxes however be aware that the devices do draw a small amount of additional power from the battery so if you do not drive your car much and only on short journeys they could assist in you eventually getting a flat battery. Now a flat battery is a sure way of upsetting a cars electronics.

[@jackiereynolds1104]

@@BlackBeltBarrister these other people may work for companies who use these things but my granddaughter took her's out of her car because it started acting up and You Tube car man, with a crazy amount of subs, Scotty Kilmer, who is trusted world wide, says different. Just passing on his advice.

[@gordon861]

Had a joint car/bike policy a while back, the prices were good for a couple of years and then they lost their way. So now every year in July I need to go through the car and bike policies, car seems to need to change every 2-3 years, but bike I have been with the same company for about six years now, they always come in cheapest or will beat whatever I get off the comparison sites. Always get the legal cover and used it successfully a few times on the bike, first time I got the first contact from the solicitor whilst in hospital about to get the x-rays. Often cheaper to get a package with all the extras rather than just adding the couple you want, or buying elsewhere like breakdown. My other recommendation regarding insurance is, get a dashcam or helmetcam and make sure they are always working. They are always useful if you are in an incident and may also have the effect of restraining your own driving too as you know you are being recorded.

[@taras6806]

'If you do [enjoy insurance renewal] you're a special sort of person'.... oh I'm in hoots!

[@carguyuk7525]

I recently swapped insurance company because the one I was with had such bad feedback even though the insurance agent told me to ignore the reviews.

[@MrKalem6572]

Pet insurance renewal quote, 80% higher this year than last year.

[@martyncozens1886]

Can you do a video on what happens when you "gently" push through just stop oil protesters who are stood up and able to move out the way?

[@highmyope-ps2by]

Negotiation is the word. And yes, do take the legal insurance. It can be invaluable.

[@bygonebebygones8503]

"And yes, do take the legal insurance.", have you checked what they cover?? Everytime I check, it only covers what accident lawyers would cover for free anyways (no win no fee). Unless this has changed, I'd read it careful first then make a decision.

[@gordon861]

@@bygonebebygones8503The point is, there is no fee, if you win you keep all the money. And often with fully comp insurance it is included anyways.

[@bygonebebygones8503]

@@gordon861 If its free then I dont see any harm taking it but I've never seen it given away for free. Maybe thats a new incentive, its about time they give us some value for money eh.

[@neilblack5924]

I went on a comparison site for my girlfriend. We had a Peugeot 205 at the time. Most quotes were in the £3-500 range but one was way over £2500 so i rang them, not to arange cover but to find out why they thought a 40 year old female with a clean licence was such a high risk.

[@RadioJonophone]

They are not allowed to make a distinction between male and female drivers. We all know female drivers have fewer accidents per mile than males, so the companies "spread the cost" by putting everyone's premiums up.

[@neilblack5924]

@@RadioJonophone This was before those rules came into force but still 2.5k as opposed to £300 ish being the cheaest. If they price all potential customers this way i wonder how many takers they have. Another thing i found odd about them, when i rang them i didnt get the "press 1 for that and press........" someone in a office just picked the phone up when it rang. I found them very odd

[@chemistmanuk]

Just see how switching to an EV changes your premium (spoiler - it shoots up).

[@Gibraltariano]

EVs are significantly more expensive to repair than fuel vehicles, in the event of an accident, which is what most of the premium is intended to cover. The mining of the rare materials needed for EVs is expensive and has to be paid for somehow, so of course they’re more expensive to insure!

[@michaelthomas3646]

yeah I was looking a couple of weeks ago, 46 year old with 15 years no claims discount, 2014 Citroen C4 Picasso was my old car, a 2014 Nissan Leaf EV would be the new car, would have been 2 and a half times the cost to insure. needless to say I decided against that idea, and newer cars non-EV were outside my budget, not a good time to loose your car.

[@cuprakol]

I’m with Aviva on my multi car policy and it’s 1300 with a new bmw on it .

[@coop_coop007]

I found on my renewal that my insurance company had paid out a claim against me some seven months earlier when I was not in the same country. It affected my no claims discount. After much to and fro, statements, evidence etc. they agreed to return my no claims. They elected not to pursue the false claimant.

[@andrewlaidlaw7975]

If I were to ever get a car I'd be very temped in getting once of these dashcams fitted that covers the front & rear of my car in the unlikely event of an accident or someone falsely claims that I did something.

[@EnglishLaw]

Tempted? They are absolutely essential nowadays. Mine saved me from having a crash infact. They see through fog, and mine is a reverse mirror replacement with a large screen showing the rear by default. I noticed during increasing fog that the view behind was clear. I switched the view to the front camera to not only see the road clearly but in time for me to dodge a car that had stopped in lane 1. Then there is the evidence you can collect for a car incident which is their true purpose of course.

[@paulhiggins9492]

It’s the Wild West out there, do your diligence don’t let them catch you out, bit more work but satisfying.

[@andrewthompsonuk1]

The problem is it's compulsory, meaning by law you have to deal with these companies. In countries where is not compulsory 3rd party policies are far cheaper.

[@Jaded-Wanderer]

If third party motor insurance was not compulsory many more problems would arise and they would be of a more serious nature. Would you like to use roads that were full of uninsured drivers? How does a family bear the loss of the leading breadwinner who has been killed by an uninsured driver? If you, as a pedestrian, were struck by an uninsured driver and suffered life changing injuries, what then? In 2020 UK motor insurance claims totalled 13.5 billion pounds. Third party motor insurance must be compulsory for all road traffic. We all hate paying it but the consequences of doing otherwise would be far worse.

[@andrewthompsonuk1]

@@Jaded-Wanderer You have to remember that compulsory insurance only helps you if it's not your fault or partially your fault. Hope you are not relying on insurance that only ever covers an accident that's someone else's fault? Everyone seems to think an accident is somehow someone else's fault when usually it's the fault of everyone involved.

[@Jaded-Wanderer]

@@andrewthompsonuk1 I respectfully disagree. If I cause an accident that results in serious losses to a third party e.g. the crash I caused resulted in the death of a man who is a father and husband who will compensate his family if I have no insurance? If I do a runner the Motor Insurers’ Bureau might compensate them. If I do not flee the scene I could lose my house and a considerable portion of all future earnings by paying them compensation.

[@broken12367]

Those little boxes are a scam. My mate had one fitted and he’s a very careful driver. His monthly payment varied wildly and he ended up paying more than he would of normally.

[@izzyplant8428]

Great advice, thank you.

[@martyndawson7484]

I tried to insure a camping holiday.....but they told me if my tent was stolen I wouldn't be covered. I thank you.

[@Mark-yk1ny]

A special kind of person 😆 I need to remember that one 🤣👍

[@nokneedownian8521]

We had to redo our car insurance earlier this year we shopped around and the best deal we could £40 more expensive than last year that is the first time with shopping around it has gone up. With another years no claims and the car a year older(less value) etc. Cost of living everyone's getting their fingers in the pie

[@mikec2111]

Just renewed my policy. The company increased my premium by almost 30% but when I phone to say I was thinking of cancelling they immediately dropped back the premium to what it was last year!! Why?!!

[@davidlewis2377]

Car insurance are all the same you pay their price and when it came to paying out they find every excuse not to pay, or just make it up, they know they have use over a barrel because we have to have motor insurance by law.

[@stevenrobinson5864]

There is a particular insurance company, that I won't name, that seems to have a reputation for holding out on payouts for years, is there a way to get them to payout quicker when things have already been agreed and settled?

[@julianaburrow7131]

LV= have so far always given me a good quote for a 35 year old car so I just go with them. Can’t be bothered to spend hours getting a quote to save £30…

[@robertleem5643]

I can never understand, have been driving since I was 18, no convictions, no penalties and no accidents and yet every year my insurance goes up by several hundred pounds, I get the impression that companies that do this no longer want your business. You'd think that they would want people who have never had an accident or made a claim. If the insurance companies and police made more of an effort in taking those that are uninsured off the road all our policies would be cheaper

[@markhowards420]

My current insurance company halved my policy ( i did it in theory via a comparison site out of curiosity ) if i got a job instead of being a carer for my wife and being insured as a " house husband* " as its the nearest job description option. Theyre all a bunch of thieving sharks. . * House husband has only recently been added as an option iirc, they thought we didn't exist..

[@loc4725]

The Financial Conduct Authority: I know some people think regulators are bad at their job and tend to favor the industries they're regulating and I'm minded to agree. A company I've invested money in decided to wind down its retail arm, *and make retail investors pay for this!* The FCA astonishingly gave them the green light for this and now, as it looks like I'm going to be several thousand pounds down I've lost faith both in the FCA and the financial group who's name is involved (Assetz).

[@theodavies8754]

Not found multi car to be competitive. Always shop around for renewal. Loyalty is expensive.

[@Nexinator]

I HATE insurance. A compulsory buy-in. My insurance this year went from £350 last year to well over £700 this year. The reason? "Oh, other people are claiming a lot more". Right, ok, so double my premiums for being a non-claimer in 20 years. Ok.

[@kathydean3313]

Insurance companies now want to take the risk out of insurance.

[@markhowards420]

A few years ago one company decided to cancel my policy without a good reason and had the audacity to ask me for money for the remainder of the month . Now they've now sold to a debt agency & it's been doubled to about £130 😡

[@contessa.adella]

Driving performance monitors ARE a scam…They are set to show poor driving, to justify not providing a ‘good driver discount’. The degree of reduced acceleration, gradual braking and gentle cornering are so mild that you will need to be a road menace and obstruction. We had them to our works vans in a delivery company I spent many years with. The device showed a traffic lights colour scheme to alert the driver if a parameter was breached…and reported back to the Depot. Point being, just keeping up with normal traffic produced Amber and Red warnings. Taking a roundabout as gently as possible produced Amber warnings and to brake, anything much more then just letting the vehicle slow naturally would register as heavy braking. They were diabolical…eventually the company ditched the scheme.

[@keithposter5543]

FWIW, ones to avoid based on experiences of friends and family: AXA, Admiral, Hastings

[@mercedesblack7828]

One thing i would like to say is in how if you take out a year policy and then you end up without a vehicle after 3 months ( for example) why should you be made to still pay for the rest of the year when you have no vehicle? Say, for instance a bailiff or debt enforcement remove the vehicle. Why does nobody like to answer my serious questions? Talk about scams!

[@kurtsteiner8384]

I am with aa they are pretty good so are rias. Admial do multi car, how reasonable they are for that i dont know.

[@brianw5126]

My insurance was renewed at the start of the month, the renewal quote was about 10% less than last year

[@djburland]

Car insurance is a nightmare. I was stationary on the A10 and got rear ended by a big lorry ! One of the big groceries. So I thought no problem as they will cover it all. Which they did and my full no claims bonus was protected. But on renewal my insurance almost doubled!! Only one winner out of this, the insurance company 😕

[@PORRRIDGE_GUN]

This is true. Protected NCB is worthless for experienced drivers. Get the Motor Legal Insurance

[@cameronleehorace]

My experience with the tracking devices as a new driver is not a good one. I tried the app rooster and drove for a month and it wasn't even able to offer me insurance and considering I have passed an advanced driving test etc this is surprising. My take on it, if you drove like the tracker wanted you to then you would be far more likely to be in a collision. I now just pay the extra on insurance and have it without. My question is, what are the legal matters surrounding the job description? Can insurance companies fail to pay out if you claim you are employed, self or employed when not working etc?

[@mrclubby26]

use a reputable independent broker, both of my cars were re-insured this month, both cheaper than last year

[@JaenEngineering]

We need to go back to individual drivers, not cars. So you have a 3rd party policy for the driver that covers then ip to a certain class of vehicle. Then you insure your car separately like you would any other property.

[@jonk5755]

My renewal quote is 43% higher than last year, nothing's changed apart from insurance company greed!

[@colingrant-ic1de]

Just a quick point. A legal expenses policy is designed to cover your uninsured loss such as the policy excess, personal injury from a third party responsible for the accident. Your motor insurer should defend any claim made against you if you were not responsible. I think it is very unlikely that any Legal Expenses policy would cover that sspect of a vlaim.

[@markant2834]

I had insured a car for the first time in over 10 years, as i was using company vehicles, so there was no need for me to buy a car during that time. It was very expensive considering I'm 50 + years old and having fallen out with the company i had a vehicle with. i had no no claims discount. I went for the cheapest, which had a black box to plug in cigarette lighter. The 1st month was ok, i am a good driver with no points ever on my licence. The second month i used the car less but was getting msgs sent to me via text saying your driving is poor , and the same with the 3rd month which seemed unfair. I spoke to a relative of mine who had a similar issue with the same company. I think it is a con in my humble opinion. I was glad that a 3rd party crashed into my parked car, which i wasn't in at the time. After that, experience with the black box i will not entertain another policy that comes with a blackbox . I would rather pay extra. And i seriously hope im past safe driving age or dead before all the motor insurance companies say YOU HAVE TO HAVE A BOX to get insured. As im certain it will come to that.

[@ColinRichardson]

My mate (policeman) hated the telemetry boxes. They were tracking his cornering G-forces. He got a telling off. Lol

[@briangriffiths1285]

Having made several claims over 60 years of driving, buy insurance from the firms that will pay! I had the problem of trying to squeeze money out of a well known company (at the time) some 50 years ago, miserable bastards found every way to reduce the claim.

[@VeryOldSaint]

In New Zealand you are not legally required to have car insurance.

[@roystonjames7794]

My policy says i am covered if an uninsured driver is involve in a accident with my car as long as its not my fault, as I see it the uninsured driver should not be there in the first place, so the fault should on them for being there with no insurance.