Car insurance question

[Drago]

You are one of the worst, I've not seen anything from you other than encouragement, shocking!

As shocking as deliberate and constant thread derailment?

 

[JoshM]

As shocking as deliberate and constant thread derailment?

It's hardly irrelevant to talk about informing insurance companies about your pre existing medical conditions which may affect your ability to drive in a thread about car insurance though, is it?

I realise @Accy cyclist, if he's not a troll, will ignore posts which contains information or advice he doesn't like, but that doesn't mean the content of those posts are any less relevant. I, for one, believe its worth continuing to try and get him to see how dangerous and selfish his actions would be if he really was to drive when as impaired as he has previously made out. However unlikely, it might just change his mind and save a life.

 

[Accy cyclist]

Concerning my eyesight,i'm due to see an eye specialist in mid October. I'm presuming he/she'll give me a thorough examination. If they say i'm not fit to drive then i'll accept their advice. I did ask for an earlier appointment but this was the earliest one available.

 

[JoshM]

Concerning my eyesight,i'm due to see an eye specialist in mid October. I'm presuming he/she'll give me a thorough examination. If they say i'm not fit to drive then i'll accept their advice.

Well that's a step in the fight direction I guess. Still think the 'right' thing to do would be to not drive until you have the specialists opinion given you've stated that you don't feel safe to drive. It would probably make sense for you too. I mean if your vision is actually as bad as you believe it to be you could spend years paying off a car you can't drive/ lose a significant chunk of your savings selling a car you've just bought at a loss because you can't drive.

 

[Electric_Andy]

I know those like confused,com were discussed on CC the other week,but i didn't read it as i wasn't bothered then,but now i am. Did they decide on the thread that they don't come up with the cheapest insurance out there?

They've always worked for me in terms of cheapest quotes. I did once try those that weren't on the comparison sites (such as Direct Line) but they were nowhere near competitive. All premiums have recently gone up due to some levvy imposed on the insurers or something, so bear this in mind.

By all means try phoning around, but IME the time and cost of phone calls, many are premium rate, doesn't make it worthwhile for me to try and save a few quid. I once racked up £7.20 trying to get a better quote, and the woman just put all my details in their system, the same as I did on Compare.com, and came out with the same quote that I was quoted on the comparison site. They would not budge on the price, perhaps they are not desperate for customers.

NCB will depend on the insurer and/or underwriter. I've never managed to haggle a quote down via telephone, but others may have.

Example of the quirkiness: my motorbike (650cc) cost me £96 fully comp to insure. If I declared that I used additional security (Abus chain and lock) it went up by about £25. This might mean that I'm aware I live in a dodgy area, or may have had attempted thefts before, so the insurers may assume that I am higher risk. or it may not. Other bikers have experimented by entering Chinese-sounding names instead of "English" ones (keeping all other details the same), and found that quotes were higher. It's all a game really, but of course all the details you put in have to be correct and accurate, otherwise it's fraud.

 

[swee'pea99]

Other bikers have experimented by entering Chinese-sounding names instead of "English" ones (keeping all other details the same), and found that quotes were higher. It's all a game really, but of course all the details you put in have to be correct and accurate, otherwise it's fraud.

This, however appalling, is, I believe, true. A friend of mine used to use his given name - Rudolph - to get insurance quotes, having discovered that using 'Rudi' - the name he lived by, tended to result in higher ones. Rudi was at the time (may still be) a popular name in the West Indian community.

 

[classic33]

[QUOTE 4937490, member: 76"]https://www.gov.uk/driving-eyesight-rules

From what you have said you fall foul of.......

You must tell DVLA if you’ve got any problem with your eyesight that affects both of your eyes, or the remaining eye if you only have one eye.

You must also meet the minimum eyesight standard for driving by having a visual acuity of at least decimal 0.5 (6/12) measured on the Snellen scale(with glasses or contact lenses, if necessary) using both eyes together or, if you have sight in one eye only, in that eye.

They also make it clear that "You could be prosecuted if you drive without meeting the standards of vision for driving."

But hey, you won't listen, have a nice drive.[/QUOTE]
Has his doctor reported him. A legal obligation on their part.

If not, then it'd seem as though it's not been considered bad enough.

 

[alicat]

You have moved twice in a short space of time and are no longer an owner occupier. That could be what raised the premium. Insurers like continuity, imho.

 

[Electric_Andy]

Has his doctor reported him. A legal obligation on their part.

If not, then it'd seem as though it's not been considered bad enough.

This might be so, but it all depends on how rigorous, or not, the Dr is. A colleagues Dad (94) was blind as a bat, but just ticked a box to say he was ok to drive and nothing more was said. Luckily he quickly became too frail to drive anyway.

 

[Accy cyclist]

There's a certain irony that the Lady Di thread and this one have been started by the same person.

Yet you couldn't resist posting on both of them Rocky. There was me thinking you'd put me on ignore.