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| SQL |
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SQL
World Chat Champion
Joined: 08 Aug 2012
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| P. |
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P.
Red Rocket
Joined: 14 Feb 2008
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 Posted: 23:16 - 17 Feb 2015  Post subject: |
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Dunno... I just leave it at maximum and refuse to pay it.  |
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| barrkel |
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barrkel
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Joined: 30 Jul 2012
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| Rogerborg |
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Rogerborg
nimbA
Joined: 26 Oct 2010
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Posted: 08:53 - 18 Feb 2015  Post subject: |
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Chaps, he's saying that he's getting a lower premium with a lower excess.
Because insurance.
Don't try and make sense of it, just sploit it.
____________________
Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike |
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| waffles |
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waffles
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| Ste |
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Ste
Not Work Safe
Joined: 01 Sep 2002
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| Posted: 09:08 - 18 Feb 2015 Post subject: |
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It's all just based on statistics. If people with higher voluntary excesses costs insurance companies more in claims from third parties than people with low excesses do then why would they want to give cheaper prices to the people who cost them more money. 
When I last renewed my home insurance it asked about the value of the contents. Errrr well I dunno, it starts on whatever they suggest as the 'average' value of contents for a house of this size in this postcode (30 or 40 something thousand I think it was) and I played around with it from there.
That's interesting... I put it up by a few thousand and the quote gets cheaper. Kept going with that and it turned out £100,000 of contents gave me the cheapest quote. |
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| P. |
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P.
Red Rocket
Joined: 14 Feb 2008
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| barrkel |
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barrkel
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Joined: 30 Jul 2012
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| Posted: 14:03 - 18 Feb 2015 Post subject: |
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| Paddy. wrote: | Indeed, so its never my fault. |
Theft counts as your fault, however.
Me pointing this out feels nasty, I don't mean it to be. The risk of theft is the main reason I don't have a very nice bike. I can afford shiny new things, but I not yet willing to pay the associated premiums. So I stick to sub-4k stuff. I don't pay too much attention to cleaning my bikes either for similar reasons.
Can't have nice things.
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Bikes: S1000R, SH350; Exes: Vity 125, PS125, YBR125, ER6f, VFR800, Brutale 920, CB600F, SH300x4
Best road ever ridden: www.youtube.com/watch?v=s2MhNxUEYtQ |
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Old Thread Alert!
The last post was made 10 years, 350 days ago. Instead of replying here, would creating a new thread be more useful? |
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