Totally agree insurance is rediculous, i know when i having been playing about with quotes over the past year (old job was very boring so played on comparison sites).
basically the more you do to stop your car from being stolen the more the insurance costs,
i.e.
- Garaged, tracked, thatcham alarm = a good £200 more than if it is parked on the street, standard alarm and untracked
Totally rediculous, i would love to see how cheap it would be if you parked it in the middle of moss side with the doors and windows open engine running, probably end up being free or the insurance company paying you to insure it.
also makes me laugh that the more you do to improve you car to stop you from having and accident (ie better brakes, suspension etc) all make it more and for example snow tyres in the current climate, i dont get why in christs name they add a premium for them.
i dont see why insurance companies dont just charge a set amount for a car/age group and if the owner modifies it he covers the costs himself should it get nicked/broke the insurance company would just pay out for a standard car, would make so much more sense especially as more people would be able to insure their cars leaving fewer people uninsured on the roads. [/rant/tangent]
slightly more on topic sorry to hear about the accident, one thing im dreading atm with all this snow thankfully off work now until january so dont have to drive so much and the zeds not moved out of the drive for about a week if not longer (only had it 2 weeks too ).
was reading somewhere the other day (dont know how true it is) but insurance claims all get based on negligence of the other party so in the current weather if they can prove that the accident was caused by the snow/weather and not through them being a tart then it doesnt go down as their fault it just goes down as act of nature type thing as there was nothing they could do so its kind of a 50/50 outcome for both parties.
hope it all gets sorted though. *ill stop typing now promise*