aidan Posted June 1, 2014 Posted June 1, 2014 (edited) So you get done for speeding / using phone / etc etc (delete where appropriate) - and get your three points and fine as you deserve. After three years the points are no longer counted on your licence. After four years you can have them removed from your licence. BUT Why then do insurance companies still stipulate 5 years!!!! Sorry for the rant, but it pi**es me off......as per title scamming buggers! Edited June 1, 2014 by aidan 2 Quote
ChrisS Posted June 1, 2014 Posted June 1, 2014 It's been like that for 20 + years. Not saying it's right, but one is government one is a private company. If the private company want to hold it against you for 20 years they can if they want. It's their business choice not the politicians. Quote
Randy_Baton Posted June 1, 2014 Posted June 1, 2014 Because if you did something likely to cause an accident in the past you're more likely to do it again in the future regardless of the time frame. We're lucky it drops off at all. It's statistical analysis, not law breaking. Law breaking is just the thing that brings it to their attention. Quote
Ekona Posted June 1, 2014 Posted June 1, 2014 Easy answer is not to break the law. Or at least, don't get caught. Quote
wizurd Posted June 1, 2014 Posted June 1, 2014 They are there to make money. Not there for any higher reason that's for sure. Work with enough of them to know that. Quote
PiGFoetus Posted June 1, 2014 Posted June 1, 2014 And that's the truth of it. Providing us with a financial umbrella in the event of misfortune is the service we must buy. They need to make the most they can off us without us picking a competitor. If they can club together to reduce the number of common variables and concentrate on their own CVPs and USPs, then that makes their lives more straightforward. As with most business, we are cattle to be herded. Quote
Ekona Posted June 1, 2014 Posted June 1, 2014 They are there to make money. Not there for any higher reason that's for sure. Work with enough of them to know that. Well yes, that is kinda the whole point of businesses, I do believe. Quote
wizurd Posted June 1, 2014 Posted June 1, 2014 They are there to make money. Not there for any higher reason that's for sure. Work with enough of them to know that. Well yes, that is kinda the whole point of businesses, I do believe. True Not that I agree with it lol Quote
Ekona Posted June 1, 2014 Posted June 1, 2014 (edited) Really? Is that for business in general, or just for insurance? Should we have a government-run not for profit scheme, even accepting the extra admin costs that would incur? Edited June 1, 2014 by Ekona Quote
Stutopia Posted June 1, 2014 Posted June 1, 2014 (edited) Really? Is that for business in general, or just for insurance? Should we have a government-run not for profit scheme, even accepting the extra admin costs that would incur? Yeah man, the state should run all the other big stuff too, power, utilities, public transport. They should be by the people for the people! ¡Viva la revolución socialista! Edited June 1, 2014 by SuperStu 2 Quote
flyboy Posted June 2, 2014 Posted June 2, 2014 Just use an insurance company which asks for 3 years of history not 5! There are plenty about. Quote
JetSet Posted June 2, 2014 Posted June 2, 2014 When I switched my house and contents insurance to Lloyds TSB they wanted to know if I'd made a claim in the last 10 years ,which unfortunately I had. I'm surprised that motor insurance don't ask for a 10 year history as drink driving seems to effect your policy for many more than 5 years . Pete Quote
aidan Posted June 3, 2014 Author Posted June 3, 2014 Just use an insurance company which asks for 3 years of history not 5! There are plenty about. Name a few please?? I normally take the easy route...ie gocompare, but might look at ones that only go back 3 or 4 years. Quote
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