They are, without doubt, the biggest bunch of money grabbing bastards since the UK’s tax systems were invent. They ply their trade openly across this green and pleasant land and their main weapon of drumming up trade is to prey on the human fear of loss. Naturally, I’m talking about this country’s car insurers….
They are raking in thousands of pounds a day and are quite happy to pay out on a claim, as long as you don’t mind if your premium goes up when you do! And now they’re persecuting the unemployed driver. My only question is; how the hell are they getting away with it? Here’s an explanation from an arse inside the British Insurances Brokers’ Association.
‘Unemployed people are viewed as less likely to maintain their vehicles and as higher credit risks.’ He went on to say, ‘Insurers might also have concerns over what their vehicles would be used for and whether they would be used more often.’ [You mean people are actually driving their cars – on the roads – OMG!!!]
And cop this from the AA. ‘The unemployed are more likely to be distracted because of their circumstances, likely to be driving along unfamiliar roads and attempting to find specific addresses in search of job interviews.’ Priceless! Well I think someone should exert more pressure on the person who’s been cast aside from their employer, but how? Ooh, I know, let’s hike up their premium by 40%. This happed to one driver and it’s an absolutely despicable practice.
Another caring insurance Nazi said, ‘The long-term unemployed were more likely to be claimants than those just out of work, and their financial circumstances were seen as more likely to lead them to make fraudulent claims.’ Oh I see, so what they’re doing is ripping off the soft targets first, rather than shelling money to catch the few. It makes you wonder what the insurers next move will be, house insurance possibly. Can you imaging the scene? I’ll help you out.
‘Do you leave your house outside madam?’ ‘Err, yes.’ ‘Ooh that’s going to be expensive, is it valuable?’ ‘Well yes.’ ‘Does it have windows and doors?’ ‘Ummm, no!’ ‘Is it a tent?’ ‘Is a tent cheap to insure?’ ‘Yes.’ ‘Well yes, it’s a tent then.’ ‘Okay, let me just look at the risks, will you leave your tent outside and does it have window and door flaps?’ And so it goes on… I wouldn’t mind if insurers based the risks on actual human claims. Instead they use a method called actuarial science, which uses Mathematics and statistics for calculations.
My answer – since we don’t have a crash everyday, why should we pay for insurance every day? Think of it like the lottery…
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