16th May 2022, 15:13
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#7
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This is my second home
2005 Connoisseur SE 1.8 Turbo,2004 45 1.8 Connoisseur and my beloved 1998 VVC Coupe.
Join Date: Nov 2009
Location: Derby.
Posts: 8,762
Thanks: 2,022
Thanked 1,016 Times in 739 Posts
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Quote:
Originally Posted by Dashnine
You said it yourself - 'chance', you can't judge the chances for each and every driver, car and road for every minute they're driving, and then factor in other drivers and their cars too. The annual cost is based on the data they hold against driver age and experience, car make and model, but the insurance companies will make adjustments based on actual data.
The overall insurance cost is based on a risk calculation, and as you've had one accident you're statistically more likely to have another driving the same car on the same road.
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I've travelled this stretch of road a thousand times before without incident.This time another driver made a poor choice and hit me.Why should HIS mistake cost me a higher premium?
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