Driving experience? - Drifting forum

webby · 09-04-2008, 13:28

When you ask what car we've driven for the past year do you check in any way?

Captain Muppet · 09-04-2008, 13:40

.....

Dele-Himself · 09-04-2008, 14:16

....................This could end in a fail.

webby · 09-04-2008, 14:22

Why do you say that?

Dele-Himself · 09-04-2008, 14:29

Well, its sounds abit bait

Like if Ollie says they dont then you might ring up for a quote saying youve been driving a Ferrari Enzo for the last 2 years or something

webby · 09-04-2008, 14:40

Slightly exagerated but yeah I see where you're coming from.

The problem is ive tried getting a quote for a liner and, after ringing them for the 2nd time because the first guy didnt ring me back, I was told they couldnt quote me because I hadnt had the car or similar for the past year. I was told this was due to experience, even though the year before I had a 300zx and a 300+bhp 200sx. I understand where they are coming from to a degree but if there is no way of checking I dont know why they ask and why someone couldnt just "bend" the truth slightly.

LiGhTnInG · 09-04-2008, 14:51

LiGhTnInG · 09-04-2008, 14:52

Captain Muppet · 09-04-2008, 14:58

Seems like my first post was quite kind really, I should have left it.

webby · 09-04-2008, 15:02

Why didnt you?

Captain Muppet · 09-04-2008, 15:39

I thought that an accusation of intent to defraud might be offensive

webby · 09-04-2008, 15:42

I can see why you would think that but it would be rather foolish as I havent expressed any intent to do such a thing

Captain Muppet · 09-04-2008, 16:11

Just as well I didn't then.

skyinsurance · 09-04-2008, 16:55

PMSL!

Ollie

webby · 10-04-2008, 09:12

Great feedback, thanks Oliie

RandomGuy · 10-04-2008, 10:21

i dont see how this is a stupid question ...
he's merely asking that if insurance companies ask you what you had before for "experience" purposes and they can't check then whats the point in asking the question. and if you said a skyline they wouldnt know you were lying. whats the point in even asking the question.

LiGhTnInG · 10-04-2008, 10:55

Quote:

Originally Posted by RandomGuy

i dont see how this is a stupid question ...
he's merely asking that if insurance companies ask you what you had before for "experience" purposes and they can't check then whats the point in asking the question. and if you said a skyline they wouldnt know you were lying. whats the point in even asking the question.

Maybe they want to 'trust' that their customer wouldn't lie to them?

That they'd want to offer a more competitive deal to someone who had been driving highperformance cars for a while?

As opposed to someone driving around in a mini/punto for a while, then upgrading to something juicy, and telling the insurance company to trust them because they have been driving hardcore motors for years.

RandomGuy · 10-04-2008, 11:12

he's not saying he's gonna lie ...
he's saying if you did lie how could they check on you.
so whats the point in asking the question???!?!?!?

royal · 10-04-2008, 11:30

Its just the usual thing surely? they might not check you're 'standard, honest guvnor' motor didn't have 1200bhp under the bonnet but if it came to a claim they'd examine things further and then if you were lying your insurance would be void and you'd be up shit creek without a paddle. Its your judgement I guess?

LiGhTnInG · 10-04-2008, 11:33

Quote:

Originally Posted by RandomGuy

he's not saying he's gonna lie ...
he's saying if you did lie how could they check on you.
so whats the point in asking the question???!?!?!?

Well, they aren't going to believe him now after all of this, and I also wonder if he knows all of the insurance companies share information with each other?

Worth realising this IS a public forum, and I KNOW insurance companies read here, as I had trouble with the last practice day because of it.

09-04-2008, 13:28	#1 (permalink)
webby spl dori master Join Date: Jun 2006 Posts: 475	Driving experience? When you ask what car we've driven for the past year do you check in any way?

09-04-2008, 13:40	#2 (permalink)
Captain Muppet EuroDrift's slowest loser Join Date: Dec 2004 Location: three feet away from a tiny little turbo Posts: 1,056	..... Last edited by Captain Muppet : 09-04-2008 at 13:41. Reason: Not being such a dick

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09-04-2008, 14:16	#3 (permalink)
Dele-Himself Unlucky Racing Join Date: Oct 2005 Location: Stevenage, Herts Posts: 951	....................This could end in a fail.

09-04-2008, 14:22	#4 (permalink)
webby spl dori master Join Date: Jun 2006 Posts: 475	Why do you say that?

09-04-2008, 14:29	#5 (permalink)
Dele-Himself Unlucky Racing Join Date: Oct 2005 Location: Stevenage, Herts Posts: 951	Well, its sounds abit bait Like if Ollie says they dont then you might ring up for a quote saying youve been driving a Ferrari Enzo for the last 2 years or something

09-04-2008, 14:40	#6 (permalink)
webby spl dori master Join Date: Jun 2006 Posts: 475	Slightly exagerated but yeah I see where you're coming from. The problem is ive tried getting a quote for a liner and, after ringing them for the 2nd time because the first guy didnt ring me back, I was told they couldnt quote me because I hadnt had the car or similar for the past year. I was told this was due to experience, even though the year before I had a 300zx and a 300+bhp 200sx. I understand where they are coming from to a degree but if there is no way of checking I dont know why they ask and why someone couldnt just "bend" the truth slightly.

09-04-2008, 14:51	#7 (permalink)
LiGhTnInG Doricomotion Join Date: Aug 2005 Location: Herts Posts: 6,830

09-04-2008, 14:52	#8 (permalink)
LiGhTnInG Doricomotion Join Date: Aug 2005 Location: Herts Posts: 6,830

09-04-2008, 14:58	#9 (permalink)
Captain Muppet EuroDrift's slowest loser Join Date: Dec 2004 Location: three feet away from a tiny little turbo Posts: 1,056	Seems like my first post was quite kind really, I should have left it.

09-04-2008, 15:02	#10 (permalink)
webby spl dori master Join Date: Jun 2006 Posts: 475	Why didnt you?

09-04-2008, 15:39	#11 (permalink)
Captain Muppet EuroDrift's slowest loser Join Date: Dec 2004 Location: three feet away from a tiny little turbo Posts: 1,056	I thought that an accusation of intent to defraud might be offensive

09-04-2008, 15:42	#12 (permalink)
webby spl dori master Join Date: Jun 2006 Posts: 475	I can see why you would think that but it would be rather foolish as I havent expressed any intent to do such a thing

09-04-2008, 16:11	#13 (permalink)
Captain Muppet EuroDrift's slowest loser Join Date: Dec 2004 Location: three feet away from a tiny little turbo Posts: 1,056	Just as well I didn't then.

09-04-2008, 16:55	#14 (permalink)
skyinsurance gripper Join Date: Oct 2007 Posts: 100	PMSL! Ollie

10-04-2008, 09:12	#15 (permalink)
webby spl dori master Join Date: Jun 2006 Posts: 475	Great feedback, thanks Oliie

10-04-2008, 10:21	#16 (permalink)
RandomGuy Team Green Join Date: Aug 2005 Location: Manchester Posts: 6,207	i dont see how this is a stupid question ... he's merely asking that if insurance companies ask you what you had before for "experience" purposes and they can't check then whats the point in asking the question. and if you said a skyline they wouldnt know you were lying. whats the point in even asking the question.

10-04-2008, 11:12	#18 (permalink)
RandomGuy Team Green Join Date: Aug 2005 Location: Manchester Posts: 6,207	he's not saying he's gonna lie ... he's saying if you did lie how could they check on you. so whats the point in asking the question???!?!?!?

10-04-2008, 11:30	#19 (permalink)
royal S1- F.T break! Join Date: Nov 2005 Posts: 3,543	Its just the usual thing surely? they might not check you're 'standard, honest guvnor' motor didn't have 1200bhp under the bonnet but if it came to a claim they'd examine things further and then if you were lying your insurance would be void and you'd be up shit creek without a paddle. Its your judgement I guess?