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Any - Are Immigrants increasing the Cost of Insurance? - 1litregolfeater

A friend has told me that her insurance has doubled from three years ago.

Mine, living two miles away, but without an immigrant population, has gone down.

We are similiar car owners, large ccs, few years old, similiar demography and history.

She was told it was due to fraud, and the insurance companies not able to cover their costs in certain areas.

In time this will push insrance up for all of us and I will be grateful for all your thoughts and ideas.

Any - Are Immigrants increasing the Cost of Insurance? - craig-pd130

The clue to at least part of the rising cost is probably the gender of your friend. Some insurers have raised premiums for female drivers as a response to the recent EU ruling.

And insurance fraud is the exclusive preserve of 'immigrants', is it? I'm sure that no-one born and raised in the UK has ever made a fraudulent claim.

Any - Are Immigrants increasing the Cost of Insurance? - Collos25

Wait till the next wave of eastern block countries invade the UK they are professionals at crime .

Any - Are Immigrants increasing the Cost of Insurance? - lordwoody

"they are professionals at crime"

What, as opposed to the amateur British criminals?

Brilliant.

Edited by lordwoody on 04/02/2013 at 10:46

Any - Are Immigrants increasing the Cost of Insurance? - jamie745

I'm quite embarassed at the current crop of British criminals to be honest, no ingenuity these days at all.

Look, it'd be stupid to say immigration is increasing the cost of insurance but it'd be fair to say immigration policy may be having an impact. Keep in mind much of the UK's immigration policy is set by the European Union and not the people you vote for to inhabit Westminster. The European Court of Justice - whos judgements you have to abide by as a pre-requisite for EU membership, so don't tell me they're nothing to do with the EU - has recently imposed more regulation on the British insurance industry which our Government cannot change irrespective of who we vote for.

Any - Are Immigrants increasing the Cost of Insurance? - SteveLee

It's not politically correct to admit it - but the vast majority of "cash for crash" scammers are from the Pakistani/Bangladeshi community. Just look up convictions on the internet and check out the names involved. Yes there are fraudulent claimants from all walks of life, but those mentioned above massively over-represent themselves when it comes to fraudulent claims. There are problems in other communities as well, it's well known in the Afro Caribbean community to either share driving licenses or to pay others to take their tests, Coming from a “black area” I know several people personally who did both. Of course breakdown of this sort of thing will never be published as it goes against the statist dogma that immigration is a benefit to society – end of – whether there's evidence to the contrary or not – pointing out such contrary evidence automatically makes you a racist.

Any - Are Immigrants increasing the Cost of Insurance? - Hamsafar

Yes. I think there are two main areas which need a crackdown:

1.) Massive crash for crash scandals by Pakistanis/Bangladeshis.

2.) Eastern European drink drivers.

also, not really immigration, but foreignors nevertheless...

3.) LHD lorries.

Any - Are Immigrants increasing the Cost of Insurance? - Armitage Shanks {p}

I do not know how it could be achieved but a town that I visit has a noticeable number of foreign registered LHD cars and large vans. How do we know that these vehicles are being driven with valid licences and insurance? What powers do the police have in connection with these vehicles? One I see has been in UK for over 12 months, does that mean it should have been UK registered?

Any - Are Immigrants increasing the Cost of Insurance? - Ed V

One cause (surprise!) is that claims have exceeded premiums and investment since around 2006.

That is largely due to an increase in the cost of each claim rather than the numbers of claims made. For example, 3 people per car rather than one. Nonetheless, the ambulance chasing firms have been successful in increasing the number of claims made per accident as well as the quantum of claim made.

Finally, the aggregator websites have succeeded in reducing premiums, especially of the better-risk driver, which has removed the "cream" of profits from insurers, forcing them to increase preiums across the board.

Of course, the well known scams don't help, and many of these take place in immigrant-dominated areas of northern cities in particular, but the causes are more than this simple fraudulent stuff.

Any - Are Immigrants increasing the Cost of Insurance? - Collos25

"Finally, the aggregator websites have succeeded in reducing premiums, especially of the better-risk driver, which has removed the "cream" of profits from insurers, forcing them to increase preiums across the board"

I assume you mean the comparison web sites these have actualy increased premiums they are owned by insurance companies and are clever advertising to think you the customer are getting a bargain.

Any - Are Immigrants increasing the Cost of Insurance? - carl233

The real force behind the cost of insurance is the insurance organisations greed. The game is rigged, they manipulate the repair network so that they can profit from the parts used, the direction of work flowing into the repair network is also dictated heavily by them. They will always find some reason why insurance cost must rise their objective is fleece the customer at every turn.

Any - Are Immigrants increasing the Cost of Insurance? - Ed V

The Lloyd's motor syndicates which have lost money have now pulled out of the comparison sites, which suggests they too believe they reduce premiums (and make the chance of profits less.)

Personal injury claims have rsien from about 147,000 in 2005 to 830,000 in 2011, while the number of accidents has reduced from 198,000 to 151,000 in the same period.

Rates have been falling (again) since quarter 4 2010. UK motor as a whole has not made an underwriting profit in any year since 2003.

Any - Are Immigrants increasing the Cost of Insurance? - Bromptonaut

Any - Are Immigrants increasing the Cost of Insurance? - Bromptonaut

Yes. I think there are two main areas which need a crackdown:

1.) Massive crash for crash scandals by Pakistanis/Bangladeshis.

2.) Eastern European drink drivers.

also, not really immigration, but foreignors nevertheless...

3.) LHD lorries.

1) Not immigrants. There's a suspicion segment of the settled community of that ethnicity mastermind this. Other forms of insurance abuse including whiplash, introductory fees, car hire and bloated repair are much more significant.

2) I'd not heard of this. How big is the reality as opposed to the media panic.

3) Is nothing new and same goes for our guys trucking abroad.

Any - Are Immigrants increasing the Cost of Insurance? - 72 dudes

1) Not immigrants. There's a suspicion segment of the settled community of that ethnicity mastermind this. Other forms of insurance abuse including whiplash, introductory fees, car hire and bloated repair are much more significant.

2) I'd not heard of this. How big is the reality as opposed to the media panic.

3) Is nothing new and same goes for our guys trucking abroad.

1). Yes, this is more accurate in my opinion

2). The magistrate's court list in our local paper every week would suggest this is true. Surnames of Eastern European origin account for about 40% of the drink driving convictions when the population rate for EE's is around 8%.

And I'll say it again, the target/bonus culture over here is partially to blame. Everybody from claims handlers, accident management companies, to hire car firms are "results driven". Even bodyshop estimators work off a basic salary plus bonus for hitting targets.

Any - Are Immigrants increasing the Cost of Insurance? - Bromptonaut

1). Yes, this is more accurate in my opinion

2). The magistrate's court list in our local paper every week would suggest this is true. Surnames of Eastern European origin account for about 40% of the drink driving convictions when the population rate for EE's is around 8%.

Presumably the message will get through pretty soon that the English take this seriously.

Any - Are Immigrants increasing the Cost of Insurance? - skidpan

Sorry to say but I don't think I am being robbed by the isurance companies. We have 3 cars in the household and the total bill is £710 a year. That includes a break down policy that covers both myself and the wife in whatever car we are driving or passenger in plus a legal expenses policy that covers both of us for whichever car we are drivng or passenger in.

Both of us have max. no claims and no convictions. Cars are BMW, Kia estate and 2 seater sports. BMW and Kia are 15,000 miles a year, sports is 3000.

20 years ago I paid £720 a year to insure a Golf GTi as a mature driver with full no claims and no convictions.

To me the price I am paying today is an absolute bargain.

Any - Are Immigrants increasing the Cost of Insurance? - 72 dudes

I don't disagree - my premiums are very low too.

The problems seem to start when you actually have to make a claim, especially when accident management companies and hire cars enter the equation.

Not to mention the "preferred repairer" nonsense, based no doubt on some kind of annual rebate based on level of business.

Any - Are Immigrants increasing the Cost of Insurance? - Bobbin Threadbare

It's so postcode dependent - I improved the conditions for my car by getting a garage, drive, dropping yearly mileage by a good chunk and having a nice little cul-de-sac street, but at the same time moved 20 miles down the road and as such, my premium went up by £120 (+£26 admin fee - grrr). That felt like a let down. Penalised for my postcode for sure!

Any - Are Immigrants increasing the Cost of Insurance? - thunderbird

The Lloyd's motor syndicates which have lost money have now pulled out of the comparison sites, which suggests they too believe they reduce premiums (and make the chance of profits less.)

Only tried a comparison site once. The quote from the lowest looked very good (almost too good) so I rang them direct to check. The price quoted direct was 25% less than that quoted on the comparion site so it clear to see who's making money there. Needless to say I have never bothered with such sites again.

Any - Are Immigrants increasing the Cost of Insurance? - 1litregolfeater

Many thanks for all your replies, which I find most interesting. I had figured out most of what was going on, but not all of it.

I suppose an A Level Economics student could have predicted this, why not then our politicians?

The most interesting aspect is how the additional charge is being forced on people with good insurance records going back 20 or 30 years, for no fault of their own, just living in the wrong place.

These places might typically be those closer to town where rents are cheaper, and immigrants naturally choose to settle.

A Marxist might see it as Global Capitalism taking all the rewards for itself while making the poor worker continually poorer.

I don't know if its as simple as that but it'll be interesting to see how things play out in coming years.

Any - Are Immigrants increasing the Cost of Insurance? - thunderbird

You simply cannot beat the good old racist thread.

Your insurance goes up so lets blame the immigrants.

When my dad got hit by an uninsured hit and run driver they turned out to be white and English.

There is good and bad in every culture so lets not start stereotyping people by colour and religion etc.

Remember, that is how the Nazis started.

Any - Are Immigrants increasing the Cost of Insurance? - dacouch

There was an amusing article in the nasty Daily Mail at the weekend about Boston in Lincs which has a very high Polish and Lithuanium population due to the farming work in the area.

The DM normally dislike the Polish immigrants, but the thought of the Bulgarians and Romanians coming over has alarmed them even more and they confused them. Their article ironically was saying the Bulgarians etc will come over and take the Polish and Lithuaniams jobs...

Expecting them soon to start saying the Bulgarians were involved in the Princess Di conspiracy

Any - Are Immigrants increasing the Cost of Insurance? - skidpan

Round these parts there was a large Polish community when I was a youngster, they even had their own church (as did the Ukranians). Most had stayed here after WW2 and married locally, went to school with plenty of their children, no one ever commented. Very few are alive now and the church has been struggling to keep going in recent years.

We now have a large Polish community again, there are Polish shops and most supermarkets stock a large amount of food to satisfy their tastes.

The company I work for has offices in Poland, Rumania and other eastern countries. These have opened in same period Poles etc have been coming into the UK.

It works both ways and long may it continue.

Any - Are Immigrants increasing the Cost of Insurance? - Bromptonaut

Ealing used to be recognised as having a large Polish community most of them folks who'd stayed on after the war.

Met a through few work and they told a rather differnt story about public reaction - much the same as now.

Any - Are Immigrants increasing the Cost of Insurance? - jamie745

There was an amusing article in the nasty Daily Mail at the weekend about Boston in Lincs which has a very high Polish and Lithuanium population due to the farming work in the area.

Was farming not getting done in Boston before 2004 then? Were the vegetables rotting in the field before 2004? Was food 10 times more expensive than it is now before 2004? Stop making out we need totally uncontrolled immigration just to pick cabbages, we don't.

All the hyperbole scaremongering about why we need open door, unlimited, uncontrolled immigration from the entirity of Eastern Europe is extremely annoying because the policy is less than 10 years old and we managed ok before it.

Boston really is a turdhole these days and when a white English Boston resident dared to describe the town on Question Time she was screamed down as a racist. She merely pointed out most people in the street, doctors surgery, supermarkets etc don't speak English and most formerly local people have moved away now.

When my dad got hit by an uninsured hit and run driver they turned out to be white and English.

Ah the classic exception to the rule post. People were discussing basic trends and broader immigration policy on here, what happened to your Dad in one instance is irrelevant and disproves nothing. Nobody here is denying there is English scum too, but that's not the topic.

The company I work for has offices in Poland, Rumania and other eastern countries. These have opened in same period Poles etc have been coming into the UK.

You can open up offices wherever you want but that doesn't mean there should be unlimited free movement of people between those countries. You're not seriously trying to tell me more than one million Brits have flocked to Poland since 2004 are you? No? Good.

It works both ways and long may it continue.

Free movement of people needs to end immediately. Those census figures even shocked me and I've long theorised the Daily Mail may (unfortunately) actually have a point. The influx into our tiny islands in the last decade is the fastest growth in our population since the Romans arrived, yet if you even question the policy you are described as racist.

The Labour Government destroyed hundreds of years of enviable work done by this proud country of integrating all religions, creeds and races into our culture by just handing all immigration control to Belgium. They should be ashamed of themselves because their policies have led to most towns in Britain now having a foreign ghetto.

You can't tell me all of those 4 million are here picking lettuces in the field.

Edited by jamie745 on 07/02/2013 at 17:00

Any - Are Immigrants increasing the Cost of Insurance? - skidpan

jamie745

That is total crap and I hope you know it.

If you believe it I do not know how you manage to cope in a free country where equality is of paramount importance. You should be ashamed of such views.

Any - Are Immigrants increasing the Cost of Insurance? - jamie745

Oh right it's 'equality' now is it? You lot are getting really desperate when you reach for such distant straws. First you told us we need totally uncontrolled open door immigration because we can't pick lettuces ourselves, now that's been disproven you throw a bogus equality argument around?

Nowhere outside Europe has total uncontrolled, open door immigration. Are you accusing the United States and Australia of being unequal countries because they don't allow millions of unskilled people to just wander into their country from all over the continent?

I'm not ashamed of desiring sensible immigration controls akin to most sensible countries outside Europe, no.

Any - Are Immigrants increasing the Cost of Insurance? - Collos25

If all the ex Pats returned to the UK it would sink under the weight they far outway any body who has come to the UK looking for work or any other reason.

Any - Are Immigrants increasing the Cost of Insurance? - jamie745

If all the ex Pats returned to the UK it would sink under the weight they far outway any body who has come to the UK looking for work or any other reason.

Well that's simply not true is it. You apologists for the EU's open door immigration policy are getting really desperate now, you're just making stuff up.

Last year 183,000 more people came to the UK than left. The year before the figure was 242,000. The population has increased by more than 4 million in the last 10 years. More people have arrived in the UK than left for over 15 consecutive years.

183,000 is bigger than the population of Reading. 242,000 is nearly as big as Stoke-on-Trent.

Am I the only one who thinks a town bigger than Reading arriving in Britain every 12 months is unsustainable? Is it racist or an insult to 'equality' to point out this basic mathematical fact?

This is without even discussing the illegal immigrants, the Home Office very quietly admit they don't really know to the nearest 2 million how many people are in the UK. Yet we have a comprehensive database for every car and know how many of them we've got.

Couldn't make it up.

Edited by jamie745 on 07/02/2013 at 19:32

Any - Are Immigrants increasing the Cost of Insurance? - Ed V

The issue we are wrestling with is whether (one of) the richest countries in the world have an obligation to share that wealth through uncontrolled immigration.

Is a modern day "goldrush" from Eastern Europe viable for 1) the UK; 2) Eastern Europe itself.

Racism has nothing to do with this debate. It's an economic debate - probably not for this site then!!

Any - Are Immigrants increasing the Cost of Insurance? - jamie745

The issue we are wrestling with is whether (one of) the richest countries in the world have an obligation to share that wealth through uncontrolled immigration.

Well the answer to that is easy and requires no wrestling; No, we dont.

I mean what a ridiculous thing to even suggest, it's a fallacy to believe Britain can solve the problems of Romania (for example) by importing Romanians.

Back when uncontrolled immigration was essentially limited to the rich countries of Western Europe, we could feel quite relaxed about the matter. People don't flee France for England to claim benefits or work cash in hand while living in a tent, because France has a similar standard of living to us. Yes we can debate whether the UK or France has better hospitals/schools etc but we're broadly similar.

Bulgaria on the other hand - whose transitional controls end in January 2014 - is a nation run entirely by criminality and the mafia. The judiciary is broken, the average wage is less than 200 euros a month and more than 50% of it's citizens live below the poverty line. Such a corrupt country shouldn't even be in the EU (by it's own rules of admission) and although I feel for the people of Bulgaria, our country is bankrupt and simply cannot take another wave of unskilled labour putting severe pressure on services.

Britain is over £1trillion in debt, we have an annual budget deficit over £100billion, councils up and down the country are having to slash costs and theres schools in London now where 75% of students don't speak English as a first language. We cannot support a town the size of Reading arriving in the UK every 12 months, especially as the EU now says migrants should have access to our social security system.

Any - Are Immigrants increasing the Cost of Insurance? - mlj

There used to be moderation on this site regarding overtly political material. Many of the latter comments on this thread are unpleasant and racist.

Is this what passes for intelligent motoring conversation now?

Shame.

Any - Are Immigrants increasing the Cost of Insurance? - jamie745

Please pinpoint my supposedly 'racist' comments please. What's racist about wanting sensible, work permit based immigration control? What's racist about pointing out we can't sustain a town the size of Reading arriving in the UK every year? What's racist about pointing out services are under severe strain and the country is bankrupt?

What's racist about pointing out lettuces did indeed get picked and packaged before we opend the doors in 2004? What's racist about pointing out no country outside Europe practices such reckless immigration non-control? What's racist about questioning Bulgaria's legitimacy to even be in the EU?

What have I said that's racist? Quote my racist remarks please. If you can't back up your claims then shut up.

Any - Are Immigrants increasing the Cost of Insurance? - unthrottled

There used to be moderation on this site regarding overtly political material.

It's just a bit of thread drift-inevitable on forums. Nothing to worry about. If you don't like the direction a thread is taking, don't follow it. Simple. Why do some people clamour for opinions that they don't share to be censored? I've had quarrels with most of the regular contributors on this forum. I would never want an opposing opnion to be moderated.

If someone expresses their thoughts in an unpleasant way, the credibility of their argument is lost in the bile. In this way, threads are usually self moderating.

There's much more of an disincentive to write carelessly, knowing that any offending material will be left on view, rather than discreetly removed by a moderator.We don't want to return to the bad old days when over-zealous moderation left many posts with more redactions than an MP's expenses form.

Any - Are Immigrants increasing the Cost of Insurance? - dacouch

Amusingly the lady on Question Time was the grand daughter of a Polish Immigrants who came to England after the war seeking a better life and settled in Boston.

Zenophobia rather than racism

Any - Are Immigrants increasing the Cost of Insurance? - Collos25

We are nearly all immigrants when you look back a few generations its swings and roundabouts really .For your enlightenmeant Jamie expats out number the immigration into the UK over the last hundred years by a factor of 4 to 1.We expats are in Australia,America,Canada,South Africa you name a country and the Brits are there I am 1 of many thousands of Brits in Germany its just one world and your a short time on it so lighten up and enjoy your stay.

Any - Are Immigrants increasing the Cost of Insurance? - jamie745

We are nearly all immigrants

Well no we're not actually are we, I mean that's an incredibly weak argument often trotted out by the EU open-door apologists and I'm surprised it's taken this long for it to rear it's head. I should be happy though, when you can't justify your point of view by providing a sensible argument based on economics so resort to a pseudo-moralistic line, I'm winning the argument.

Amusingly the lady on Question Time was the grand daughter of a Polish Immigrants who came to England after the war seeking a better life and settled in Boston.

Zenophobia rather than racism

So if you're concerned about your town creaking under the pressure of uncontrolled, open door immigration then you're xenophobic? If you're not comfortable with a part of England feeling more like a part of Poland then you're a racist xenophobe?

It's hardly amusing, if anything it proves my point. This country has been brilliant at incorperating other races/religions etc into our own culture down the decades yet we've destroyed that record by having a total open door. The settled immigrant community who came here in controlled numbers, integrated into British culture and learned the language are also concerned about every town having a Polish ghetto, perhaps even more concerned than we are.

For your enlightenmeant Jamie expats out number the immigration into the UK over the last hundred years by a factor of 4 to 1.

What does that have to do with FOUR MILLION people coming to Britain inside just ten years? Because British people emigrated in a controlled, organised fashion - abiding by other nations immigration rules - over an incredibly long time, it's therefore ok for us to increase our population by 4 million inside just one decade? I'm pretty sure all those countries didn't just let us all wander in as we please.

If I want to work in America I have to show America that I have something to offer America. An EU citizen coming to the UK doesn't have to do any of that, is America racist?

Your argument is incredibly thin.

Any - Are Immigrants increasing the Cost of Insurance? - Ethan Edwards

Jamie I must object to your post mate. Your opponents arguments should not be referred to as merely thin when in fact they are simply incredibly weak and utterly nonsensical.

Do hope that clarifies the situation. Please carry on.

incidentally I think the OP's suggestion does have merit. In that the immigrant community probably does have a disproportionate number of uninsured,criminal and bad drivers, drunk out of their skull at 9am and otherwise. But lets not understimate the home grown uninsured, criminal, drunk and bad drivers.

Which combined most certainly do force up premiums for the rest of us.

Any - Are Immigrants increasing the Cost of Insurance? - Avant

"There used to be moderation on this site regarding overtly political material. Many of the latter comments on this thread are unpleasant and racist."

We moderate with a lighter touch nowadays: we censor personal insults, rudeness and unhelpfulness to people seeking advice as well as spam, but a forum is called that because it should encourage free 'speech'.

If you don't like what you see, you're under no obligation to read it.

Any - Are Immigrants increasing the Cost of Insurance? - jamie745

Jamie I must object to your post mate. Your opponents arguments should not be referred to as merely thin when in fact they are simply incredibly weak and utterly nonsensical.

I was trying to be kind. The fact I've put forward what I feel to be a sensible desire for sensible, work-permit-based immigration control and been described as a racist, a nazi and a xenophobe (all without action from Avant I might point out) shows you how bonkers the country now is.

We moderate with a lighter touch nowadays: we censor personal insults, rudeness and unhelpfulness to people seeking advice as well as spam, but a forum is called that because it should encourage free 'speech'.

I think I deserve a gold star for being surprisingly restrained on this thread compared to my delete-worthy posts of yesteryear. It should be noted I've been likened to Adolf Hitlers henchmen for pointing out the EU's immigration policy is damaging and senseless.

I hate to remind everyone but these are people who beat, tortured and experimented on innocent people, including feeding them rotted nettles and forcing them into hard labour. They put people into gas chambers and didn't even think twice before locking the door.

Are you sure what I'm saying is comparible and are such comments allowed Avant?

Edited by Avant on 08/02/2013 at 23:52

Any - Are Immigrants increasing the Cost of Insurance? - Avant

Fair enough Jamie - a certain amount of restraint helps to make your point more effectively.

I would never compare you or anyone else to the Nazis.

Any - Are Immigrants increasing the Cost of Insurance? - jamie745

Well thunderbird hilariously envoked Godwins Law very early in this thread by saying Remember, that is how the Nazis started.

By the way Avant, is there some reason why my reference to a significant event during The Porajmos was edited out of my previous post? Why did you take umbridge with that specific line if I may ask?

Any - Are Immigrants increasing the Cost of Insurance? - skidpan

"There used to be moderation on this site regarding overtly political material. Many of the latter comments on this thread are unpleasant and racist."

We moderate with a lighter touch nowadays: we censor personal insults, rudeness and unhelpfulness to people seeking advice as well as spam, but a forum is called that because it should encourage free 'speech'.

If you don't like what you see, you're under no obligation to read it.

Perhaps you moderators should take racism more seriously. It is a criminal offence after all. Would you really want this site to get dragged through the courts with its figure head Honest John in the dock.

Do your jobs and remove blatantly racist posts just like you do with spam.

Free speach is one thing, racism is totally different.

Any - Are Immigrants increasing the Cost of Insurance? - Avant

Jamie, I was just being careful: your reference to gypsies could have been taken as offensive.

I don't see any criminal offence being committed in the above posts. However this thread has moved away from its raison d'etre of car insurance and I think it has run its course. So I'll close it. Enough said.

Edited by Avant on 09/02/2013 at 10:29