I don’t know about you, but I’ve always thought that if you don’t do anything wrong and follow the rules then your car insurance should get cheaper.
Maybe you agree with that statement? I know that millions of motorists do, but it doesn’t always turn out like it should.
A Long Time Into The Future…FAIR Car Insurance!
If you are waiting around and expecting the car insurance industry to be fair, well, you are going to be waiting for a long time. Maybe as long as the Scottish Transport Minister waited for his bus.
So what is this all about you might be wondering? According to recent statistics, what seems to be happening is that many car insurance companies are calculating risk in completely the wrong way, which often leads to innocent members of the UK public getting charged more for things that were not their fault.
A spokesperson for a car insurance rating service recently said, “as insurers compete to find the very best risks, we’re creating an insurance underclass compromising certain minorities who fall outside the industry’s statistical norms.”
In other words, you could do absolutely nothing wrong and still get hit in the wallet. It just isn’t fair, but there isn’t much you can do about it.
Smart Motorists Do This
The only real solution I can think of is to visit a car insurance comparison website where it’s possible to get a better quote.
You might be a victim…but at least by using a comparison site you are given the opportunity to fight back.
What exactly are these 3 bizarre reasons anyway? Keep reading to be left bewildered…
An Accident That Wasn’t Your Fault
If you are involved in a crash that someone else caused, then by no fault of your own you may very well be quoted more expensive car insurance rates.
This even includes when your stationary car is hit while parked, and if a car parks on your roof near a train station.
Your House Is Brand New
There is nothing like moving into a newly built house on a new street, a fresh start. However, this could lead to your car insurance becoming more expensive.
The reason? Because the postcode doesn’t yet show up on the insurers database and they don’t know the theft risk, which means you get punished until their computer is updated.
Your Job Title
You might think that describing yourself as a cook instead of a chef is no big deal, and in a conversation on the street with a stranger it wouldn’t be.
Not so with those car insurance companies, who put more significance into your job title than you might think.
That is why I always advise to play around with your job title on the online application form until you get it right, because if you don’t then you could be charged more.
So now you know 3 reasons why your car insurance might have become more expensive this year, even if you did nothing wrong.
Like I mentioned earlier, a comparison website for car insurance is the best starting point, where in many situations you could find yourself with a saving of a few hundred pounds.
Fill out the form here at Cheap Car Insurance to find out how much you could save.