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Post by MKAY315 on Nov 15, 2023 13:22:59 GMT
A friend of mine told me how his insurance went up considering he's had more than 15 years of driving with a clean record. I honestly thought he may have been stretching it by a small amount but when I did a test search for myself. I had to scream Blood of Jesus (I don't like to say God's name in vain) because what the hell is with these prices. Honestly it genuinely feels as though everyone is getting slapped ridiculously. Even looking at used cars that's more than 10 years old. There's no way in this life it should cost more than it should. My insurance company wanted about 300 or 400 pound extra this year! I called them they offered a £70 discount and this is with 20 years no claims. In the end I went on a comparison site which I don’t usually do and managed to find a renewal around what I paid last year! I’m paying £800 on a ten year old car. My post code doesn’t help matters. Look at that. This is not sustainable and I imagine you're not doing heavy mileage a year right? |
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Post by northlondon83 on Nov 15, 2023 13:57:46 GMT
I don't know how realistic this suggestion is but perhaps owning a car isn't wise if you can no longer afford it. I've lived my whole life not owning a car and know that I have saved myself a huge amount of money. It does help that I bike most places but even public transport isn't too expensive. I understand some people need a car for work or for stuff like shopping but I don't think that having a car is necessary.
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Post by SILENCED on Nov 15, 2023 14:02:02 GMT
I don't know how realistic this suggestion is but perhaps owning a car isn't wise if you can no longer afford it. I've lived my whole life not owning a car and know that I have saved myself a huge amount of money. It does help that I bike most places but even public transport isn't too expensive. I understand some people need a car for work or for stuff like shopping but I don't think that having a car is necessary. So you are of the opinion the poor should not be able to drive with it being restricted for the elite? Social mobility should be accessible to anyone. |
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Post by WH241 on Nov 15, 2023 14:12:15 GMT
I don't know how realistic this suggestion is but perhaps owning a car isn't wise if you can no longer afford it. I've lived my whole life not owning a car and know that I have saved myself a huge amount of money. It does help that I bike most places but even public transport isn't too expensive. I understand some people need a car for work or for stuff like shopping but I don't think that having a car is necessary. Well obviously if you can’t afford to run a car you would get rid of it. The difference is we are talking rip off increases in insurance premiums with no real justifications. How you choose to live your life if your choice but don’t make assumptions about other people or preach what people should and shouldn’t do. |
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Post by WH241 on Nov 15, 2023 14:23:50 GMT
My insurance company wanted about 300 or 400 pound extra this year! I called them they offered a £70 discount and this is with 20 years no claims. In the end I went on a comparison site which I don’t usually do and managed to find a renewal around what I paid last year! I’m paying £800 on a ten year old car. My post code doesn’t help matters. Look at that. This is not sustainable and I imagine you're not doing heavy mileage a year right? Nope about 5000 a year! The only plus I have is zero road tax. A car is my luxury as I don’t drink or smoke and to be honest couldn’t face having to bus it to and from work everyday. |
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Post by MKAY315 on Nov 15, 2023 14:37:45 GMT
Look at that. This is not sustainable and I imagine you're not doing heavy mileage a year right? Nope about 5000 a year! The only plus I have is zero road tax. A car is my luxury as I don’t drink or smoke and to be honest couldn’t face having to bus it to and from work everyday. Factoring that and fuel and MOT costs. It's a lot. Surely something has to give because they can't keep expecting people to pay this amount each and everytime and those people that their cars like mine that was registered after April 1st 2017 are on the variable rate. |
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Post by vjaska on Nov 15, 2023 15:23:55 GMT
I don't know how realistic this suggestion is but perhaps owning a car isn't wise if you can no longer afford it. I've lived my whole life not owning a car and know that I have saved myself a huge amount of money. It does help that I bike most places but even public transport isn't too expensive. I understand some people need a car for work or for stuff like shopping but I don't think that having a car is necessary. So you are of the opinion the poor should not be able to drive with it being restricted for the elite? Social mobility should be accessible to anyone. Unless you've a particular reason for needing a car in London such as a disability or a particular job, your social mobility is hardly affected at all. Your argument works out more rural settings and small towns but not in cities like London. My social mobility is perfectly fine and I don't own a car. |
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Post by SILENCED on Nov 15, 2023 15:32:52 GMT
So you are of the opinion the poor should not be able to drive with it being restricted for the elite? Social mobility should be accessible to anyone. Unless you've a particular reason for needing a car in London such as a disability or a particular job, your social mobility is hardly affected at all. Your argument works out more rural settings and small towns but not in cities like London. My social mobility is perfectly fine and I don't own a car. You live in Inner London, there might be a big difference to Outer London. Out of curiosity if want shopping for something big, how do you get it home? |
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Post by vjaska on Nov 15, 2023 15:41:31 GMT
Unless you've a particular reason for needing a car in London such as a disability or a particular job, your social mobility is hardly affected at all. Your argument works out more rural settings and small towns but not in cities like London. My social mobility is perfectly fine and I don't own a car. You live in Inner London, there might be a big difference to Outer London. Out of curiosity if want shopping for something big, how do you get it home? I could still get around Outer London without a car and I know people who do so perfectly fine. For big shops, we don't really do them and we pretty much shop as we go but on the very rare occasions we do them, we normally bring a trolley (one of those old grandma trolleys, not sure of the actual name) with us and walk to the supermarket or even more rarely, my brother has a car for his job and we might use that but we are literally talking 3 times max in a year for that privilege and usually only really at Christmas if we decide to shop further away but even before he started driving, we managed it without issue. |
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Post by WH241 on Nov 15, 2023 15:47:04 GMT
So you are of the opinion the poor should not be able to drive with it being restricted for the elite? Social mobility should be accessible to anyone. Unless you've a particular reason for needing a car in London such as a disability or a particular job, your social mobility is hardly affected at all. Your argument works out more rural settings and small towns but not in cities like London. My social mobility is perfectly fine and I don't own a car. But as I said in a reply else your personal choice doesn’t mean others should follow your example. Do you really public transport would cope if even half the cars were taken off the road? You will never get a mass switch from cars even with ULEZ expanding I haven’t seen a big drop in traffic. Our fares in London are good but they soon start racking up once you do a few train trips even with daily caps. Sometimes car trips are more cost effective once if you have paid other car costs like car tax and insurance. |
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Post by SILENCED on Nov 15, 2023 15:51:52 GMT
You live in Inner London, there might be a big difference to Outer London. Out of curiosity if want shopping for something big, how do you get it home? I could still get around Outer London without a car and I know people who do so perfectly fine. For big shops, we don't really do them and we pretty much shop as we go but on the very rare occasions we do them, we normally bring a trolley (one of those old grandma trolleys, not sure of the actual name) with us and walk to the supermarket or even more rarely, my brother has a car for his job and we might use that but we are literally talking 3 times max in a year for that privilege and usually only really at Christmas if we decide to shop further away but even before he started driving, we managed it without issue. Wasnt thinking supermarket shopping, more DIY style shopping, or maybe electricals? Stuff that is heavy. Say you want to decorate a room in your home? Surely you would need to go 7-10 times using public transport. |
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Post by northlondon83 on Nov 15, 2023 16:58:50 GMT
I don't know how realistic this suggestion is but perhaps owning a car isn't wise if you can no longer afford it. I've lived my whole life not owning a car and know that I have saved myself a huge amount of money. It does help that I bike most places but even public transport isn't too expensive. I understand some people need a car for work or for stuff like shopping but I don't think that having a car is necessary. So you are of the opinion the poor should not be able to drive with it being restricted for the elite? Social mobility should be accessible to anyone. unfortunately if you aren't rich enough to own a car, you'd have to consider other methods of transport. It's not good to live beyond your means. Besides in London there are other methods of transport available |
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Post by vjaska on Nov 15, 2023 17:01:46 GMT
I could still get around Outer London without a car and I know people who do so perfectly fine. For big shops, we don't really do them and we pretty much shop as we go but on the very rare occasions we do them, we normally bring a trolley (one of those old grandma trolleys, not sure of the actual name) with us and walk to the supermarket or even more rarely, my brother has a car for his job and we might use that but we are literally talking 3 times max in a year for that privilege and usually only really at Christmas if we decide to shop further away but even before he started driving, we managed it without issue. Wasnt thinking supermarket shopping, more DIY style shopping, or maybe electricals? Stuff that is heavy. Say you want to decorate a room in your home? Surely you would need to go 7-10 times using public transport. Electricals I've had delivered by the shop such as the 55 inch TV in my room a few years ago - hadn't needed any DIY stuff in recent times but we've got some bits and pieces in the cupboard in our house. If we were really desperate, my brother could pick up stuff but again, it comes under the rare occasion I mentioned earlier |
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Post by northlondon83 on Nov 15, 2023 17:06:16 GMT
Unless you've a particular reason for needing a car in London such as a disability or a particular job, your social mobility is hardly affected at all. Your argument works out more rural settings and small towns but not in cities like London. My social mobility is perfectly fine and I don't own a car. You live in Inner London, there might be a big difference to Outer London. Out of curiosity if want shopping for something big, how do you get it home? I live in outer London and I can tell you that a car isn't necessary, at least in my case. I live near a train station with two tube lines plus the Elizabeth line is nearby. As someone else mentioned, a car can feel like a luxury and it is not something I want to own in my life when I know I won't use it. The only reason I'd need a car is if my work was outside London, which it isn't and even so I'd never commute outside London to avoid having to use a car. I can see car usage being more important in a place like Biggin Hill where public transport is limited, but then again if you don't want to drive then don't live in a place like Biggin Hill |
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Post by WH241 on Nov 15, 2023 17:43:43 GMT
So you are of the opinion the poor should not be able to drive with it being restricted for the elite? Social mobility should be accessible to anyone. unfortunately if you aren't rich enough to own a car, you'd have to consider other methods of transport. It's not good to live beyond your means. Besides in London there are other methods of transport available I'm still struggling to see how this became about being rich enough to own a car. MKAY315 made a post about the rip off cost of insurance which is a different matter, It feels almost like you are implying if you can afford a car you should pay the high premiums regardless.
You and one other person have given examples to why a car is not needed which is fine but that's your choice and shouldn't be forced onto others. It's a bit like you saying you shop in Lidl therefore I should but I might prefer ASDA! it's all about personal choice.
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