See, with insurance itís like putting a bet on at the bookies.
For them itís all based on risk assessment.
As you know thereís numerous different insurance polices. Life, home, travel, car, etc.
Insurance companies will have claims made against them, so for every £1 they take they could payback 98 pence in the pound.
If theyíre unlucky, way over 100% loss of profit.
So some are very reluctant to payout right away, or they like to declare your car a total loss over a little shunt to get rid of you.
Itís all based on experience which are the ones to avoid. Even the big names donít like to payout.
Probably why some insurance companies avoid price comparison sites, and pay for advertisements instead to gather in the safer drivers, not just the ones looking to pay the least for their car insurance..
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And carrying on with the gambling analogy I guess it's easy for the insurance companies to make a worthwhile bet if they know a car's "form", e.g. Micras are almost always going to be driven by pensioners or teens, mid-range Fords, Audis and BMWs by sales reps, etc. But a dark horse like an Alfa or a super-rare Pug is going to be difficult to take a flutter on because it has no form at all; will it be driven by drunken hoons who like playing chicken with trains, or will it be driven by someone who only takes it out on sunny weekends and spends the rest of the time polishing it?