Topic-icon I’m Pissed Off

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12 years 1 week ago #106963 by zulugirl
I’m Pissed Off

Why does one have to be penalised when you drive a BMW? Insurance on my other car is not as high as it is on my I series. Imagine having to pay almost a grand on Insurance, why wasn’t my age taken into consideration? They have a cheek to tell me it’s a high powered car, shyte as though I’m gonna be driving over 160. I’m too old to be dicing with my life. For all I care BMW can have their car back. I ain’t prepared to eat tin fish and pap after Lent. Eish I think I had a lot to say today. Rather I shut up.
:S :S :S :S :S :S :S

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12 years 1 week ago #106969 by BABY9
zulugirl wrote:

I’m Pissed Off

Why does one have to be penalised when you drive a BMW? Insurance on my other car is not as high as it is on my I series. Imagine having to pay almost a grand on Insurance, why wasn’t my age taken into consideration? They have a cheek to tell me it’s a high powered car, shyte as though I’m gonna be driving over 160. I’m too old to be dicing with my life. For all I care BMW can have their car back. I ain’t prepared to eat tin fish and pap after Lent. Eish I think I had a lot to say today. Rather I shut up.
:S :S :S :S :S :S :S

You darem nog under a grand :( ek is al oor daai grand mark :cry:

as ek honger is dan kyk ek net my kar en imagine is 'n steak dan lek ek die bonnet dan is ek vol :laugh: :lol:

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12 years 1 week ago #106974 by sady
I think


:laugh: :laugh: :laugh: :laugh: :laugh: :woohoo: :silly: :blink: :ohmy: :silly: :woohoo: :laugh: :laugh: :laugh: :ohmy: :silly: :woohoo: :woohoo: :laugh: :laugh: :laugh: :laugh: :laugh: :laugh: :laugh: :laugh: :laugh:

sorry I just had to share LSFLTIINPTS:laugh:

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12 years 1 week ago #106978 by zulugirl
sady wrote:

I think


:laugh: :laugh: :laugh: :laugh: :laugh: :woohoo: :silly: :blink: :ohmy: :silly: :woohoo: :laugh: :laugh: :laugh: :ohmy: :silly: :woohoo: :woohoo: :laugh: :laugh: :laugh: :laugh: :laugh: :laugh: :laugh: :laugh: :laugh:

sorry I just had to share LSFLTIINPTS:laugh:


Pls share da LSFLTIINPTS with me I have a tiny brain.

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12 years 1 week ago #106982 by Torusso
I cant say that i understand your frustration completely but i do have an idea. The thing with these insurance companies is that to them they look at the high profile cars. I think that in your and Baby9's case it's similair to being a young male and driving a golf. They are very conniving. I mean if i had to pay insurance on my car they would charge me R1000 although i dont even drive a BMW or a golf. They look for any reason to add risk to your profile.

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12 years 1 week ago #106984 by BABY9
Torusso wrote:

I cant say that i understand your frustration completely but i do have an idea. The thing with these insurance companies is that to them they look at the high profile cars. I think that in your and Baby9's case it's similair to being a young male and driving a golf. They are very conniving. I mean if i had to pay insurance on my car they would charge me R1000 although i dont even drive a BMW or a golf. They look for any reason to add risk to your profile.


Haag they are just crazy I mean really now :(
ek moet pap en imagine eet :(

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12 years 1 week ago #106985 by Girl4Pmb
Damn, why does everything in south africa seem so costly?

I pay less than $100.00 for my car insurance. I don't drive a BMW though. I do however drive a lexus, live in a very safe neighbourhood and i haven't had any motor vehicle accidents. My auto insurance company offers major discounts if you haven't been in an accident for the last 3 years. They even offer some sort of discount on your payments if your car has airbags lol

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12 years 1 week ago #106989 by Torusso
BABY9 wrote:

Torusso wrote:

I cant say that i understand your frustration completely but i do have an idea. The thing with these insurance companies is that to them they look at the high profile cars. I think that in your and Baby9's case it's similair to being a young male and driving a golf. They are very conniving. I mean if i had to pay insurance on my car they would charge me R1000 although i dont even drive a BMW or a golf. They look for any reason to add risk to your profile.


Haag they are just crazy I mean really now :(
ek moet pap en imagine eet :(


One time hulle is befok in hulle kop... Check net nou wil jy miskien 'n less fancy kar koop dan charge hulle jou vir safety features. Dankie tog ek hoef nie insurance te betaal nie. Ek like uitgaan..

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12 years 1 week ago #106991 by CheeZy
Torusso wrote:

I cant say that i understand your frustration completely but i do have an idea. The thing with these insurance companies is that to them they look at the high profile cars. I think that in your and Baby9's case it's similair to being a young male and driving a golf. They are very conniving. I mean if i had to pay insurance on my car they would charge me R1000 although i dont even drive a BMW or a golf. They look for any reason to add risk to your profile.


Eish this hits home hard in a sad way bra, Ek vokken betaal 'n ander kar se instalment on my insurance:dry:

Dit raak nou so erg dat ek glad my \"groovery\" ook in my budget moet sit:laugh:

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12 years 1 week ago #106997 by zulugirl
Girl4Pmb wrote:

Damn, why does everything in south africa seem so costly?

I pay less than $100.00 for my car insurance. I don't drive a BMW though. I do however drive a lexus, live in a very safe neighbourhood and i haven't had any motor vehicle accidents. My auto insurance company offers major discounts if you haven't been in an accident for the last 3 years. They even offer some sort of discount on your payments if your car has airbags lol


Jeez Girl4 imagine if we had to drive lexus here we would pay almost R4000 on Ins, that car like almost 1 mil here. That one only for the rich.

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12 years 1 week ago #106998 by Torusso
CheeZy wrote:

Torusso wrote:

I cant say that i understand your frustration completely but i do have an idea. The thing with these insurance companies is that to them they look at the high profile cars. I think that in your and Baby9's case it's similair to being a young male and driving a golf. They are very conniving. I mean if i had to pay insurance on my car they would charge me R1000 although i dont even drive a BMW or a golf. They look for any reason to add risk to your profile.


Eish this hits home hard in a sad way bra, Ek vokken betaal 'n ander kar se instalment on my insurance:dry:

Dit raak nou so erg dat ek glad my \"groovery\" ook in my budget moet sit:laugh:



Groovery is an very important aspect of my life... Ek het jou gese Cheezy...los daai insurance dan koop jy 'n klein cheap karretjie...

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12 years 1 week ago #107004 by CheeZy
Torusso wrote:

CheeZy wrote:

Torusso wrote:

I cant say that i understand your frustration completely but i do have an idea. The thing with these insurance companies is that to them they look at the high profile cars. I think that in your and Baby9's case it's similair to being a young male and driving a golf. They are very conniving. I mean if i had to pay insurance on my car they would charge me R1000 although i dont even drive a BMW or a golf. They look for any reason to add risk to your profile.


Eish this hits home hard in a sad way bra, Ek vokken betaal 'n ander kar se instalment on my insurance:dry:

Dit raak nou so erg dat ek glad my \"groovery\" ook in my budget moet sit:laugh:



Groovery is an very important aspect of my life... Ek het jou gese Cheezy...los daai insurance dan koop jy 'n klein cheap karretjie...


Haai bra, my kar is dan klein en chiep, jy hoor dan die mense se' ek ry 'n starter pack:laugh:
Maar dink jy ek worry, daai is my baby daai:blush:
Fokkol aircon, ABS, power steering, airbags or cruise control... Maar sy vat my wa ek wil wees...

So julle moet ma lekka ry met julle aircons aan, ek ry met al my vensters oop en speel my muzzieB)

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12 years 1 week ago #107005 by TREBZZ
CheeZy wrote:

Torusso wrote:

I cant say that i understand your frustration completely but i do have an idea. The thing with these insurance companies is that to them they look at the high profile cars. I think that in your and Baby9's case it's similair to being a young male and driving a golf. They are very conniving. I mean if i had to pay insurance on my car they would charge me R1000 although i dont even drive a BMW or a golf. They look for any reason to add risk to your profile.


Eish this hits home hard in a sad way bra, Ek vokken betaal 'n ander kar se instalment on my insurance:dry:

Dit raak nou so erg dat ek glad my \"groovery\" ook in my budget moet sit:laugh:

THAT NOT WHAT PISSES ME OFF.
WHAT PISSE ME OFF IS WHEN YOU NEED THEM THE MOST,OR YOU WANT TO CLAIM THEY HAVE 10 MIL STORIES.
LUCKELY FOR ME IM NOT PAYING MY CAR OFF ANYMORE.

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12 years 1 week ago #107009 by Torusso
[/quote] CheeZy wrote:


Haai bra, my kar is dan klein en chiep, jy hoor dan die mense se' ek ry 'n starter pack:laugh:
Maar dink jy ek worry, daai is my baby daai:blush:
Fokkol aircon, ABS, power steering, airbags or cruise control... Maar sy vat my wa ek wil wees...

So julle moet ma lekka ry met julle aircons aan, ek ry met al my vensters oop en speel my muzzieB)
[/quote]


By cheap and small i mean like a beetle or 1978 datsun sss...so iets man. Plus your car is top notch son.

Trebbz koop net daai Prado wat jy so lank al soek...:dry:

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12 years 1 week ago #107017 by CheeZy
In all honesty, S.A has a high cost of living.. Wether it be car insurance, life insurance a bond etc.
What you as a person need to is up your game so that you can afford what you want & need and stll be comfortable.

@ Torusso, listen to you bra, you saw my XR6 I had, eish a pity I had to let it go, ek sou goete met hom aan gevang dit wuh.

Trebzz bra, you lucky, but you we gonna make these Golfies our toys:evil:

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12 years 1 week ago - 12 years 1 week ago #107023 by TREBZZ
CheeZy wrote:

In all honesty, S.A has a high cost of living.. Wether it be car insurance, life insurance a bond etc.
What you as a person need to is up your game so that you can afford what you want & need and stll be comfortable.

@ Torusso, listen to you bra, you saw my XR6 I had, eish a pity I had to let it go, ek sou goete met hom aan gevang dit wuh.

Trebzz bra, you lucky, but you we gonna make these Golfies our toys:evil:

NAH BRA LIKE I TOLD YOU IM NOT GONA SELL MY BABY.
JA THEY DID PUT A FEW HOLES IN HER BT SHE IS STILL ALIVE AND BREATHING.
JUST WAITING FOR HER NEW SHOES THEN SHE CAN WALK THE STREETS AGAIN .
Last Edit: 12 years 1 week ago by TREBZZ.

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12 years 1 week ago #107025 by monic
I used to pay between R700-R1300 a moth for insurance on my car (pay as u drive whateva!) and behold if I drive around on weekends one month I actually paid R1808.49!! just becoz I went to jhb twice! Now Im paying R785.00 per month on comprehensive insurance! It includes my house contents, computer, a few F1 model racing cars, juwelry, cloths, etc. My advice, combine all your belongings and pay less.

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12 years 1 week ago #107128 by BABY9
I Tried the combining thingy maar nee hulle rip my net so \"off\"....
I dont even stay in a kak area evens and ons het 'n hek so why the high Premium ???

But Insurance companies are maar just like the Bloody medical aids :( anotha sad story daai .....

You pay the entire year and your funds are up by June just going to doc maybe four times?? and I am not evens kranklik or anything .....
It seems People that have babies yearly get more out of their medical aid Cos all those bills get paid ....

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12 years 1 week ago - 12 years 1 week ago #107790 by Gnarls
Check the depreciation on y'alls cars. Every year the value of your car drops and if your car is insured for a lower amount then they have to drop the premium.

Every little bit helps.

Cheezy, starter pack equals Toyota Tazz right?

Baby9, are you obliged to take a certain medical aid or do you have some choice?

Cheers
Last Edit: 12 years 1 week ago by Gnarls. Reason: the Gnarls has edited.

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12 years 1 week ago #108438 by Aiden
This article I actually came across in my August 2007 Financial Mail issue.....

free.financialmail.co.za/report07/samotor07/wmotor.htm

Taking a big knock
By David Furlonger

New models and new technology are pushing up insurance premiums



Spiralling accident rates, rather than crime, are responsible for motor insurance premium increases that, in many cases, will exceed 10% this year. But insurers say it's not just the number of accidents that is putting premiums under pressure, it's also the cost of repairs.


Gone are the days when a panelbeater could fix a dented bumper with a few professionally placed hammer blows. Today he's likely to replace the entire unit. New plastics and materials like aluminium are particularly expensive. Then there are modern technologies and safety features. A set of airbags inflated in even a minor accident can cost well over R30 000 to replace.


These factors, along with rising labour rates and high spare-parts prices, \"all have an impact on the bottom line\", says Outsurance spokesman Trevor Devitt. Leon Vermaak, CEO of Telesure, which operates short-term insurers such as Auto & General and Budget, says record sales of new vehicles have inevitably increased average repair costs. The flood of imported models has also contributed: spares are sometimes both expensive and in short supply. He is only half-joking when he says: \"We need accidents on newer vehicles so we can strip them for spare parts.\"


Mutual & Federal (M&F) CEO Bruce Campbell says about 75% of motor claims are the result of accidents and 25% theft or hijacking. SA has one of the world's highest accident rates. SA Insurance Association (SAIA) CE Refilwe Moletsane says causes are plentiful: roads are overcrowded, there is a growing number of inexperienced drivers in overpowered cars; and lax policing allows motorists to pay little attention to traffic laws. South Africans are generally aggressive drivers. According to M&F: \"Of about 8m vehicles on the roads, nearly 1m have been added in the past 24 months. Drivers are not adjusting positively to the driving conditions.\"


Take all these factors into account, says Vermaaak, and it's little wonder that insurer costs - and therefore premiums - have risen significantly this year. Devitt adds: \"Though it's part of the cyclical nature of the industry, premiums are taking huge knocks.\" Insurers approached for this article say year-on-year premiums so far in 2007 have risen between 8,6% and 13%.


It is possible to reduce premiums, by shopping around. Age, gender, area, lifestyle, career, experience and security protection are all taken into account by most insurers - though Lion of Africa Insurance sales head Haydn Marchant recently partly debunked the idea that women are safer drivers than men. \"The fact is that there are fewer women involved in collisions partly because they are on the road less than men.\"


Despite complaints by insurers of narrow profit margins, they compete fiercely for business. Devitt says: \"Consumers shop around, they compare prices, they check all the advice that is available.\" The problem, as always, is small print. Definitions of \"excesses\" (the customer's contribution to repair costs) and premium rebates aren't all the same. For example, does the 10% rebate for installing an anti-theft system refer to the whole motor premium or just the security portion?


Attorney Patrick Bracher, of Deneys Reitz, was quoted recently as suggesting that one way to reduce premium costs is to increase excesses, particularly for those who buy expensive vehicles or drive imported vehicles, for which replacement costs can be more expensive.


While the industry should continue to look for ways to limit risk and reduce premiums, Moletsane says it should not forget root causes. In addition to encouraging authorities to be tougher on traffic law enforcement, she says the SAIA is supporting a number of initiatives to reduce the accident rate.


One is that defensive driving should be incorporated into basic teaching and the driving test. \"You come out of school, take the test and get a car. You are completely unprepared for what happens on the roads,\" says Moletsane. \"We are also looking at a road safety project that will reduce the number of incidents on the road by focusing attention on high-accident areas.\"

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