I have offered this before as I have run other forums at my own cost. That said, this doesn't bother me too much and it's too late either way. If Tyre Forums were to sell it would likely be for a largely inflated price.This Forum would be run by private money and be far better for it, as it was before it was sold to Tyre Forums and the commercialisation began. I know any number of us could singularly and easily fund the hosting, maintenance and administration costs to run the site.
My understanding too, so yes, they pay for the privilege of being here.
No single insurance broker or company will be able to offer the lowest rates to absolutely everyone. We all are different in how an underwriter perceives the risk of insuring us. Age, driving record, postcode, car type, car value, accident and claims record, sex (oh, not sex any more, that's illegal), criminal record, inside leg measurement (you are still allowed to discriminate against short people, lol) - all these and no doubt more are factors taken into consideration.
Now - if you personally fall outside of the strategic underwriting risk profile being pursued by or constraining any specific broker, they will simply quote you a high premium figure to reflect that. Because:
If they simply refused to quote at all in order "not to offend you", you would have to disclose that to any other potential insurer, and that is a big black mark against you - i.e. being refused insurance by others. Remember the way insurance works, YOU have to disclose every single pertinent fact. This is called "Uberrima fides", or "utmost good faith".
So, by giving you a high figure they are politely requesting that you look elsewhere without damaging your prospects of actually getting insurance elsewhere.
That is how the industry works, and I simply cannot understand why anyone, in such a situation, decides it must be the broker at fault, It isn't. It is just how this business operates.
Any CII members or underwriters on here?
I havent been here long and find it a very helpful and informative site.Lest we not forget why this Forum was set up, because of the censorship, over moderation and bias towards sponsors on a certain other XF Forum.
Our Forum slogan 'Freedom to talk...' wasn't arrived at by accident and is the core principle of this fantastic site!