Paul Johnson Posted August 13, 2015 Report Share Posted August 13, 2015 every insurance will tell you each quote is different for diferent individuals, just because one person can get it for £192 dosent mean the exact same person will get it at that my insurance is about £400 a year, im 52, drive a 3 series diesel bmw and thats just about the cheapest qoute i can get, even with rias or saga,yes it can be a bit cheaper but thats if i just have insurance and nothing else like no credit costs, claims discount protection,and i have 10 yrs no claims. in my opinion and experience i wouldnt touch " 1 years free insurance" as i lost all my no claims going with it. i too bought a brand new car with the free insurance in about 2004 . think it was fords own insurance and when i renewed the certificate said i had 1 years no claims so my premium was sky high,i shopped around but was told because i had gome that route i did have only 1 years no claims, in theory i should have 23,ish years but i only have 10 as i built it back up. Quote Link to comment Share on other sites More sharing options...
The White Knight Posted August 13, 2015 Report Share Posted August 13, 2015 Halifax tiger? Great shout that. Halifaxtiger would get my Vote as the most dedicated Speedway Supporter. He goes everywhere to follow his hobby. :approve: Quote Link to comment Share on other sites More sharing options...
sommelier Posted August 13, 2015 Report Share Posted August 13, 2015 7 years ago i lived in Tain (30 miles north of Inverness) for 2 years. Stiil got to go to Somerset and Poole home and away matches! 3 Quote Link to comment Share on other sites More sharing options...
SCB Posted August 13, 2015 Report Share Posted August 13, 2015 By fixed costs I am not referring to fixed as to price but they are fixed in the sense they have to be paid and don't vary, with use,whether you use the thing a lot or a little. unlike petrol and wear and tear which vary according to the amount you drive If you are sitting down working out your household budget then everything you spend will of course be averaged out, but the reality is that if you are going to a Speedwáy meeting tax incpsurance etc has already been pain so it doesn't cost you an extra 45 p per mile, it cost an extra 20 per mile or thereabouts according to the cars efficiency. I'll take your word for it that average insurance is £432 but I can only assume that is the full cost before no claims discount. I never paid anything like that even a couple of years ago doing 13000 a year on a 1600cc car. If anyone is paying anything like £400 a year I would strongly advise them to shop aound. If you have a clean licence and a few years accident free you can get much better deals for an average saloon . I have just bought a new car and got a years free comprehensive insurance with it. Thats how desperate insurance companies are to get you on their books in the hope of retaining your business next time round. Like most other things if you don't shop around you are liable to get ripped off. But it's still a cost to attend speedway. As you need the car to attend speedway. Also, £400 is very cheap for some people. I'm 30 years old and drive a Impreza and I paid £450 this year and thats only that cheap as I live in a low car crime area. Ok last year I paid nearer £350 for a 3 series. My 25 year old sister was paying about £800. Neither of us have any points. Find someone under the age of 21 who is paying less than £800 and I'd be amazed, most of paying. For every 65 year old driving a 1.4 litre Corsa and paying £120 theres an 18 year old driving a Corsa and paying £1,500! The average person will also have points on their license these days I bet! This article suggests the average is actually £648.61 not £432 which is a figure I got in an email from confused.com this morning weirdly! Quote Link to comment Share on other sites More sharing options...
The White Knight Posted August 13, 2015 Report Share Posted August 13, 2015 7 years ago i lived in Tain (30 miles north of Inverness) for 2 years. Stiil got to go to Somerset and Poole home and away matches! I know Tain well. I stayed at the Morangie House Hotel a number of times. The Venison was superb. Super place. :approve: Quote Link to comment Share on other sites More sharing options...
Jacques Posted August 13, 2015 Report Share Posted August 13, 2015 People are dedicated in different ways and no one way is better than the other. Suggesting someone is a more dedicated by how much they spend or how far the drive is pretty pathetic to be honest.. 2 Quote Link to comment Share on other sites More sharing options...
The White Knight Posted August 13, 2015 Report Share Posted August 13, 2015 People are dedicated in different ways and no one way is better than the other. Suggesting someone is a more dedicated by how much they spend or how far the drive is pretty pathetic to be honest.. Fair comment. The number of Meetings they attend though is a different matter......................................................... There may be somebody who goes to more Meetings than Halifaxtiger - but I don't know of them. Quote Link to comment Share on other sites More sharing options...
Jacques Posted August 13, 2015 Report Share Posted August 13, 2015 (edited) Fair comment. The number of Meetings they attend though is a different matter......................................................... There may be somebody who goes to more Meetings than Halifaxtiger - but I don't know of them. There are plenty, I know of one at least, who doesn't post here anymore... Edited August 13, 2015 by Jacques Quote Link to comment Share on other sites More sharing options...
moxey63 Posted August 13, 2015 Report Share Posted August 13, 2015 There is no set way of measuring dedication. For example, I know a lad who has bought every Man United shirt since 1993... and yet he doesn't know where Old Trafford is. Quote Link to comment Share on other sites More sharing options...
Jacques Posted August 13, 2015 Report Share Posted August 13, 2015 There is no set way of measuring dedication. For example, I know a lad who has bought every Man United shirt since 1993... and yet he doesn't know where Old Trafford is. Exactly and none of have the right to judge it either! Quote Link to comment Share on other sites More sharing options...
The White Knight Posted August 13, 2015 Report Share Posted August 13, 2015 Exactly and none of have the right to judge it either! Who is judging? The Thread Title is dedicated Fans. :unsure: 1 Quote Link to comment Share on other sites More sharing options...
Dave Jones Posted August 13, 2015 Report Share Posted August 13, 2015 Well I reckon that the OP only put this topic up so that he could increase his database of car owning fans who would be prepared to offer lifts around the Kent area, so that he could try them out when he was stuck for a lift. 2 Quote Link to comment Share on other sites More sharing options...
Jacques Posted August 13, 2015 Report Share Posted August 13, 2015 Well I reckon that the OP only put this topic up so that he could increase his database of car owning fans who would be prepared to offer lifts around the Kent area, so that he could try them out when he was stuck for a lift. That too! Quote Link to comment Share on other sites More sharing options...
E I Addio Posted August 13, 2015 Report Share Posted August 13, 2015 (edited) , Edited August 13, 2015 by E I Addio Quote Link to comment Share on other sites More sharing options...
E I Addio Posted August 13, 2015 Report Share Posted August 13, 2015 But it's still a cost to attend speedway. As you need the car to attend speedway. Also, £400 is very cheap for some people. I'm 30 years old and drive a Impreza and I paid £450 this year and thats only that cheap as I live in a low car crime area. Ok last year I paid nearer £350 for a 3 series. My 25 year old sister was paying about £800. Neither of us have any points. Find someone under the age of 21 who is paying less than £800 and I'd be amazed, most of paying. For every 65 year old driving a 1.4 litre Corsa and paying £120 theres an 18 year old driving a Corsa and paying £1,500! The average person will also have points on their license these days I bet! This article suggests the average is actually £648.61 not £432 which is a figure I got in an email from confused.com this morning weirdly! I don't doubt what you say but I am shocked. Having worked in insurance in the past maybe I know my way around the system more than some but I have always been surprised at people who don't question insurance quotes. Anyone under 21 is going to pay a lot more but in my experience the prices level out after that except that under 24's carry a bigger policy excess but the actual premiums seem to stay the same whether you are 21 or 61. The thing is the premiums different companies charge vary enormously. When I get my renewal notice in I always phone up and ask nicely if they can do anything on price. They will often knock a bit off even if it's only £20 to keep your business. The trouble is people are gullible. I know someone who thinks because he is retired and insures through Saga he will get a good deal but in fact he was paying £300 for some silly little Fiat, over £100 more than I was paying for a 1600cc Astra at the time but he just paid without question. The only thing I would say is that if you put several insurances with one company you get a better deal. I have both cars and the house insurance with the same company and saved about £120 on what it would cost to insure separately. Quote Link to comment Share on other sites More sharing options...
RobMcCaffery Posted August 14, 2015 Report Share Posted August 14, 2015 (edited) Factoring in fixed set-up costs in costing travel expenses works fine when dealing with the Revenue or your finance department when making an expense claim but in the real world such costs are irrelevant. My tax and insurance are charged whether I travel one inch a year or 25,000 miles. That to me is sunk cost. Yes the car suffers wear and tear and depreciation over a journey but driving a knackered 53-reg Peugeot it's minimal, so my realistic marginal cost is just my fuel and a bit of oil which I could calculate but my cost per hour for such things. while it won't make me rich would cost ;-) We all have our professional standards..... To me, a trip to speedway costs me about 15p per mile in practical terms. Of course in accountancy you can load costs in to inflate this but after 35 years working ion Finance, what would I know? If I load things like opportunity cost in I could easily beat SCB's rather artificial figure. As for high insurance quotes, it does rather rely on the driver's history doesn't it? Perhaps SCB has something to tell us, apart from telling us what a wonderful car he has? Now, while we're on cost accounting, anyone like to work out the cost of posting all this? If so, please do it in private ;-) (Of course if I were ferrying old Williamson around it's £1.50 per mile, if only to cover the cost of cleaning out the ashtrays afterwards.....) Regarding dedicated fans I must point out that back in the late 70s when the family moved from Essex up to Cradley country I used to sneak back to Rye House on Sundays in defiance of the family's 'new start'. If there was a match at, say Canterbury on the Saturday I used to sleep in the Rye House car park on the Saturday night. This is not why it's full of potholes by the way. Apart from being disturbed by the police usually about 4 am it tended to go well although the loos were terrifying enough in daylight. In the morning I used to get woken by a very confused Hugh Saunders who was in charge of track preparation back then, rising hourly through the night to water the track. I'd get invited into the shed at the back of the pits for a breakfast. Not the most extreme piece of fan dedication but just an example of how stupid you can be when you're young ;-) Edited August 14, 2015 by rmc 1 Quote Link to comment Share on other sites More sharing options...
Humphrey Appleby Posted August 14, 2015 Report Share Posted August 14, 2015 I don't doubt what you say but I am shocked. Having worked in insurance in the past maybe I know my way around the system more than some but I have always been surprised at people who don't question insurance quotes. Anyone under 21 is going to pay a lot more but in my experience the prices level out after that except that under 24's carry a bigger policy excess but the actual premiums seem to stay the same whether you are 21 or 61. The thing is the premiums different companies charge vary enormously. When I get my renewal notice in I always phone up and ask nicely if they can do anything on price. They will often knock a bit off even if it's only £20 to keep your business. Insurance, and particularly motor vehicle insurance, is practically criminal in how much companies try to con out of you. For a while I changed my insurance company every year because after an initial competitive price for the first year, they'd bang on an extra amount for renewal hoping you wouldn't notice. When you called to cancel, they'd then immediately drop the price and get miffed when you told them you'd be cancelling anyway for trying to rip you off, which I always did as a matter of principle. I did this several times until the insurance companies got the message, but it seems a strange business model to alienate your customers after getting their custom in the first place. The stupid thing is if they were less greedy and only added a modest increase then I might not be bothered to look elsewhere, but when they're adding 150 quid or more, then it's like a red flag. I think I'm paying somewhere just over 300 quid for fully comprehensive insurance on a 1600cc car, and that's with one claim where some old bloke walked out in front of Mrs Appleby. Quite aside from damaging our car (and then the police impounding it for 2 weeks because the vehicle inspector was on holiday, even though we were the innocent party), he then had the cheek to try to sue the insurance company for damages, despite the fact he was lucky she was only doing 30 mph in a 50 mph zone. Of course, the claim was rightly rejected, but this sort of nonsense is why insurance premiums are so high. I think my van insurance is only 250 quid, but then it's more than 20 years old. Quote Link to comment Share on other sites More sharing options...
sommelier Posted August 14, 2015 Report Share Posted August 14, 2015 People are dedicated in different ways and no one way is better than the other. Suggesting someone is a more dedicated by how much they spend or how far the drive is pretty pathetic to be honest.. Quote Link to comment Share on other sites More sharing options...
BWitcher Posted August 14, 2015 Report Share Posted August 14, 2015 People are dedicated in different ways and no one way is better than the other. Suggesting someone is a more dedicated by how much they spend or how far the drive is pretty pathetic to be honest.. Which is pretty much what I said at the start of the thread. It's all relative to an individuals situation. When I lived in England, I went to all Wolves meetings home and away.. Now obviously I can't.. does it make me a less dedicated fan? I don't feel any less dedicated. I follow Toronto Blue Jays Baseball, I watch every single game in full, 95% of them live in the early hours of the morning.. 162 games a year.. some would say not dedicated due to not attending games! Some fans can afford and their work situation allows them to travel to meetings all over the country, some simply can't. That's not a knock on Halifax Tiger at all! Quote Link to comment Share on other sites More sharing options...
The White Knight Posted August 14, 2015 Report Share Posted August 14, 2015 Which is pretty much what I said at the start of the thread. It's all relative to an individuals situation. When I lived in England, I went to all Wolves meetings home and away.. Now obviously I can't.. does it make me a less dedicated fan? I don't feel any less dedicated. I follow Toronto Blue Jays Baseball, I watch every single game in full, 95% of them live in the early hours of the morning.. 162 games a year.. some would say not dedicated due to not attending games! Some fans can afford and their work situation allows them to travel to meetings all over the country, some simply can't. That's not a knock on Halifax Tiger at all! I should hope not. 1 Quote Link to comment Share on other sites More sharing options...
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