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Hidden costs of car insurance lead to innocent drivers being punished alongside guilty parties

Published 13/06/2016

Belfast Telegraph letters to the Editor
Belfast Telegraph letters to the Editor

Alleged (huge) increases in car insurance are the subject of debate in southern Ireland at the moment, but I would like to draw attention to aspects of car insurance in Northern Ireland that drivers may not be aware of.

If, for example, one has two (or, indeed, more) cars insured with the same company and policyholders ('main' drivers) and named drivers are on each policy for each car, should even one of these drivers have an accident for which they are at fault, all cars and all drivers - innocent and guilty alike - suffer an increase in insurance, on average, in one case, about £90 per car, for a minor accident.

Moreover, should one party wish to switch to a different insurer, information is cross-referenced and insurance still increased (cleft sticks come to mind). As my insurers explained: "The insurance follows the person ... not the car". In addition, insurance nomenclature is very complicated.

Even opting to have only one driver per car incurs a further increase - some £53 per year (no claims bonus driving notwithstanding).

Legally, this may not be wrong, but is it morally right? I do not dispute that insurance companies need to make a reasonable profit and we appreciate their courteous members of staff. But where else, in law, is the innocent punished along with the guilty?

Where is the discretion for truthful disclosure and years of loyal payment on several cars?

IAC

Greyabbey, Co Down

Bike race went against spirit of Christianity

The Caleb Foundation - a lobby group, which seeks to represent the views of evangelical Christians across the province - wishes to express concern about the recent Gran Fondo cycling event, run on Sunday, June 5.

We take no issue with the race itself, which is a colourful spectacle and of considerable benefit to the Northern Ireland economy.

However, the fact that it took place on a Sunday caused real issues with thousands of Christians, for whom Sunday is a day for honouring God in public worship and refraining from activities like sport and other forms of entertainment.

It is always to our blessing if we honour God and His law.

REV PHILIP CAMPBELL,

Secretary, Caleb Foundation

It's double the fun for football supporters

Well done, Lindy (Life, June 8). At last someone who recognises the lucky position we are in here regarding the Euros.

Normally, whether you support Northern Ireland, or the Republic of Ireland, has been divisive; seen more as a statement of political opinion, rather than sporting support.

But, this year, we are in a great position. Unlike any other country in Europe, we can get behind and support two teams. Fantastic - twice the opportunity to get behind a team.

Let's celebrate it with joint shirts - as Lindy McDowell suggests - and, dare I say it, joint flags.

PETER

Belfast

Church unambiguous on sexual morality

I feel compelled to take issue with Alf McCreary's column (Saturday Review, June 4).

There is no biblical ambiguity on matters of sexual morality. If Church doctrine is to be governed by the moral atmosphere of the current generation, how can we Presbyterians have any credibility when we try to point unbelievers in need of salvation to an unchanging God, His unchanging word and the unchanging Gospel?

If a Church is not faithful to the teachings of Christ, it ceases to be a Church in the true sense.

I pray that the General Assembly won't take Mr McCreary's advice to pursue shallow popularity at the expense of faithfulness to the word of God.

GAVIN McFARLAND

Ahoghill, Co Antrim

Time for public to see the true facts of Brexit

I am dismayed that the much-repeated claim by the Brexit campaign that £350m per week is sent to Brussels is allowed to continue.

It has been thoroughly debunked as inaccurate and misleading and the head of the UK Statistics Authority has written to the campaign with that message, but they continue to use the figure - even though they know it is wrong.

Surely, it is time that newspapers and other media stopped including it in headlines as a "disputed claim" and started calling it what it is - a lie?

The facts are clear and the leaders of Brexit are clearly guilty of attempting to mislead (on other issues, too).

Sadly, I know that many people believe the lies they are being fed.

I think that we deserve better standards in this debate.

ANDREW

By email

Let us remember the forgotten victims

I refer to Derek Linster's letter (Write Back, June 9): he is spot-on when he suggests that all forgotten victims who hold documentary evidence of being held in Irish institutions should be given redress now.

The cherry-picking is over and now it is time to consider forgotten victims, who have suffered more than most.

Would any minister in government today sign papers to commit their child to a life of being locked away, abused, assaulted, starved and blocked from corresponding with their family? If anyone agrees, then step forward.

Some Irish women, convicted of stealing in shops in the UK, were deported back to Ireland and locked away in mental hospitals for what could have been a life sentence.

These institutions were dumping-grounds and Ireland breached the European Convention on Human Rights, which she was a signatory to.

Also: who is picking up the bill for treatment of victims, who are endeavouring to deal with the implications of forced drug trials in these institutions (along with other abuses)?

DR ROSALEEN ROGERS

Chairperson, Templemore's Forgotten Victims

Belfast Telegraph

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