Public summit to tackle sky high insurance premiums in Bradford

Bradford Telegraph and Argus: MP David Ward MP David Ward

WAYS of tackling sky-high car insurance premiums in Bradford are set to be discussed at a specially-convened summit tonight.

The meeting, at Bradford's City Hall, is being organised by Bradford East MP DavidWard (Lib Dem) and will look into why premiums in Bradford are some of the highest in the country.

At the summit, Mr Ward will present his new report on the problem, called 'Unaffordable insurance - applying the brakes'.

West Yorkshire Police and a representative from the Cooperative Insurance will also be there, to take part in the discussion.

Mr Ward's report is an update from a similar study he produced two years ago, and will detail what, if anything, has changed for motorists since then.

The MP's first report was sparked after concerns were raised by his constituents, one of whom was quoted £26,000 to insure his son's first car.

Comments (23)

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11:39am Thu 19 Jun 14

Cooperlane2 says...

Do they really need a summit?
cash for crash, unlicensed drivers, uninsured drivers, cars not registered to owners, basic disregard of motoring laws such as red lights etc etc

Have a massive crackdown on certain BD postcodes, keep cracking down.
Not just a 1day publicity thing.
Keep cracking down until it's driven home that you need a road legal car.
Do they really need a summit? cash for crash, unlicensed drivers, uninsured drivers, cars not registered to owners, basic disregard of motoring laws such as red lights etc etc Have a massive crackdown on certain BD postcodes, keep cracking down. Not just a 1day publicity thing. Keep cracking down until it's driven home that you need a road legal car. Cooperlane2
  • Score: 39

11:51am Thu 19 Jun 14

pokertee says...

Cooperlane2 wrote:
Do they really need a summit?
cash for crash, unlicensed drivers, uninsured drivers, cars not registered to owners, basic disregard of motoring laws such as red lights etc etc

Have a massive crackdown on certain BD postcodes, keep cracking down.
Not just a 1day publicity thing.
Keep cracking down until it's driven home that you need a road legal car.
Im assuming you live in a good BD area? Yes there are some numpties in certain areas driving like mad heads but that happens everywhere. If you check some facts you will find that Insurance rose by around 55% over the last 3 years. This was mostly due to the cash for crash as you mentioned which means that they were fully insured anyway. I live in Holmewood and i tell you now that you will find it hard to find more than 3 uninsured drivers on this estate. The only problem we have nowadays is idiots on scramblers flying around the estate but this does not have any effect whatsoever on Insurance premiums. ( cars not registered to owners, basic disregard of motoring laws such as red lights): these cases have nothing at all to do with insurance rises.
[quote][p][bold]Cooperlane2[/bold] wrote: Do they really need a summit? cash for crash, unlicensed drivers, uninsured drivers, cars not registered to owners, basic disregard of motoring laws such as red lights etc etc Have a massive crackdown on certain BD postcodes, keep cracking down. Not just a 1day publicity thing. Keep cracking down until it's driven home that you need a road legal car.[/p][/quote]Im assuming you live in a good BD area? Yes there are some numpties in certain areas driving like mad heads but that happens everywhere. If you check some facts you will find that Insurance rose by around 55% over the last 3 years. This was mostly due to the cash for crash as you mentioned which means that they were fully insured anyway. I live in Holmewood and i tell you now that you will find it hard to find more than 3 uninsured drivers on this estate. The only problem we have nowadays is idiots on scramblers flying around the estate but this does not have any effect whatsoever on Insurance premiums. ( cars not registered to owners, basic disregard of motoring laws such as red lights): these cases have nothing at all to do with insurance rises. pokertee
  • Score: -14

12:04pm Thu 19 Jun 14

Farsley Bantam says...

Some ideas;

-Flat rate of £250 for all wiplash claims
-Mandatory on board cameras to stop faked crashes
-Uninsured cars crushed immediately. No excuses.
-£5000 fine on top of crushed car. £250 fines that are currently issued don't even cover the premiums for more than a couple of months.
-Insurance premiums to descriminate on ethnicity as they do on age, gender, occupation etc.
-More traffic police to enforce the current laws.

(won't happen in a million years but would improve the problem overnight)
Some ideas; -Flat rate of £250 for all wiplash claims -Mandatory on board cameras to stop faked crashes -Uninsured cars crushed immediately. No excuses. -£5000 fine on top of crushed car. £250 fines that are currently issued don't even cover the premiums for more than a couple of months. -Insurance premiums to descriminate on ethnicity as they do on age, gender, occupation etc. -More traffic police to enforce the current laws. (won't happen in a million years but would improve the problem overnight) Farsley Bantam
  • Score: 17

12:31pm Thu 19 Jun 14

Bikerbeardy says...

Headline should read "Public summit to tackle sky high insurance premiums in some parts of Bradford".

I live in "Bradford" but enjoy cheap insurance on my vehicles, I bet its probably the same postcodes that are currently receiving the MASSIVE funding handouts to regenerate the areas and provide funding to tackle child mortality rates which the T&A covered recently
Headline should read "Public summit to tackle sky high insurance premiums in some parts of Bradford". I live in "Bradford" but enjoy cheap insurance on my vehicles, I bet its probably the same postcodes that are currently receiving the MASSIVE funding handouts to regenerate the areas and provide funding to tackle child mortality rates which the T&A covered recently Bikerbeardy
  • Score: 7

12:46pm Thu 19 Jun 14

Andy Mac says...

I don't think the postcode thing matters ..... I live in BD16, I questioned NFU Mutual why this years renewal was extortionate only to be told "it is a risk, you are close to BD3. BD in general is a risk, regardless of how BD16 fares individually".

I have gone elsewhere, but judging by some of the driving skills I see, which seem to get worse on a monthly basis, I'm fully expecting to be told the same next year by my new provider.

This article is same as many others today ("will look into what has changed since the last report 2 years ago"). Sadly, we can tell you the answer without the need for another report. NOTHING.
I don't think the postcode thing matters ..... I live in BD16, I questioned NFU Mutual why this years renewal was extortionate only to be told "it is a risk, you are close to BD3. BD in general is a risk, regardless of how BD16 fares individually". I have gone elsewhere, but judging by some of the driving skills I see, which seem to get worse on a monthly basis, I'm fully expecting to be told the same next year by my new provider. This article is same as many others today ("will look into what has changed since the last report 2 years ago"). Sadly, we can tell you the answer without the need for another report. NOTHING. Andy Mac
  • Score: 10

12:54pm Thu 19 Jun 14

yezboss says...

Also WYP as a matter of Force Policy for several years now do not take reports of hit and run non injury collisions even if there is a VRM taken if not witnesed by themselves. Even if there is injury and it is not serious i.e. 'WHIPLASH' staff do not take a report if they can avoid doing so. Force Standing Orders REQUIRE a HORT7 (Injury report) and Stats 19 Form to be submitted if ANY injury however minor is reported. (Even shock is an injury but it is not for those reports but it is for an insurance claim) They either do not have the staff or time or inclination to deal with them. Another reason why collision data is both wrong and inaccurate. Ask insurers if claims have gone up? They will tell you 'yes'. Ask the Police/Home Office and Local Authorites and they will tell you not. Lies, damned lies and statistics.
Also WYP as a matter of Force Policy for several years now do not take reports of hit and run non injury collisions even if there is a VRM taken if not witnesed by themselves. Even if there is injury and it is not serious i.e. 'WHIPLASH' staff do not take a report if they can avoid doing so. Force Standing Orders REQUIRE a HORT7 (Injury report) and Stats 19 Form to be submitted if ANY injury however minor is reported. (Even shock is an injury but it is not for those reports but it is for an insurance claim) They either do not have the staff or time or inclination to deal with them. Another reason why collision data is both wrong and inaccurate. Ask insurers if claims have gone up? They will tell you 'yes'. Ask the Police/Home Office and Local Authorites and they will tell you not. Lies, damned lies and statistics. yezboss
  • Score: 10

1:09pm Thu 19 Jun 14

baildongreen says...

The group that are dragging our education down is the same group that is keeping insurance premiums up.

Surely it is time for them to be told to shape up or ship out. I for one have had enough of their corruption, squalor, intolerant religion and barbaric jurisprudence. They are ruining our country is a way that no other group of immigrants has ever done. They behave more like invaders.
The group that are dragging our education down is the same group that is keeping insurance premiums up. Surely it is time for them to be told to shape up or ship out. I for one have had enough of their corruption, squalor, intolerant religion and barbaric jurisprudence. They are ruining our country is a way that no other group of immigrants has ever done. They behave more like invaders. baildongreen
  • Score: 31

1:11pm Thu 19 Jun 14

mike.smith says...

My argument always has been the insurance industry quotes based on postcodes and groups is completely wrong. Every motorist should be priced accordingly and premiums rocketed if the driver is convicted for any offences, claims or bad driving. Compulsory vehicle data recording devices fitted and randomly inspected for drivers habits.
This will drive fear of sky high premiums aswell as drivers more alert and not just drive accordingly but avoid collisions due to other drivers at fault.
My argument always has been the insurance industry quotes based on postcodes and groups is completely wrong. Every motorist should be priced accordingly and premiums rocketed if the driver is convicted for any offences, claims or bad driving. Compulsory vehicle data recording devices fitted and randomly inspected for drivers habits. This will drive fear of sky high premiums aswell as drivers more alert and not just drive accordingly but avoid collisions due to other drivers at fault. mike.smith
  • Score: 7

1:14pm Thu 19 Jun 14

collos25 says...

My car insurance in Bradford is very reasonable and certainly a lot cheaper than other parts of the UK.
My car insurance in Bradford is very reasonable and certainly a lot cheaper than other parts of the UK. collos25
  • Score: 2

1:17pm Thu 19 Jun 14

OLDLAD says...

No more drivers in high powered cars on garage insurance. Zero tolerance policy on all vehicle crime. Get traffic wardens to indentify vehicles with no/out of date tax. Higher penalties for those found guilty.
No more drivers in high powered cars on garage insurance. Zero tolerance policy on all vehicle crime. Get traffic wardens to indentify vehicles with no/out of date tax. Higher penalties for those found guilty. OLDLAD
  • Score: 8

1:33pm Thu 19 Jun 14

angry bradfordian says...

In my opinion, it's a shame that Ward will probably lose his seat because he seems to be trying to do good work for his constituents on matters that affect them.

It's in stark contrast to some of our other MPs who spend their time toeing the party line to climb the greasy pole. Or even worse my MP who's more bothered about events in Palestine than Queensbury!
In my opinion, it's a shame that Ward will probably lose his seat because he seems to be trying to do good work for his constituents on matters that affect them. It's in stark contrast to some of our other MPs who spend their time toeing the party line to climb the greasy pole. Or even worse my MP who's more bothered about events in Palestine than Queensbury! angry bradfordian
  • Score: 15

1:34pm Thu 19 Jun 14

Farsley Bantam says...

collos25 wrote:
My car insurance in Bradford is very reasonable and certainly a lot cheaper than other parts of the UK.
From your posts I'm guessing your an old Tory who lives in a nice part of the Bradford district? If so then it will be relatively cheap.
When I lived in Farsley my premiums (as a 24 year old) were obscene because I bordered some of the lawless areas of the district (Thornbury, Braford Moor, Barkerend etc)
[quote][p][bold]collos25[/bold] wrote: My car insurance in Bradford is very reasonable and certainly a lot cheaper than other parts of the UK.[/p][/quote]From your posts I'm guessing your an old Tory who lives in a nice part of the Bradford district? If so then it will be relatively cheap. When I lived in Farsley my premiums (as a 24 year old) were obscene because I bordered some of the lawless areas of the district (Thornbury, Braford Moor, Barkerend etc) Farsley Bantam
  • Score: 4

1:59pm Thu 19 Jun 14

yezboss says...

OLDLAD wrote:
No more drivers in high powered cars on garage insurance. Zero tolerance policy on all vehicle crime. Get traffic wardens to indentify vehicles with no/out of date tax. Higher penalties for those found guilty.
Sorry, there is no such thing as a 'warden' presumably you mean a Traffic warden, they were disbanded years ago, replaced by the Civil Enforcement Officers who are not interested in and have no powers with regard to out of date VEL's they only deal with civil parking issues, and in any case the VEL will not be required to be displayed after October - DVLA say they are history with the advent of ANPR and that is RUBBISH! The police and DVLA are the only ones who can deal with excise matters (DVLA are only really interested in recovering duty so if other offences are disclosed such as fraudulent use or leading to no insurance report it to the police and don't take 'its got nothing to do with us' for an answer. In any case as above after October you won't know anyway. But you can report such to the DVLA via their web site but don't hold your breath they may not even get round to dealing with it for months. A lot of insurers have clamped down on Trade Policies though. Also they have addressed DOV (driving other vehicles cover) prohibiting use under DOV where a vehicle is reclaimed after being seized by Authorities.
[quote][p][bold]OLDLAD[/bold] wrote: No more drivers in high powered cars on garage insurance. Zero tolerance policy on all vehicle crime. Get traffic wardens to indentify vehicles with no/out of date tax. Higher penalties for those found guilty.[/p][/quote]Sorry, there is no such thing as a 'warden' presumably you mean a Traffic warden, they were disbanded years ago, replaced by the Civil Enforcement Officers who are not interested in and have no powers with regard to out of date VEL's they only deal with civil parking issues, and in any case the VEL will not be required to be displayed after October - DVLA say they are history with the advent of ANPR and that is RUBBISH! The police and DVLA are the only ones who can deal with excise matters (DVLA are only really interested in recovering duty so if other offences are disclosed such as fraudulent use or leading to no insurance report it to the police and don't take 'its got nothing to do with us' for an answer. In any case as above after October you won't know anyway. But you can report such to the DVLA via their web site but don't hold your breath they may not even get round to dealing with it for months. A lot of insurers have clamped down on Trade Policies though. Also they have addressed DOV (driving other vehicles cover) prohibiting use under DOV where a vehicle is reclaimed after being seized by Authorities. yezboss
  • Score: 3

7:07pm Thu 19 Jun 14

Colin Allcars says...

I heard that BD2 is now effected by being next to BD3 and the recent influx of gated compounds.
insurance on Thorpe edge is said to be now cheaper than Bolton Road as a result of colonialisationt!
I heard that BD2 is now effected by being next to BD3 and the recent influx of gated compounds. insurance on Thorpe edge is said to be now cheaper than Bolton Road as a result of colonialisationt! Colin Allcars
  • Score: 3

7:19pm Thu 19 Jun 14

mad matt says...

You only have to look how some people drive, having no regard or respect for other road users or the highway code.
A lot of insurance companies won't accept insurance proposals from ANY BD postcode - you just get a curt "Oh we don't take business from any Bradford address"
Straight away that means your choice of insurance provider is limited.
You only have to look how some people drive, having no regard or respect for other road users or the highway code. A lot of insurance companies won't accept insurance proposals from ANY BD postcode - you just get a curt "Oh we don't take business from any Bradford address" Straight away that means your choice of insurance provider is limited. mad matt
  • Score: 1

9:10pm Thu 19 Jun 14

Truth prevails says...

baildongreen wrote:
The group that are dragging our education down is the same group that is keeping insurance premiums up.

Surely it is time for them to be told to shape up or ship out. I for one have had enough of their corruption, squalor, intolerant religion and barbaric jurisprudence. They are ruining our country is a way that no other group of immigrants has ever done. They behave more like invaders.
Here we go! What has ethnicity or religion got to do with car insurance. Is it only one race that commits fraud? Just an easy target as usual.
[quote][p][bold]baildongreen[/bold] wrote: The group that are dragging our education down is the same group that is keeping insurance premiums up. Surely it is time for them to be told to shape up or ship out. I for one have had enough of their corruption, squalor, intolerant religion and barbaric jurisprudence. They are ruining our country is a way that no other group of immigrants has ever done. They behave more like invaders.[/p][/quote]Here we go! What has ethnicity or religion got to do with car insurance. Is it only one race that commits fraud? Just an easy target as usual. Truth prevails
  • Score: -1

9:13pm Thu 19 Jun 14

micela22 says...

No wonder Bradford has the highest number of uninsured drivers!!! I bought a 1.2 Polo last June & received a years `free` insurance. Just got my renewal from VW (bought from Halifax VW) It`s £21,200.00 (yes Twenty one thousand two hundred) to renew the insurance. This takes into account my age. (passed my test in 1981 so guess) over 15 years no claims & having had a clean licence since I passed. I can pay in monthly instalments of £1766.66. Do they know the minimum wage? If that`s what VW have paid for the last year for my insurance it would have been more economical for them to give me the car, or a better one, and tell me to buy my own insurance. Why haven`t they just told me they won`t insure Bradford drivers. Tried to put it in as my renewal quote on comparison sites & there were too many numbers & I didn`t even add the pence figure.
No wonder Bradford has the highest number of uninsured drivers!!! I bought a 1.2 Polo last June & received a years `free` insurance. Just got my renewal from VW (bought from Halifax VW) It`s £21,200.00 (yes Twenty one thousand two hundred) to renew the insurance. This takes into account my age. (passed my test in 1981 so guess) over 15 years no claims & having had a clean licence since I passed. I can pay in monthly instalments of £1766.66. Do they know the minimum wage? If that`s what VW have paid for the last year for my insurance it would have been more economical for them to give me the car, or a better one, and tell me to buy my own insurance. Why haven`t they just told me they won`t insure Bradford drivers. Tried to put it in as my renewal quote on comparison sites & there were too many numbers & I didn`t even add the pence figure. micela22
  • Score: 4

10:14pm Thu 19 Jun 14

Vaikona says...

was just driving up Barkerend Road tonight I was stopped at the lights waiting to turn right when a black car drove at speed from behind me overtook me on the opposite side of the road and turned right in front of oncoming cars. I then turned right behind him and 500 yards later a silver car came towards me at speed I just tucked my car into the left to make sure he had plenty of room to get out of my way! This only a small example of how these idiots drive!!! pity I couldn't get the reg numbers. BD3 SUCKS!
was just driving up Barkerend Road tonight I was stopped at the lights waiting to turn right when a black car drove at speed from behind me overtook me on the opposite side of the road and turned right in front of oncoming cars. I then turned right behind him and 500 yards later a silver car came towards me at speed I just tucked my car into the left to make sure he had plenty of room to get out of my way! This only a small example of how these idiots drive!!! pity I couldn't get the reg numbers. BD3 SUCKS! Vaikona
  • Score: 8

11:04pm Thu 19 Jun 14

Mr Capp says...

Just narrowly avoided an accident in allerton road where the driver of a white car was travelling in the wrong direction on the dual carriageway at a speed i would estimate at 70mph. We need a police task force of road traffic officers to blitz bradford's illegal and anti social drivers.
Just narrowly avoided an accident in allerton road where the driver of a white car was travelling in the wrong direction on the dual carriageway at a speed i would estimate at 70mph. We need a police task force of road traffic officers to blitz bradford's illegal and anti social drivers. Mr Capp
  • Score: 9

5:37am Fri 20 Jun 14

Andy2010 says...

To combat the cash for crash idiots draft up a disclaimer, print it off and keep in your glove box. If you have an accident get them to sign stating they were the only person or persons in the car. Also inform the other driver everything was captured on a dashboard cam even if it wasn't. If they won't sign the disclaimer (which needs to state it is not an admission of fault) look around for witnesses and ask them to sign. You can find all these forms online
To combat the cash for crash idiots draft up a disclaimer, print it off and keep in your glove box. If you have an accident get them to sign stating they were the only person or persons in the car. Also inform the other driver everything was captured on a dashboard cam even if it wasn't. If they won't sign the disclaimer (which needs to state it is not an admission of fault) look around for witnesses and ask them to sign. You can find all these forms online Andy2010
  • Score: 6

2:25pm Fri 20 Jun 14

john/garage says...

David Ward we all know why Insurance is so high in Bradford, we dont need a summit or you wasting time you can ill afford doing a study on it ,what a total waste of time and money which we know your good at. Whats needed is tough action against all the ilegal drivers and insurance scammers out there but you need to be careful not to upset them as they may be the only one's who vote for you.
David Ward we all know why Insurance is so high in Bradford, we dont need a summit or you wasting time you can ill afford doing a study on it ,what a total waste of time and money which we know your good at. Whats needed is tough action against all the ilegal drivers and insurance scammers out there but you need to be careful not to upset them as they may be the only one's who vote for you. john/garage
  • Score: 2

10:04pm Fri 20 Jun 14

i'dliketosay says...

baildongreen wrote:
The group that are dragging our education down is the same group that is keeping insurance premiums up.

Surely it is time for them to be told to shape up or ship out. I for one have had enough of their corruption, squalor, intolerant religion and barbaric jurisprudence. They are ruining our country is a way that no other group of immigrants has ever done. They behave more like invaders.
I suppose you missed the headline regarding which group are doing the worst in schools?
And you say others have intolerant views....
[quote][p][bold]baildongreen[/bold] wrote: The group that are dragging our education down is the same group that is keeping insurance premiums up. Surely it is time for them to be told to shape up or ship out. I for one have had enough of their corruption, squalor, intolerant religion and barbaric jurisprudence. They are ruining our country is a way that no other group of immigrants has ever done. They behave more like invaders.[/p][/quote]I suppose you missed the headline regarding which group are doing the worst in schools? And you say others have intolerant views.... i'dliketosay
  • Score: 2

9:01pm Sat 21 Jun 14

BertSanders says...

Write to the Police Commissoner - I did not get a satisfactory answer but if enough write they might look at the situation. I believe it was established
so that the public would have a democratic agency that would negotiate ideas with the Police but I have seen very little evidence that this is happenning.
Write to the Police Commissoner - I did not get a satisfactory answer but if enough write they might look at the situation. I believe it was established so that the public would have a democratic agency that would negotiate ideas with the Police but I have seen very little evidence that this is happenning. BertSanders
  • Score: 1

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