The TPU UK Clubhouse

[Tatty_Two]

Let's not even talk about prices going up. I'm currently looking for car insurance because my current one is due for renewal for 30% more. Unlike in previous years, I can't even find anything cheaper.

I went with Quote me Happy about 3 years ago, at that time nothing came close for fully comprehensive cover, last year my premium even went down by 20 quid, this year it went up by almost 40 but i still consider it reasonable as I only pay now with that increase £223.

 

[AusWolf]

I went with Quote me Happy about 3 years ago, at that time nothing came close for fully comprehensive cover, last year my premium even went down by 20 quid, this year it went up by almost 40 but i still consider it reasonable as I only pay now with that increase £223.

223 a year? That's awesome!

I paid around 700 up until now. Next year, I'll pay almost 1,000... with 4 years NCD.

 

[the54thvoid]

223 a year? That's awesome!

I paid around 700 up until now. Next year, I'll pay almost 1,000... with 4 years NCD.

Tattys likely got his full 10yrs no claims. One of the benefits of age.

 

[Count von Schwalbe]

I paid around 700 up until now. Next year, I'll pay almost 1,000... with 4 years NCD.

The disadvantage of a hot hatch?

 

[Tatty_Two]

The disadvantage of a hot hatch?

My Price was for a Hot hatch, and yes, well over 10 years no claims discount. @the54thvoid .......... age yes, careful driving ............ maybe

 

[AusWolf]

The disadvantage of a hot hatch?

Maybe. Although, it was fine last year. 3 years NCD seems to be better than 4?

 

[Tatty_Two]

Maybe. Although, it was fine last year. 3 years NCD seems to be better than 4?

Well all insurances have gone up significantly whether it be car, holiday, home etc and it's not just the inflation, a new law was brought in last year which did not allow companies to "auto renew" any longer unless the customer checks that tick box in their account, what this has led to is more people are looking for cheaper alternatives rather than just go with the easier auto renew quote so basically if the companies start losing some business they hike their prices to close the gap.
They can also no longer do new customer only deals to pull in more people, if a deal is offered it must be accessible to existing customers too, this does not just cover insurances but TV/Broadband and those kind of services.

 

[AusWolf]

Well all insurances have gone up significantly whether it be car, holiday, home etc and it's not just the inflation, a new law was brought in last year which did not allow companies to "auto renew" any longer unless the customer checks that tick box in their account, what this has led to is more people are looking for cheaper alternatives rather than just go with the easier auto renew quote so basically if the companies start losing some business they hike their prices to close the gap.
They can also no longer do new customer only deals to pull in more people, if a deal is offered it must be accessible to existing customers too, this does not just cover insurances but TV/Broadband and those kind of services.

That makes sense. I nearly started making conspiracy theories around the recent Luton Airport car park fire that must have cost a fortune for insurance companies.

 

[the54thvoid]

That makes sense. I nearly started making conspiracy theories around the recent Luton Airport car park fire that must have cost a fortune for insurance companies.

That incident in itself was a lesson in patience. Pretty sure everyone (myself included) at first thought something nefarious, Then I thought EV fire (because they're so hard to extinguish), and I saw on the news that's exactly what started doing the rounds on social media. Then the fire service and a footage shows the diesel engined car on fire. Guy's been arrested apparently as a routine process for criminal damage until the exact cause is known.

But think about the insurance payouts that will have to be made. I mean, I really hate the premiums but suff like this, and all the recent flooding (in areas not recognised as flood zones) will cost insurers millions. Those premiums will just keep going up.

 

[FreedomEclipse]

Anyone got a spare £1000 behind the sofa?

 

[FoulOnWhite]

I'll buy 2



I wish

What about this beast, over 11K/MB/S

https://www.tomshardware.com/reviews/teamgroup-cardea-z540-ssd-review

 

[AusWolf]

But think about the insurance payouts that will have to be made. I mean, I really hate the premiums but suff like this, and all the recent flooding (in areas not recognised as flood zones) will cost insurers millions. Those premiums will just keep going up.

That's exactly what I thought, regardless of the cause of the fire. It's just a shame that now everybody is paying for other people's problem.

 

[kurosagi01]

I am definitely looking forward to continue paying the same amount despite having 10 year NCB.

 

[Space Lynx]

I miss living in England so much... fml.

I was so much happier there.

I wish my great grandfather being an officer in the Royal Navy granted me some kind of temporary work visa at the very least, but it doesn't sadly.

 

[AusWolf]

I miss living in England so much... fml.

I was so much happier there.

I wish my great grandfather being an officer in the Royal Navy granted me some kind of temporary work visa at the very least, but it doesn't sadly.

What made you happier here? Isn't there a way to have similar experiences where you are now?

 

[Space Lynx]

What made you happier here? Isn't there a way to have similar experiences where you are now?

My family in America that I live with are very negative energy people 24.7, it really wears my morale down.

In England I have a few friends that are very positive energy and all 6-10 months I have spent with them I was always happy, walking forest every day, throwing ball with dog (which isn't allowed in the area I live in America, very stringent leash laws where I live and the only dog park is so tiny you can't throw a ball, its just like slides and toys for the dogs to climb on, etc pretty horrible overall), I am sure there are better areas in America, but I can't afford to live there even if there are.

I also prefer the climate of England, I suffer from extreme dry eye disease due to a surgery that went wrong many years ago, and winter where I live destroys me, and in England its not nearly as bad.

I miss Sainsburys, the food at Sainsburys is infinitely better than where I live and decently priced. I particularly miss the microwave pre-made Indian food dishes Sainsbury brand, I have an Aldi where I live in America, but their Indian doesn't come close to Sainsbury.

28 days vacation time starting basically right away for any job I might get in UK, and jobs in America I have to work 10-15 years before I earn that many vacation days, so I am always demoralized cause I know I don't have much to look forward to, where as in UK if I had a work visa I could go work a warehouse job, play with dog after work, and look forward to a long weekend vacation with my friends often.

It's a lot of things... these are just some of them.

I will say it is nice having my dentist in America though, I get cleaning every 6 months and have an amazing dentist... in England I am well aware I would never get a dentist... but that is only pro I have for America... soo... lol

 

[FreedomEclipse]

have an Aldi where I live in America, but their Indian doesn't come close to Sainsbury.

easy fix. Just throw a tonne of salt in it.

 

[FoulOnWhite]

I wouldn't live in America if i was paid, no offense Space lynx.

 

[Space Lynx]

I wouldn't live in America if i was paid, no offense Space lynx.

is your couch offer still open?

if everyone in England here in this thread lets me sleep on their couch for two weeks, I could theoretically stay in England for 6 months rent free

What do you say lads, spice your life with a bit of Lynx eccentricity!? all i need is couch, shower, access to microwave for my sainsburys meals

 

[FoulOnWhite]

is your couch offer still open?

if everyone in England here in this thread lets me sleep on their couch for two weeks, I could theoretically stay in England for 6 months rent free

What do you say lads, spice your life with a bit of Lynx eccentricity!? all i need is couch, shower, access to microwave for my sainsburys meals

It's not the ritz, but aye.

 

[Tatty_Two]

is your couch offer still open?

if everyone in England here in this thread lets me sleep on their couch for two weeks, I could theoretically stay in England for 6 months rent free

What do you say lads, spice your life with a bit of Lynx eccentricity!? all i need is couch, shower, access to microwave for my sainsburys meals

There is a simpler solution, you move to Florida, buy a house big enough for 8 people that has a decent pool, then I won't have to spend £3000 for a 2 week holiday rental like I am in February but I can then stay in Florida for 3 months each year and you can do the same in my house ......................... win/win!

 

[AusWolf]

My family in America that I live with are very negative energy people 24.7, it really wears my morale down.

Can't you just move somewhere further in your area where you're in less contact with them? I've learned through my years of living in the UK (and doing university before that) that distance improves family relationships massively.

I miss Sainsburys, the food at Sainsburys is infinitely better than where I live and decently priced. I particularly miss the microwave pre-made Indian food dishes Sainsbury brand, I have an Aldi where I live in America, but their Indian doesn't come close to Sainsbury.

Time to learn cooking, I guess? Pre-made food isn't bad here, but nowhere near the quality that you can learn to make for yourself with a little patience.

28 days vacation time starting basically right away for any job I might get in UK, and jobs in America I have to work 10-15 years before I earn that many vacation days, so I am always demoralized cause I know I don't have much to look forward to, where as in UK if I had a work visa I could go work a warehouse job, play with dog after work, and look forward to a long weekend vacation with my friends often.

Yeah, that sucks. Although, you need to know that by law, employers can force you to take your holidays whenever they want to. Lots of them use this loophole for the Christmas shutdowns which can easily rid you of 8-10 of your yearly allocated leave days. It sucks that my girlfriend has this, but I don't. So I have way more free-to-use leave days through the year, but I have to work through the holidays.

Also, if a regular warehouse job is what you're after, maybe you can contact one of the employment agencies here? We've had a strange influx of people from India lately at my place, so I guess there's something that can be done with that visa.

I will say it is nice having my dentist in America though, I get cleaning every 6 months and have an amazing dentist... in England I am well aware I would never get a dentist... but that is only pro I have for America... soo... lol

Oh don't even start on the dentist! I've been postponing it for about a year now. It really needs to be done, but there's always something more important in the way. Car insurance search, the missus' birthday, now Christmas, totally unnecessary computer upgrades, games, etc.

 

[Tatty_Two]

Oh don't even start on the dentist! I've been postponing it for about a year now. It really needs to be done, but there's always something more important in the way. Car insurance search, the missus' birthday, now Christmas, totally unnecessary computer upgrades, games, etc.

Ahhhhh you gotta love those first world problems

 

[AusWolf]

Ahhhhh you gotta love those first world problems

Precisely!

 

[FreedomEclipse]

Time to learn cooking, I guess? Pre-made food isn't bad here, but nowhere near the quality that you can learn to make for yourself with a little patience.

They also can be quite unhealthy as they contain a lot of salt, fat or 'E' numbered additives in the form of coloring, preservatives or some sort of artificially created flavor enhancers. None of which are particularly great for you if consumed in large amounts.

I would never go out of my way to eat that stuff .

In other news I am officially without internet and currently hotspotting. Kissed goodbye to plusnet sometime last night. We have the router from sky still sitting in its box but we are not due to get service from them till the 6th.Trying to make this 12GB of data last and ive already eaten 1Gb since i got up this morning. Cant start the day without some youtube while eating breakfast (although I did dial down the quality to 720p)