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Simmo
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If that was the case using a car analogy wouldn't they charge more as your accident free driving increased as you would be inevitably increasing the risk every time you go out in the car. I give up trying to understand your logic and leave you to your empirical statistics etc. :thumbup:

 

Indeed and new drivers would be lower risk and cheaper, yeah right!!!:lol::laugh1::lol:

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If that was the case using a car analogy wouldn't they charge more as your accident free driving increased as you would be inevitably increasing the risk every time you go out in the car. I give up trying to understand your logic and leave you to your empirical statistics etc. :thumbup:

 

 

If Emperical statistics law bothers you so much then may I suggest starting an online petition to stop organisations using it, maybe even wipe it from our scientific finds, I however regretfully must inform you that I have no control over insurance companies.

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If that was the case using a car analogy wouldn't they charge more as your accident free driving increased as you would be inevitably increasing the risk every time you go out in the car. I give up trying to understand your logic and leave you to your empirical statistics etc. :thumbup:

 

I was told by my insurance broker years ago (so may be different now) how they quantity risk statistically... In laymans terms.

 

If you drive your car 10 times a year and you have 1 crash, then your risk of claim is 10%

 

If you drive your car 100 times in that year & crash once, your risk of claiming is 1%

 

So even though you drive more (you'd think it'd be higher risk) statistically you are less of a risk.

 

So the more you do something, even though you are exposed to more possible risk statistically you should be safer.

 

It makes sense to me but could just be complete bollocks

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Presently I am making a move to photography work, but it's more of a transition. I like tree care and pruning so much that I don't want to make a complete change.

 

My ideal work work would be one that is 50/50 or at least 3 days photography and 2 days pruning. I enjoy the work as well as the exercise.

 

But I've also done it long enough to provide a benefit to the community, and that's worth considering.

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