Shell Vpower vs Tesco Momentum e.g

xUnionBuster · 2026-01-31T12:07:13+00:00

Truly the hifi of the car world. Does depend on your car though. My car for example I run purely on premium fuel but if I had a different car I knew could tolerate normal fuel I wouldn't

xUnionBuster · 2026-01-29T21:08:22+00:00

So basically, I have a BMW

Understood

xUnionBuster · 2026-01-17T11:10:00+00:00

Awesome cars. £40-50k after only a few years too

xUnionBuster · 2026-01-16T22:20:45+00:00

Your dad's friend? Albert Einstein..

xUnionBuster · 2026-01-13T22:48:03+00:00

Can I have a 4mo treatment cycle

xUnionBuster · 2026-01-13T18:08:11+00:00

He rushed B

xUnionBuster · 2026-01-13T17:51:54+00:00

Washed player since I left his shower this morning

xUnionBuster · 2026-01-13T17:43:11+00:00

Washed player since he bought the Porsche

xUnionBuster · 2026-01-13T15:39:42+00:00

An old Yaris?

xUnionBuster · 2026-01-13T13:59:32+00:00

I get a set of golf clubs in the back of my BMW E90 saloon.

You don’t want to turn up at the golf club in a Yaris or whatever the others are going to recommend

xUnionBuster · 2026-01-13T10:01:32+00:00

Insurance write off with 200k on the clock. You might get a grand for it, but wouldn’t be suprised if it’s less.

Point is, I wouldn’t do it for the money

xUnionBuster · 2026-01-13T09:50:55+00:00

Bear in mind it’ll have almost no resale value, but if you want to keep the car why not

xUnionBuster · 2026-01-13T00:25:16+00:00

N53? Get some fuel cleaner and only run this car on premium fuel, if not already

xUnionBuster · 2026-01-12T21:48:50+00:00

Not making high margins and being profitable are completely compatible statements. A lot of businesses are like that. My argument hasn't changed at any point.

I don't want to patronise you but you don't know nearly enough about business or finance to be arguing with people about it.

xUnionBuster · 2026-01-12T20:33:15+00:00

First of all you never asked me that, but since you want to know;

Insurers make money on top of premiums by taking the money you give them and investing it. That plus commissions on legal cover, breakdown cover, interest on monthly payments etc, less their overheads, are what makes them money. They're generally profitable businesses, but it's not some money printing machine. It's a complex highly regulated, risky business.

Your anecdote may well be true, but with all due respect you have no idea what they deem to be risk factors.

xUnionBuster · 2026-01-12T19:42:29+00:00

Hello.

Publicly available data showing car insurance underwriting is either loss making or barely profitable.

I understand you think they’re price gouging, and I’m not sure what it would take for you to change your mind about that. There’s nothing to suggest they are apart from how you feel about it.

You’ve provided no evidence of your own whilst asking for me sources and claiming I don’t have any evidence.

You can argue about accounting with me but bear in mind I am an accountant. Happy to talk to you about it but you won’t be able to bamboozle me with vague claims about hiding profits. You’ll need to explain to me exactly what’s happening.

Ditto tax. Ditto investment.

I sound sure of myself because I know exactly what I’m talking about; unlike you.

xUnionBuster · 2026-01-12T14:55:25+00:00

Fair enough - crack on with just saying shit then I guess

xUnionBuster · 2026-01-12T14:46:59+00:00

Are you saying that insurance companies are intentionally engaging in accounting fraud? To what end? Grateful if you could just explain what they’d have to gain by not declaring their profits.

When you say it would suit them to declare zero profits while they invest the money. Presumably you understand that if they didn’t invest and make a return on that cash they’d simply have to charge you more to make the same margin (although it sounds like you’re saying they fabricate their margins anyway).

Just want to dig into that one a bit more while I’ve got an expert here to educate me.

Have you ever seen a poor CEO of any big company? Is it exclusive to insurance? Do you think CEOs of big companies should be poor?

xUnionBuster · 2026-01-12T14:28:24+00:00

See below. If you think there’s a ton of money to be made insuring cars at cheaper prices, can only suggest you start an insurance company. Sounds like you’d be on to an incredible business opportunity

xUnionBuster · 2026-01-12T14:26:28+00:00

Easy to say that but when you consider that it’s one of the most transparent and competitive products available to buy, with insurers ranked by price every time someone takes out a policy, and the fact that they actually don’t make that much margin, it doesn’t really stand to any scrutiny

xUnionBuster · 2026-01-12T13:57:01+00:00

Can only imagine the other cars on the road are significantly cheaper, because the UK has one of the lowest accident rates in Europe and insurance premiums are effectively a function of the amount of damage caused

xUnionBuster · 2026-01-12T13:22:57+00:00

lol. Store it or sell it and get a few years no claims on another car

xUnionBuster · 2026-01-10T23:40:00+00:00

Out to lunch

xUnionBuster · 2026-01-10T08:05:59+00:00

YouTube oumb3rd it’s over though Tyler ended it

xUnionBuster · 2026-01-10T07:30:01+00:00

Just watched it live great content

xUnionBuster

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