Any experienced car owner will know that insurance providers place quite a risk rating on professional sportspersons applying what is known in the trade as a “loading” to insurance premiums.
Christiano Ronaldo may have been lucky enough to escape injury to himself or anyone else for that matter as a result of him losing control of his nice, 2 day old Ferrari 599 GTB worth some £200,000 in a tunnel near Manchester airport but it is predicted he will not be anything like as lucky when it comes to arranging his next lot of car insurance.
The AA have stated that following a quick phone around, they have been unable to find any insurer they work with that would insure Ronaldo following his accident saying:
“We cannot find anybody who would touch him with a bargepole”.
“The minimum age to get insured for that car would be 25 and then the best price we could find would be £44,000 but if the person had had an accident that would go up to around £100,000.”
Yes, in all likelihood, there will be an insurer out there prepared to take on the risk and it will more than likely be at a seriously hefty annual premium, and that’s for anyone, let alone a professional footballer.
When thinking about such high profile occupations and the asociated risks, insurers will consider the likelihood of the car owner having passengers occasionally, equally as high profile, and indeed, valuable (in monetary terms) in the car.
Any accident whilst these people are in the car as well and suffer injury could have seriously damaging personal injuries that say result in them being unable to continue playing football at the highest level or even altogether and insurers would be paying out for loss of earnings, sponsors for the player being unable failure to fulfil their contracts etc. The costs will just escalate to astronimcal proportions.
However, even at £100,000 per annum insurance premium, it still equates less than 1 week’s salary he receives from Manchester United for Ronaldo. Add all his sponsorhip incomes and it shouldn’t hurt him financially too much, so he won’t need too much sympathy.
Don’t get too upset Christiano, the bottom line is that a car is only a piece of metal/whatever compound it was made with and can always be replaced, albeit at a price.
Life is far more precious.
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