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Subject Topic: Car insurances...whinge!
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PersonGram
28/5/2014 at 3:33pm
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Got my renewal notice; went to comparison site to see whether cheaper elsewhere - present company still the cheapest - but £8 cheaper than renewal quote for exactly the same conditions/specification!

Gram

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What's the difference between a chicken?


PersonBob61
28/5/2014 at 8:25pm
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Quote: Originally posted by bnmuk on 28/5/2014
I never have protected NCB because if you have claim I bet your premium goes up a lot,if you then try to change companys the first question is have you had a claim in the last 5 years, I would be interested to hear off somebody where they haven't put the premium up much. It would be nice to hear off somebody where it has worked out to have protected NCB.I have 55 years NCB so would be nice to keep it if the worst happened


That is a very good point re the premium going up even though you have protected NCB...hadn't thought about that. I have no doubt at all that would happen on your next renewal. However, it wouldn't make any difference to changing your insurer as you would still have to tell them you made a claim.

I would be interested to know what insurance company will accept an NCB of 55 years



Personfran1000
28/5/2014 at 8:41pm
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Quote: Originally posted by Bob61 on 28/5/2014
Quote: Originally posted by ST1100 on 28/5/2014Don't forget, one of the biggest factors in Insurance Premiums is the Post Code where you live.


That could well be a factor where I am. Although I live in an area with a very low crime rate generally, there are quite a few beauty spot car parks which occasionally get hit by car thieves, plus there may well be a higher than normal car accident rate on the narrow roads in the area.




OH's son saved £300 by insuring his car from his mother's address. Not sure if that's legal though.



Personarmchaircamper
28/5/2014 at 8:47pm
 Location: Aberdeenshire
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I change insurer every year as someone else is always cheaper than the one I've just been with.

I've just taken out a new policy and found that the documentation had missed out a bit of information which I had given them. They then wanted to charge me an administration fee for correcting their mistake! I don't think so!!

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Sarah


PersonBob61
28/5/2014 at 9:29pm
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Quote: Originally posted by armchaircamper on 28/5/2014
I change insurer every year as someone else is always cheaper than the one I've just been with.

I've just taken out a new policy and found that the documentation had missed out a bit of information which I had given them. They then wanted to charge me an administration fee for correcting their mistake! I don't think so!!


I noticed something similar that could potentially be a problem in a claim. They ask how long you have held a driving licence but then only allow you to tick a box saying 15+ years which I did. Then when the paperwork is printed it shows some obscure date 15 years ago which of course isn't accurate.

They also ask when you bought the car but then only allow you to tick a month and a year. When the paperwork came up it showed the first of that month when in fact I bought it on the 13th I think. So in effect it looks like you have given false information when in fact you filled the online form in accurately.


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Personarmchaircamper
28/5/2014 at 10:38pm
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Well, this was a car modification which I had declared on the comparison website input form. When I decided on the quote I wanted, surely all that information would have gone to the insurer, as that's what the quote was based on.



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Sarah


PersonBob61
28/5/2014 at 10:49pm
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Quote: Originally posted by armchaircamper on 28/5/2014
Well, this was a car modification which I had declared on the comparison website input form. When I decided on the quote I wanted, surely all that information would have gone to the insurer, as that's what the quote was based on.


I discovered that doesn't necessarily happen. Having filled in the comparison website forms it then directs you to the insurers website where they ask all the same questions again plus more. In actual fact, after I had done that the quote from the insurers website came up £1 cheaper than the comparison site had quoted.


Personmichell8
29/5/2014 at 7:56am
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Yes that is a good point. Use the comparison sites to point you in the right direction & print off details of cheapest to hit your existing insurer for a price match but deal with the actual insurer if you want to take out the policy.

The comparison sites don't cover every insurer & most sites are linked to groups of insurers anyway. Some like Direct Line are not on comparison sites.


Personlancscampers
29/5/2014 at 11:31am
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We stayed with More Than this year for the car as we couldn't find anything cheaper on the comparison sites. If I remember rightly More Than's quotes on the comparison sites were actually slightly more expensive than the renewal quote they gave us

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Stuart

Married to ”dianef”


Personrabbitboy
31/5/2014 at 5:31pm
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There are some good tips here
I found Aviva were £13 cheaper than my renewal from Tesco and I got £60 Amazon vouchers. Happy days!

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(\_/)
(='.')
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PersonBob61
31/5/2014 at 8:00pm
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Quote: Originally posted by rabbitboy on 31/5/2014
There are some good tips here
I found Aviva were £13 cheaper than my renewal from Tesco and I got £60 Amazon vouchers. Happy days!


Some good tips there. I saved £40 on my renewal quote and could have had a years breakdown cover but I already have breakdown cover from two other sources so declined the offer. They seem to give breakdown cover away with everything these days.


Personrealbusdriver
01/6/2014 at 8:16pm
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seems to me, that car insurance is the biggest legalised con, my old astravan recently gave up the ghost and had to be scrapped, which meant I had to cancel my ins', then comes the rub, the ins' company want , a cancellation fee for the policy + a direct debit cancel fee + an administration fee ,all of which adds up to almost as much as my original premium.

against my advice my son has just bought a 3 series 2.0L bmw cost of car £1495......he's 32 and although he's only been driving for 2 years but only as a named driver on my policy so hasn't built up any ncb....so he decided to take out his own insurance for the car in his own right.....cost of his all inc' cover £2450

at least Dick Turpin wore a mask

sorry guys rant over

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no tin tent outings booked as yet ,just another cruise in Sept' booked so far


Personmichell8
01/6/2014 at 8:41pm
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Theres no point in cancelling policy, just leave it until it expires. I would agree with high insurance cost for old Beemer though, unless you want to drive fast in a flash motor an old Mondeo will do the job just as well. Is anybody who buys an old Beemer going to service it properly & buy decent tyres for it?



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