Model Boat Mayhem
Mess Deck: General Section => Chit-Chat => Topic started by: tony52 on July 01, 2011, 06:21:08 pm
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Some time ago I advised my car insurers that I would need business cover for use of the vehicle at work - the premium went up.
I recently advised my insurers that I was no longer working, the business cover would longer be required and please remove it from the policy - you guessed it - the premium went up.
Puzzled!!
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Tell them you are now physically dead, see how much that puts up you premium!
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They all take the mick, find another insurer. I use Adrian Flux, find them very good.
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They all take the mick, find another insurer. I use Adrian Flux, find them very good.
Good outfit for "kit cars"! BY.
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Car insurance seems to be essentially thievery at the moment. Along with most of the rest of the financial sector who take every opportunity to relive you of your hard earned cash.
Colin
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According to a man on the radio yesterday 20% of your premium goes to pay for whip lash injuries
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Almost every service - gas, electricity, internet, banking, insurance, mobile phones, you name it runs the same business model:
1: Offer incredible bargains to attract new customers
2: After a while, let the costs drift up
3: Lose some people who are prepared to shop around every year, but retain those people who can't be bothered.
4: Profit!
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A guy I know was insuring his car after a drink drive ban, its a BMW M3. When he informed his insurer that he was going to activate the tracker on his car he was told it would go up from £1800 to £2200, why because cars with trackers are more likely to get stolen. He then informed them he would not use the tracker but would park the car in a garage, insurance went up from £1800 to £2700, why because cars get damamged in garages with things falling on them. Also his neighbours could not see the car and keep an eye on it. So he parks in the road with no tracker and pays £1800 and his car is less secure, go figure >>:-( >>:-( >>:-( >>:-( >>:-( >>:-( >>:-( >>:-(
Brian
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My daughter just passed her test living in London 17 years old no no-claims Toyota Yaris (daddy bought her) 1.0 litre I cannot get anything less than £2700 Fully comp with £750 excess and I only paid £1700 for the car <:( you guessed it daddy had to pay it!
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A guy I know was insuring his car after a drink drive ban, its a BMW M3. When he informed his insurer that he was going to activate the tracker on his car he was told it would go up from £1800 to £2200, why because cars with trackers are more likely to get stolen. He then informed them he would not use the tracker but would park the car in a garage, insurance went up from £1800 to £2700, why because cars get damamged in garages with things falling on them. Also his neighbours could not see the car and keep an eye on it. So he parks in the road with no tracker and pays £1800 and his car is less secure, go figure >>:-( >>:-( >>:-( >>:-( >>:-( >>:-( >>:-( >>:-(
Brian
In my opinion anyone with a drink driving conviction should not be allowed on the road again, he should think himself lucky he could get Insurance whatever the cost.
Uninsured drivers cost legal motorists £1.25bn in 2010 which is pushing up premiums and pricing young drivers and people on low incomes to drive without insurance.
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my last car had Tracker I got a 10% discount and a discount for having it garaged, this new car has trackstar a better version Fitted by BMW it is again thatcham approved but is GPS and linked back to there base I can go on my PC and see where and at what speed the car is going plus all journeys for the last 3 months. again a 10% discount and discount for an alarmed garage. both policies with SAGA.
Peter
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I know a lot of members have a downer on it, but the Daily Mail has an article in it today reporting how motorists get ripped off by the police and their own insurance companies if they have a prang.
It is on their web site if you can not lower yourself to buy the paper O0 O0 O0 O0 O0 O0 O0 O0 O0 O0 O0
Brian
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I don't buy the mail but if it's your thing buy it we all like different papers that is why there are so many sold , I buy a paper now after being told once I should not buy it and found I liked it because there was no news in it.
peter
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Hi all, regarding insurance, I wait for my renewal invitation and then look at the price comparison sites, decide what I want, get the best offer and then go back to my insurance supplier and ask them to match it.
My premiums have been reducing on a like for like basis for the last 3 years on cars (x2) and house.
I did this to Saga for my house insurance (April this year) and they reduced it by £100 on their renewal offer.
Being on a pension cash flow needs to be considered, and I found for instance with Saga that paying quarterly by direct debit was good for both of us.
I found Swintons cash back deal for cars very good as long as you already have a fall back offer to go on and I got my cash back offer 3 months later without having to ask.
I had 2 years with Flux, they were willing to come down but not enough!
We have to have some insurances by law why pay more than you have to!
regards Roy
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(https://s3.amazonaws.com/luuux-original-files/bookmarklet_uploaded/best-auto-insurance-policy.jpg)
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I've just received a notification from one of the very large motoring organisations stating that my insurance is due for renewal (it is not!).
That was one mistake, they also gave a reg. number that I didn't know.
They stated that they would offer me the very best quote from a panel of large insurance firms, this came out at £584. <*<
Considering that I do run a "toy" Scimitar GTE I did read all this waffle carefully. I phoned them (thankfully a free call) and gave them the good news that they had made a mess of the job.
The response was one that made me wonder if anyone was really concerned about obtaining new business. When informed that I currently pay less than a fifth of this amount all that was said was "Oh, do want to be removed from our mailing list then".
The fact that I did not request a quote in the first instance for a car that I do even know makes me wonder.
Even my cat is sitting laughing at this episode of pure stupidity.
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I make a point of avoiding any banks, building societies, insurance companies etc which advertise on TV. Their charges are invariably higher than those which don't, especially when they use Steven Fry and Paul Merton to do the voice-overs.............. :o
Oh, and do check the amount of any monthly Direct Debits you may be paying for gas and electricity. Our electrickery supplier recently advised us that we had built up a credit of over £500 but that they would 'retain this amount to set against future charges'. They helpfully included an estimate of our next 12 months' use, from which I calculated that if we were to continue paying the same monthly amount as we have been then the credit after that 12 months would be well in excess of £1000. Needless to say, a phone call was made and our DD has now been amended downwards by £76/month. Cheeky blighters!
DM
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Oh, and do check the amount of any monthly Direct Debits you may be paying for gas and electricity. Our electrickery supplier recently advised us that we had built up a credit of over £500 but that they would 'retain this amount to set against future charges'. They helpfully included an estimate of our next 12 months' use, from which I calculated that if we were to continue paying the same monthly amount as we have been then the credit after that 12 months would be well in excess of £1000. Needless to say, a phone call was made and our DD has now been amended downwards by £76/month. Cheeky blighters!
DM
Also watch that these gas and electricity don't keep the DD too low. If you build up a substantial debit you can't shop around without paying them this money. Like the previous post from Action, try and keep the DD at the correct level.
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I buy a paper now after being told once I should not buy it and found I liked it because there was no news in it.
peter
Page 3 ? ok2
Please note - this is a JOKE...not a good one but still a JOKE!
Dave.
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Mines gone up £670 since last year (Now £1760), yet im a year older (26). <*<
And who are these robbers? - admiral...
I dont think i'll be a customer any more.
I think its a conspiracy - the government needs money, therefore they got all the ceo's of the insurers into a room and said this - "charge what you like lads and say its because of costs". so they do which benefits them and funds the government in the form of tax!
These people must drink lots of horlicks at night to help them sleep.
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Must admit I'm happy with mine - renewed two cars yesterday and its £100 cheaper than last year with better conditiions.
Under £400 for two 2 litre vehicles on protected policies sounds OK to me
Geoff
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Hi Fatcat, try Liverpool Victoria, I was with admiral, they wanted £698 (BMW 540) for renewal, got it from LV for £468 including extra for monthly payment. Mind you I do have getting close to 50 years on you, however costs nothing to ask.
Syd
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£1760 is a bit high for a Nissan Micra Fatcat.
Regards Ian.
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There appears to be rather a lot of BMW owners on this forum, are they really concerned about the cost of insurance, I gave my Ford Fiesta 1.4 to my grandson now aged 21, he has been driving for 3 years with no
convictions or claims his renewal has just arrived £790 slight reduction on last year from Admiral.
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Do you have third party property insurance available in Ye olde Country?
Can insure a car for about $150 here, covers you for property damage to others, but no cover for your own vehicle, well worth it if your driving a low value car.
Nick
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Yes, but unless you run an old banger, most insurance companies will only offer full comp. Plus there is usually very little reduction in premium.
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There appears to be rather a lot of BMW owners on this forum, are they really concerned about the cost of insurance, I gave my Ford Fiesta 1.4 to my grandson now aged 21, he has been driving for 3 years with no
convictions or claims his renewal has just arrived £790 slight reduction on last year from Admiral.
no just making sure I am fully covered because of the number of *(oops I am not allowed to put stars),people who drive without insurance
Peter
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Yes, but unless you run an old banger, most insurance companies will only offer full comp. Plus there is usually very little reduction in premium.
Glad I live down under then, Insurance still a scam but a somewhat cheaper one, an average comprehensive quote is about 5 times the 3rd party one.
Nick
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£1760 is a bit high for a Nissan Micra Fatcat.
Regards Ian.
Lol, Audi A4 3.0l V6 Diesel actually :D
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Would you insure you for a car like that??
All the "Target" or exotica drivers seem to forget the prospective repair costs of their chosen p**ile extensions, and before the "I drive it because - - - - " screams, it's your choice so don't whinge when someone else takes the option to not massage your vanity. :-)) {-)
Regards Ian.
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My son's (aged 22 now) insurance for his X reg Renault Clio 1.4SI was about £1200 for the first year, then dropped right down to £630 for the second. Though he's the policy holder and principal driver, I'm a named driver and my many years NCD brought the premium down. That also includes full business cover for both of us. Strangely, adding on my daughter (a learner driver aged 25) brought the cost down the first year, but not the second.
The Clio having failed its emissions test big time - needs either a new cat, new ECU or a serious engine overhaul and we're not going to chance it - we just swapped to an 1.8 Mazda MX5. The premium went up, but not by as much as we thought, to about £850.
My own Focus 1.6 cost me £260 this year, the first time it's gone up in years. That's through a broker, but none of the online or phone quotes have got near his deals. And when my car was bumped into while it was parked outside the house, it took one phone call to the broker to get everything sorted.
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Just a little advice, do you all check on the MID site, address below, to ensure that your vehicle is shown as insured. Not so long agio I did a vehicle change then a couple of days later heard on local radio of somebody being stopped by the police because according to MID the vehicle was not insured. Thought I would check mine, not shown as insured, on further checking I found that the vehicle details had been changed but against the old reg number. Took 10 days to sort out, and all that time I could have been stopped for not haveing insurance and according to MID driveing a vehicle with the wrong registration number. Try explaining that away to your local plod, think at the very least you would be takeing a Taxi home and paying to get your vehicle back later. Needless to say I changed my insurance supplier at next renewal and check the MID more than I might need or should have to.
http://www.askmid.com/
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Thank you Syd. Gives peace of mind, that's for sure. :-))
Ken
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Further to Admiral trying to rob me in a violent manner, ive just done a fresh quote through their website and its £350 cheaper!
It left the call handler a little lost for words. All sorted now and in total a £450 saving on what they wanted to charge!
Dan %%
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Be very careful when it comes to car insurance from internet comparison sites. I had had my car for 3 years and the insurance was going up each year so I used one of the comparison web sites. I thought I had filled in all the answers to all questions correctly, I had not even looked at the modifications part of the questionaire and got a quote which I took up. 10 months later my wife purchased a new car and approached the same insurance as myself to get a quote. She was asked is the car modified in any way, her reply was "it's straight out of the showroom, I've only had rear parking sensors fitted". They refused to insure her, she said "my husband is insured with you and he has rear parking sensors on his car". They contacted me that afternoon and cancelled my insurance giving me 5 days grace to sort insurance with another company. I did not realise that fitting a safety option to my car was a modification, I had answered all the questions with the best of intensions when filling in the comparison site.
When I phoned around for a new quote I told all the companies I contacted that I had rear parking sensors fitted, a towbar and electrics, and finally rubber mats. I was told not to be silly and asked "we mean has the engine been modified, have you added alloy wheels or had a body kit fitted". I have none of these as extras.
Alan
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I like you Alan had problems with my insurance company "esure" when my car a KIA Sedona 7 seater was hit and written off, they said I had neglected to mention the modifications made to my car and where considering not paying out, as I had made no modifications at all from when I bought it second hand, it was 4 years old when I bought it with one previous owner I asked them what where the modifications made? their reply was a towbar and tinted windows, when I checked the paperwork I got with the car there was receipts and advertising bumf and various other leaflets and receipts on the original purchase documents the first owner ordered the car to be supplied with a factory fitted towbar and the advertising bumf said all models of Sedona's come with tinted windows, so I could prove the vehicle was altered before I bought it and like you Alan I thought modifications made affected the cars performance by altering the engine,gearbox suspension etc, it took 5 months for me to eventually get sorted, good job I had the paperwork to back me up.
Jimmy
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Hi I think it was last year that Admiral said it was cheaper to have 2 cars on the policy. So having had a quote from Admiral for my CRV I asked about the advantage of putting our other car on as a pair. This increased their quote for my CRV by £10!
regards Roy
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I just had my renewal notice for my 5 year old CR-V. Insured via the AA by a subsidiary of LV, my premium went up from £276 to £376, despite me being a fiftysomething with 11+ years no claims and no changes to my circumstances. That's more than a 70% increase for a car that's now a year older (=lower value) and one more year without claiming - safe bet you'd think!
So I shopped around (via Compare the Meerkat) and got a quote for £306 - still up on last year's but much better. Insured by - guess who? LV! :o
I think they are just plucking figures from the air! >:-o
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Just renewed with More Than. New quote £270. Last year was £212. Comp inc breakdown, recovery, no claims
etc. Phoned and said I didn't want to pay £270. Came down to £250, still too much said I.
Down to £234. Couldn't / wouldn't go any lower. OK, I'll have a think. Went back 2 days later, different person,
managed to get another fiver off.
When I asked why they could reduce the amount now, but not when sending out the renewals, got the usual answer.
"We want to keep our regular customers." If you don't ask, you get trodden on. Not the first time I have done this.
I did a lot of searching before renewing, but although others looked cheaper they didn't offer comparable cover.
Even the OVER 50 sites, I'm well over, :embarrassed: were nowhere near.
BBC 1 tonight, 8.30. Panorama. The Great Car Insurance Swindle.
Alan.
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Why has my post above gone all UNTIDY. >>:-( Nice and neat when I typed it. O0
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You may have used 'Enter' at the end of your line and forced a line break. ok2.
(Or maybe not !!) I just keep typing away and it automatically adjusts to different screen widths.
Hope this helps
Ken
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I'm 19, first time I've insured anything, and it cost me £449 fully comp with driver insurance etc....
Still, if I went to Compare the market I would have got a Meerkat too {-)
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Just renewed with More Than. New quote £270. Last year was £212. Comp inc breakdown, recovery, no claims
etc. Phoned and said I didn't want to pay £270. Came down to £250, still too much said I.
Down to £234. Couldn't / wouldn't go any lower. OK, I'll have a think. Went back 2 days later, different person,
managed to get another fiver off.
Really hard to see what the complaint is, this is less than the cost of insuring our new Dalmation.....
Must admit I am horrified to see some of the sums quoted in this thread for younger drivers. To maybe make you all feel better:
Alfa Romeo 147, 2002, 2L Selespeed, garaged, age 49, full no claims, roughly £400/year (after shopping around) and on top of that a tax of roughly £70/year. The Swedes really know how to tax the **** out of the population....
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I'm 19, first time I've insured anything, and it cost me £449 fully comp with driver insurance etc....
Still, if I went to Compare the market I would have got a Meerkat too {-)
Try insuring a MeerKat %% %% %%
Ned
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You seem to have done very well there Andy - has it got three wheels? :}
Colin
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It's a Unicycle O0 O0 O0
Ned
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Both wrong ;)
It's doing about 80-90 odd to the gallon too, and only costs a tenner to fill up from running on fumes :-))
(http://i288.photobucket.com/albums/ll184/andyn_01/DSC03299.jpg)
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I have just been working out the cost per mile for my Grandsons car 1.4 Ford Fiesta Ghia including Tax, Insurance
MOT & petrol, he is averaging 34.7 MPG average speed 24.4 MPH he does 18 miles a day to and from work,
Cost per mile 46.5 pence per mile not counting maintenance, spares or repairs.
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I bought that bike brand new, taxed it, insured it and bought all the gear for a smidge under £3600...
I had an insurance quote for me to drive a Ford Puma 1.6 for £3800
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Andy MMB
You simply live in the wrong place.
My renewal for my Honda Phantom motorbike cost 700 Baht (14 quid ) last year and 650 baht (13 quid) this year for Tax and Insurance together. Of that Road Fund Tax (or its equivalent) is a whole 100 baht (2 quid). Even on my pension, I can manage that!
Geoff
Thailand
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loving confised .com got my bike insured for 84 gbp fully comp this year :}
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for an astra van 1.7 turbo desel £953 for the year fully comp i am 23 so that may have something to do with it but still takes the mick
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I'm 19, first time I've insured anything, and it cost me £449 fully comp with driver insurance etc....
Still, if I went to Compare the market I would have got a Meerkat too {-)
... and they didn't even give me a bloody meerkat!
... GITS!
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My mate still has a copy of this quote framed
Ford Escort Cosworth (When it was new)
£26,500.... the car cost less to buy
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Paranoia did a good insight into why insurance costs are rising last night, and why they're due to rise even more next year.
Regards Ian
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I have just seen a thing on the TV where a young lad could not afford to insure a car, he was getting rediculous quotes. He wnet and got himself a 1956 Fordson tractor and uses that, insurance was about £70 a year fully comp. Just think of the damage he can do with a vehicle like that.
Alan
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for an astra van 1.7 turbo desel £953 for the year fully comp i am 23 so that may have something to do with it but still takes the mick
In general, like for like, vans cost more to insure than cars, don't know why.
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Hi all, just renewed my car insurance on a Micra. Offered at £217 by Admiral. Tried the usual compare sites and came up with the AA at £67 cheaper which includes roadside b/d cover for free, usual cost £58.
Quite pleased really but while I was waiting I checked out the value of the car (buymycar.com) on line and it came out at less than the £400 excess!
regards Roy
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Roy don't forget their full title should be" We buy any car at the lowest price we can get away with "
Geoff