Insurance time
- Thread starter FF1078
- Start date
gingeh721
Junior Member
- Messages
- 247
I'm 33 yrs old and with privilege ins with 15yrs+ NCB, multi car discount and loyalty discount, parked on the street in Edinburgh City and its £360 with a 5k limit. Just renewed.
Prior to calling them my renewal papers were asking for £811. I dropped the £79 NCB protection as you still have to declare and accidents if they were your fault anyway. Cut the mileage down from 10k -5k, as I now have a runabout car.
last year was £460 with a 10k limit, £79 NCB protection and no multi car.
It's all a big scam. I think they literally just make the prices up and hope people will just accept their offer.
Prior to calling them my renewal papers were asking for £811. I dropped the £79 NCB protection as you still have to declare and accidents if they were your fault anyway. Cut the mileage down from 10k -5k, as I now have a runabout car.
last year was £460 with a 10k limit, £79 NCB protection and no multi car.
It's all a big scam. I think they literally just make the prices up and hope people will just accept their offer.
allandwf
Member
- Messages
- 11,008
I am with Admiral, mine did the same. I was told to try Elephant and they would match the quote, I did , it was lower, they did! No idea why, they are all part of the same company, it seems they just try and get away with as much as possible, then start haggling! I hate insurance companys! ( Not for the Maserati, it's with Mannings. Was for the daily hack.)
highlander
Member
- Messages
- 5,231
Eventually went with Adrian flux. 330 but the agreed value of 14k at least gives me peace of mind over a 100 or so saving with direct line.
MackemExile
New Member
- Messages
- 25
Incumbent Direct Line refused to price match Sainsburys Bank. Which is actually a Direct Line white label operation. Sigh.
FF1078
Member
- Messages
- 1,123
No claims bonus and no claims discount sound the same to me?
CatmanV2
Member
- Messages
- 48,930
Not at all, at least not in my head, but that's a scary place 
Discount means you get it for less than they would have charged you this year, not less than you paid last year.
Since they never tell you what it *would* have cost this year, or if they do, you can't be sure that the figure is simply not reversed, it's all a bit apples and oranges.
Like double glazing: 50% off! Well, when did you sell me double glazing at the original price?
See the argument the inscos use?
C
Discount means you get it for less than they would have charged you this year, not less than you paid last year.
Since they never tell you what it *would* have cost this year, or if they do, you can't be sure that the figure is simply not reversed, it's all a bit apples and oranges.
Like double glazing: 50% off! Well, when did you sell me double glazing at the original price?
See the argument the inscos use?
C
drewf
Member
- Messages
- 7,159
It's all smoke and mirrors.
I know a bit about risk management, and that's broadly what the insurance companies should be doing. However, they simply don't really get it right in a micro-sense. Example - if I insure a very fast car with me as the sole driver, I will pay more than if I add on a woman who has never driven such a car in her entire life, and is openly frightened of even sitting in the car let alone driving it. (* this isn't Susie).
Now, does that sound like sensible risk management? It's nonsense, and they need to be treated like the charlatans they are.
I know a bit about risk management, and that's broadly what the insurance companies should be doing. However, they simply don't really get it right in a micro-sense. Example - if I insure a very fast car with me as the sole driver, I will pay more than if I add on a woman who has never driven such a car in her entire life, and is openly frightened of even sitting in the car let alone driving it. (* this isn't Susie).
Now, does that sound like sensible risk management? It's nonsense, and they need to be treated like the charlatans they are.
FF1078
Member
- Messages
- 1,123
Happy Bunny now
Just called my insurer, Admiral
Complained about paying £596 last year and them wanting £611 this year
Nice lady altered the price of the car from £60000 to £50000 and it dropped a bit to £576 and then said she gave me a loyalty bonus so I've now paid £516.
The lady I spoke to was lovely but the insurance companies are Bar'stewards for trying to have good folks pants down just for profit. I understand we all need to make profit but they are taking the p!ss
Rant over!
Just called my insurer, Admiral
Complained about paying £596 last year and them wanting £611 this year
Nice lady altered the price of the car from £60000 to £50000 and it dropped a bit to £576 and then said she gave me a loyalty bonus so I've now paid £516.
The lady I spoke to was lovely but the insurance companies are Bar'stewards for trying to have good folks pants down just for profit. I understand we all need to make profit but they are taking the p!ss
Rant over!
hoyin
Member
- Messages
- 1,842
With admiral i used to just call them complain and then they would give me a discount. Sometimes I found it cheaper reapplying again on line through one of the cost comparison websites where you got money back.
However with the Masser they won't insure me so that put a spanner in the works! And I had multicar insurance.
Then they decided not to insure my Noble as I changed the intercooler .....
Mega annoying. So now I have 4 separate insurance companies to deal with every year! Compete nightmare.
However with the Masser they won't insure me so that put a spanner in the works! And I had multicar insurance.
Then they decided not to insure my Noble as I changed the intercooler .....
Mega annoying. So now I have 4 separate insurance companies to deal with every year! Compete nightmare.
hi there
i am 46 with full protected no claims but live in the home counties/london and pay £1000 per year for 8k guaranteed mileage, but very very glad of the Aviva people who have been looking after me very well with a courtesy car for the last 3 months since my car over the christmas bank holiday weekend was first scanned and opened and attempted to be started via the diagnostic port, by clever thief no.1 who couldn't defeat the immobilizer, he went away leaving the car unlocked but looking normal from the outside, along comes scroat no.2 and finds car open and decided to break into the glove box with a rusty iron bar, so i come down to find that the dash, glove box, door card and centre console are all torn or broken where he hacked at the glove-box to get it open and find it empty, never mind he cut his hand on the bar, hes caught within days and remanded in wormwood scrubs for 6 weeks then goes to court and is let out as he is given a 6week custodial sentence less time served on remand
currently my car has been with HR Owen since 29th dec with £13k of trim parts on order, i have had a toyota Auris (think its pronounced a-r-s-e) to drive since and the guy who caused the damage lives just two streets away is free with no costs
so i am very glad the insurance guys are footing the bill for the car repairs and 3 months of hire car! well worth the £1000 premium!
tim
i am 46 with full protected no claims but live in the home counties/london and pay £1000 per year for 8k guaranteed mileage, but very very glad of the Aviva people who have been looking after me very well with a courtesy car for the last 3 months since my car over the christmas bank holiday weekend was first scanned and opened and attempted to be started via the diagnostic port, by clever thief no.1 who couldn't defeat the immobilizer, he went away leaving the car unlocked but looking normal from the outside, along comes scroat no.2 and finds car open and decided to break into the glove box with a rusty iron bar, so i come down to find that the dash, glove box, door card and centre console are all torn or broken where he hacked at the glove-box to get it open and find it empty, never mind he cut his hand on the bar, hes caught within days and remanded in wormwood scrubs for 6 weeks then goes to court and is let out as he is given a 6week custodial sentence less time served on remand
currently my car has been with HR Owen since 29th dec with £13k of trim parts on order, i have had a toyota Auris (think its pronounced a-r-s-e) to drive since and the guy who caused the damage lives just two streets away is free with no costs
so i am very glad the insurance guys are footing the bill for the car repairs and 3 months of hire car! well worth the £1000 premium!
tim
D Walker
Member
- Messages
- 9,827
I think I know where an extra £1000 would go - 2 streets away and an iron bar!!!
You could not make that up!
When I lived in London in the 90s the walk to the station in the morning would see cars on bricks and cars with bumpers removed etc etc and that's in an area where you can't buy a house for under £1.25m now. Times have changed!
BigR
Member
- Messages
- 447
Thought I'd bumpty-bump this as my insurance has just come around. Currently with Privilege and paid about £600 last year. This year they've more than doubled the excess to £1750 and increased the price to <insert drumroll> £1600!!!
I asked for a justification for a thousand quid price hike and the chap was quite honest and said "its well above my pay grade to be told these things", but assumed it was down to the perceived risk. Fortunately Admiral are offering it up at slightly less than my current price, in the mid-£500's.
To start what others have, car insurance companies do seem to want to take the proverbial at times.
As a follow on, a friend of mine bought his son a Suzuki Alto to learn on. Insurance was around £500 through Adrian Flux and they specifically said, once he's passed his test get in touch as the premium will come down (amazing for a 17 yr old, but ok you accept what they say). So, he got in touch and the price was over £4000!!! Needless to say he went elsewhere. AF I had heard are meant to be decent, but this is disgustingly sharp practice.
I asked for a justification for a thousand quid price hike and the chap was quite honest and said "its well above my pay grade to be told these things", but assumed it was down to the perceived risk. Fortunately Admiral are offering it up at slightly less than my current price, in the mid-£500's.
To start what others have, car insurance companies do seem to want to take the proverbial at times.
As a follow on, a friend of mine bought his son a Suzuki Alto to learn on. Insurance was around £500 through Adrian Flux and they specifically said, once he's passed his test get in touch as the premium will come down (amazing for a 17 yr old, but ok you accept what they say). So, he got in touch and the price was over £4000!!! Needless to say he went elsewhere. AF I had heard are meant to be decent, but this is disgustingly sharp practice.