Car insurance rip off..............

[rossman999]

I have a 14 plate Civic insured via Liverpool Victoria
Me only driving
£10000 personal accident cover
Windscreen cover
guaranteed courtesy car
no claim discount guarantee @ £31.75 on premium
For £377.56
I have been with LV for a number of years now.
Is it worth changing every year? I dont know but having had them deal with a collision about five years ago no paper work involved as the other party took responsibility loan car was on my drive within two hours my car was repaired and on my drive ten days later so they are reliable.
Just have no negotiate the quote down every year but it works out 8-10 pounds increase every year cheap it aint but

£377 for a Honda civic, I am £390 on a Porsche 911 with 15K business miles and two speeding convictions -ops!!!!

I would never pick the cheapest insurance just because its cheap but I do think the companies really stick it to loyal customers at renewal times, having said that you can fit an insurers ideal risk profile for example my wife has been with the same company for about 5 years and no one else can touch them on price.

 

[Wapping]

That is because you live in Falkirk, not Slade Green (where they nick cars and crash them for fun) you dimwit.

You must own the only fucking car in Falkirk.... Oops sorry, your wife has one, too.

 

[g.s.john]

That is because you live in Falkirk, not Slade Green (where they nick cars and crash them for fun) you dimwit.

You must own the only fucking car in Falkirk.... Oops sorry, your wife has one, too.

The only ones nicking cars round here are the DVLA bods filling their car pound in Manor Rd

 

[g.s.john]

That is because you live in Falkirk, not Slade Green (where they nick cars and crash them for fun) you dimwit.

You must own the only fucking car in Falkirk.... Oops sorry, your wife has one, too.

The only ones nicking cars round here are the DVLA bods filling their car pound in Slade green Rd

 

[Wapping]

Twice. It's really bad.

 

[rossman999]

PS Falkirk is the big city -FK4 is well out in the sticks

Still £400 for a civic! that's why you get the big bucks down south

 

[g.s.john]

Twice. It's really bad.

Nope just my poor attempt to edit the first post.

 

[Wapping]

PS Falkirk is the big city -FK4 is well out in the sticks

My point exactly

:beer jug:

It shows the obvious problem when some fellow flags up "I pay two groats" which then only leaves some other bod feeling ripped-off when he's charged 22 groats.

 

[Schtum]

It's ironic - any time I change company the rigmarole of getting a quote gets longer and more complicated and the questions more intrusive. I suppose we have the FCA to thank for that. On the other hand agreeing a figure becomes more and more like barter.

The renewal for my Golf came through last week. Aviva would happily have let the policy renew automatically for the princely sum of £379. So I called up Carole Nash today and after taking details which included my inside leg measurement and my respiratory rate, the guy quoted me £349. Ok, so the current policy includes both my wife and my adult son as named drivers but I'd had a couple of quotes of £160 without them added. I tell the guy from Carole Nash this and he goes off to talk to his supervisor and comes back with a quote of £250. Yeah ok, that'll do. I don't think I can be bothered to go through the same stuff with yet another call centre worker. Think of a number, double it and be prepared to quote less if the customer baulks at the first quote seems to be the way they do it.

 

[Steptoe]

Twice. It's really bad.

Two car pounds.

Try getting a quote in Ireland. JJH

So i tried as you suggested. Flew to Dublin, called my insurance company and guess what ? it's the same bloody price.

 

[piebaps]

It may be steppers but it that was in euros It must be around 4 quid to the euro now.

 

[Neil W]

Mother in law got her car insurance renewal quote today ,(it is due in 10 days time ), car is a 51 plate Nissan Micra restricted to 3000 miles per year , she is 84 years old and has never made a claim in 60 years of driving.

Last year it cost her £250 per year which I still thought was too much, renewal quote this year is £648.09 , I rang them up to ask why it has gone up other than they are taking the p@ss .

Oh, well we will auto renew it unless you tell us otherwise in writing , what a bunch of tw**s

 

[B11RGER]

save yourself money, shop around and get the cheapest , this is the only way to keep these companies on their toes. Even the unknowns are underwritten by a larger company. Ageas used to be Fortis. Every year the larger companies tend to pick a certain criteria , say 'young drivers" in sensible cars. or a couple with a family car and give good deals. Young drivers are favoured at the moment by LV or Direct Line. Companies like Sheilas wheels, Elephant, Churchill are owned by the larger companies. They all tend to have their "approved repairers" because they pay them a shit hourly rate this helps to keep our premiums down. The only problem is the repairers have to cut corners to make money. EXTRA LEGAL COVER for an extra £25.00 or so, tends to be a rip off, with most insurance companies it is only applicable if the accident is not your fault.( read the T's&C's) There are plenty of Non fault companies out there that will do this for you for free. In fact your own insurance company will sell your details to a non fault company if you contact them with a non fault claim. Then you start getting texts and e-mails later on asking if you were injured in the accident you had in the past. Insurance companies even rip each other off when it comes to non fault claims. as they hike all the costs up and then back charge it on to the other company. They get the repairer to inflate their bill. They use a hired car company to supply a car instead of using the repairers courtesy car etc. I would reckon the second answer to this post is the most accurate answer.Its all in the throw of the dice...

 

[N111BJG]

Last year Halifax covered our 61 Plate Mini Clubman for £115 for the whole year, unsurprisingly at renewal that tripled, mainly because SWMBO drove it into the gate post of our new house earlier this year.
Despite her obvious driving inability Aviva liked the look of her, even though she had also drowned a very nice VW Polo in 2014, and offered cover for £165

 

[King Rat]

What do people reckon about the 6-wheel policy Carol Nash offer?

We are hamstrung by the fact Anna is type 1 diabetes, she has to inject 6x a day (and has done injections since she was 7). For that we have the privilidge of paying about triple what anyone else pays, as soon as her name goes on the policy. For instance, we have 17 years NCB, we only get 9 or 10 years of discount, but you get the drift. Both are over 50, driven in this country all our driving lives (since 17). Our friend's son wanted a Ford ST something or other - a souped up hatchback with siomething like 200hp, fancy wheels, seats,boom box etc...he is 21. WHY is our Golf 1.6TD 3x more expensive than his hot hatch with no NCB etc? Loaded dice!

I expect my renewal to be expensive because of my speeding tickets, but Anna has no convictions at all and with just her on th epolicy it is still extortionate (over £900 the cheapest we could find)

 

[Neil W]

Providing she has had no hypos and not had her licence suspended for hypos when driving there should be no reason why any insurer should ramp up her premiums, if they do ask them to justify in writing why they are charging a larger premium and discriminating against her for a percieved disability and see if their attitude changes

What do people reckon about the 6-wheel policy Carol Nash offer?

We are hamstrung by the fact Anna is type 1 diabetes, she has to inject 6x a day (and has done injections since she was 7). For that we have the privilidge of paying about triple what anyone else pays, as soon as her name goes on the policy. For instance, we have 17 years NCB, we only get 9 or 10 years of discount, but you get the drift. Both are over 50, driven in this country all our driving lives (since 17). Our friend's son wanted a Ford ST something or other - a souped up hatchback with siomething like 200hp, fancy wheels, seats,boom box etc...he is 21. WHY is our Golf 1.6TD 3x more expensive than his hot hatch with no NCB etc? Loaded dice!

I expect my renewal to be expensive because of my speeding tickets, but Anna has no convictions at all and with just her on th epolicy it is still extortionate (over £900 the cheapest we could find)

 

[Reggie P]

Neil , (change of subject ) but if anna would like to chat to another girl about using an insulin pump .... just message me . Best wishes

 

[Wonkey donkey]

Providing she has had no hypos and not had her licence suspended for hypos when driving there should be no reason why any insurer should ramp up her premiums, if they do ask them to justify in writing why they are charging a larger premium and discriminating against her for a percieved disability and see if their attitude changes

That will do it they will shit themselves, like it. Using the word discrimating and disability should have the desired effect. Let us know if it works

 

[solidstate100]

That will do it they will shit themselves, like it. Using the word discrimating and disability should have the desired effect. Let us know if it works

I doubt that very much - they will respond with somethig along the lines of "having reviewed the circumstances we conclude that we do not wish to offer cover".......because they dont have to offer cover you know.......its at their sole discretion......

I am ex insurance BTW.

 

[Steptoe]

Woe is me, woe is me... reading back through this thread has boiled all my piss to steam.