Interesting chat.. with my insurer - Page 2

grivas · 31st January 2019, 08:13

Quote:

Originally Posted by Jim Jamieson

It’s always best to do a comparison when your renewal comes in as insurance companies just try it on.

My recent renewal for the Merc was 10% up on last year and after a comparison I saved approx £150

There was some talk about insurance companies being taken to task over this, something like the PPi scandal with banks.

As I have said on numerous occasions before the UK car insurance services are not fit for purpose, the public are being taken for a ride (ha ha), and the whole industry is long overdue for a review, we have all long been paying for the 'GTi' culture of the eighties, so always do a comparison, and forget loyalty.

greendriver · 31st January 2019, 08:22

Quote:

Originally Posted by johnvill73

The best time to get an insurance quote is 21 days before it’s due I watched a programme with Martin Lewis about it .When I tried it I saved £200 when I did a quote for a few days time the price shot up

hope that helps 👍

Another vote for renewing early from me. It pays to do this.

m2n · 31st January 2019, 08:35

In all my 40 years of driving I cannot recall any insurance renewal premium being reduced due to NCB, or for just being a loyal customer. The premiums have always been higher, this was even before comparison web sites were around, even the internet (OMG, I is old). The trouble nowadays is when you get insurance via comparison sites they are always looking for new victims, so offer a reduced premium then when it comes for renewal it suddenly shoots up to mortgage rates.
The AA for example, you can get first time full breakdown cover for about £90..ish Come the renewal it shoots up to full price £240..ish

operamagorum · 31st January 2019, 08:56

Quote:

Originally Posted by Les4048

I’m with the AA for the Rover and last year there was a substantial increase so went on line and found it cheaper so phoned the AA and informed them I’d found a cheaper quote online. They asked who it was so I told them it was the AA

so they matched their own quote

Exact same happened to me with Tesco last year.
This year my renewal premium came in £20 lower than all the comparison sites. Maybe they flagged my file?

ceedy · 31st January 2019, 09:12

This year My Saga policy for the Zed went up 21 quidish for no reason

.

Rang up moaned and straight away got a " Discretionary" 10% off so ended up almost the same as last year

.

then a couple weeks back got an Email saying I had been overcharged by 18 pounds ? and got that paid very soon after ? .

Pass on what went on ?? but this year a fair bit cheaper than last

C.

MSS · 31st January 2019, 10:10

For some strange reason, none of that seems to happen to me.

My Omega has been insured with the RAC for 3 years and each year the renewal price has been a few £ lower than the previous. I had the same experience with LV on the CDT - the renewal price was about the same a the previous year

The renewal for Mrs MSS' Twintop arrived two weeks ago, 4 weeks ahead of expiry, and the increase is about 4% on a price that was very competitive last year.

If it did, I would never barter as that actually is the reason this problem exists - that everyone expects to get a lower price by bartering or complaining. I would simple go elsewhere.

Number 6 · 31st January 2019, 12:11

Quote:

Originally Posted by Les4048

That’s the thing though if it’s a small increase we tend to just renew it. They must be making a fortune off of us

That is what they are in Business for,To extract as much money from us as they can with little or no effort on their part.

roverbarmy · 31st January 2019, 12:17

Make sure that you have a copy of your no claims discount as many companies will ask for documented proof. They are often in attached PDF documents after you renew.

Also make sure that your NCB is transferred if you change.

chillyphil · 31st January 2019, 12:37

Insurance companies are inherently untrustworthy, they manage their employees in a way which coerces them to be less than honest.

The good news is, one day legislation will sort them out.

The bad news is, when that happens and they can't screw careless customers by loading premiums anymore, they will have to screw all of us to make their money!

chillyphil · 31st January 2019, 12:38

That's probably too cynical just feeling put on today!

31st January 2019, 08:35	#13
m2n Gets stuck in Rover 75 2004 Contemporary SE 2.5 Auto Join Date: Feb 2018 Location: Preston Posts: 513 Thanks: 67 Thanked 56 Times in 46 Posts	Never gone down...... In all my 40 years of driving I cannot recall any insurance renewal premium being reduced due to NCB, or for just being a loyal customer. The premiums have always been higher, this was even before comparison web sites were around, even the internet (OMG, I is old). The trouble nowadays is when you get insurance via comparison sites they are always looking for new victims, so offer a reduced premium then when it comes for renewal it suddenly shoots up to mortgage rates. The AA for example, you can get first time full breakdown cover for about £90..ish Come the renewal it shoots up to full price £240..ish __________________ To have and not need, than need and not have. Eve was born on: Tuesday 14th September 2004 @ 07.54.23 Date of first Registration: Friday 24th September 2004 She was the: 103,715th 75 to run off production line, out of 112,381 She was the: 382nd 75 2.5 V6 Contemporary SE to be made out of 686 She was the: 1,415th 75 in Firefrost Red (code CEV) to be made out of 2,089 Firefrost Red 75's

31st January 2019, 09:12	#15
ceedy This is my second home All Trophy Blue ,ZT260#50 , ZT CDTI Auto, ZR105+ and 1.8T Firefrost spoiling the Set . Join Date: Nov 2006 Location: Nr Sherborne But in Somerset.. Posts: 6,075 Thanks: 916 Thanked 1,214 Times in 768 Posts	This year My Saga policy for the Zed went up 21 quidish for no reason . Rang up moaned and straight away got a " Discretionary" 10% off so ended up almost the same as last year . then a couple weeks back got an Email saying I had been overcharged by 18 pounds ? and got that paid very soon after ? . Pass on what went on ?? but this year a fair bit cheaper than last C. __________________ The Three Bloo's Wifey's Zr105, MY CDTI & 260 #50 and Number One sons 1.8T in Firefrost When I were a lad Zero to 142 in 10.25 secs at the Pod on my Blown Norton. 210 Kart Champ in 70's

31st January 2019, 12:17	#18
roverbarmy This is my second home Roverless + 1.7D Sportage Join Date: Aug 2014 Location: East Norfolk Posts: 7,050 Thanks: 729 Thanked 2,021 Times in 1,449 Posts	Make sure that you have a copy of your no claims discount as many companies will ask for documented proof. They are often in attached PDF documents after you renew. Also make sure that your NCB is transferred if you change. __________________ Oil in my veins!

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31st January 2019, 10:10	#16
MSS This is my second home Rover 75CDT, Jaguar XF-S 3.0V6, V'xhall Omega V6 Estate, Twintop 1.8VVT, Astra Estate and Corsa 1.2 Join Date: Dec 2007 Location: Suffolk Posts: 7,083 Thanks: 283 Thanked 624 Times in 440 Posts	For some strange reason, none of that seems to happen to me. My Omega has been insured with the RAC for 3 years and each year the renewal price has been a few £ lower than the previous. I had the same experience with LV on the CDT - the renewal price was about the same a the previous year The renewal for Mrs MSS' Twintop arrived two weeks ago, 4 weeks ahead of expiry, and the increase is about 4% on a price that was very competitive last year. If it did, I would never barter as that actually is the reason this problem exists - that everyone expects to get a lower price by bartering or complaining. I would simple go elsewhere.

31st January 2019, 12:37	#19
chillyphil Gets stuck in MGZT-T Join Date: Oct 2014 Location: Paignton Posts: 618 Thanks: 278 Thanked 90 Times in 72 Posts	Insurance companies are inherently untrustworthy, they manage their employees in a way which coerces them to be less than honest. The good news is, one day legislation will sort them out. The bad news is, when that happens and they can't screw careless customers by loading premiums anymore, they will have to screw all of us to make their money!

31st January 2019, 12:38	#20
chillyphil Gets stuck in MGZT-T Join Date: Oct 2014 Location: Paignton Posts: 618 Thanks: 278 Thanked 90 Times in 72 Posts	That's probably too cynical just feeling put on today!