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Car insurance, that time of year again!

Discussion in 'Get it off your chest' started by sneakysniper, Apr 20, 2014.

  1. sneakysniper

    sneakysniper Donator

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    Location:
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    Just had my renewal qoute from Hastings premier, £387 (paying monthly). Went on go compare for a quick look to see what's about and the same provider comes up with a a figure of £324 but with no mention of the super duper vandalism cover.

    And don't get me started on the no claims discount they have listed, i have about 17/18 years that i cannot prove according to the insurance records due to companies closing/being taken over and archives now out of date etc.
    Managed to get proof i have 12 years, sent that off to Hastings last year. Their renewal letter now says i have 9 years lol. I know some only go up to a maximum of X amount of years but it's very annoying when you lose years you have accumulated! :down:
     
  2. Sam s-o-t

    Sam s-o-t Engaging Member

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    count yourself lucky as mine is £890. insurance will do anything to get out of a payout or lowering the cost
     
  3. Ichabod Armacost

    Ichabod Armacost Donator

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    AS far as I can see, insurance companies haven't got their heads around the idea of continuity and customer retention. They will offer huge discounts for new customers, but the ones they already got can go to hell in a basket! I don't think that most people want to go on the hunt the insurance company best deal every year, it would be nice if they just offered their customers a reasonable renewal quote, or even a discount for staying with them. Motor insurance is a licence to print money in my opinion, they know we have to have it, so they make us pay through the nose for it.

    Don't get me started on uninsured drivers!!!!!:mad:...................However, if motor insurance was more affordable, it's my opinion that there wouldn't be so many of them. In a lot of cases, it's actually cheaper for young drivers to drive around in a uninsured old banger, and lose the car and pay the fines than it is to be insured, summat very wrong with that.
     
  4. darklord

    darklord Can’t beat a tx200 at 30m

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    Location:
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    you get what you pay for i'm afraid. never had an issue with aviva if repairs or payouts required. but it cost me 20 quid a year more.
     
  5. Ichabod Armacost

    Ichabod Armacost Donator

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    It's very true that the cheapest insurance is not always the best, and often isn't, one has to look at what's on offer at the price, I would sooner pay a little more for decent cover than bare bones cheap.
     
  6. Blue Haze

    Blue Haze Well-Known Member

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    Location:
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    We are lucky enough to have more than one car in our household and have found the Admiral multi-car policy keeps insurance costs just this side of sane.

    My car was written off last year whilst my wife was coming to the airport to pick me up on my return from work and Admiral were excellent in settling it all.

    I was in a new car in a couple of weeks, and had a great courtesy car while I waited ,very good service, might be worth considering if it applies to your situation.
     
  7. edtwozeronine

    edtwozeronine Donator

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    Location:
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    I've been driving about 16 years and could only technically claim 9 years with my current insurer. I'd have thought the computer databases of most mainstream insurance companies could hold records from many years back if they programmed them to. It really is a p!ss take how my insurance hasn't really gone down that much considering that technically I have more years of driving experience than my mother who passed her test much later than me.

    However just for comparison I put in her details to confused.com and guess what, she was a good £60 cheaper to insure than me.

    I've doddled around the £250-£270 mark for about the last decade from 25-35 years old and only ever driven/owned small hatchbacks with small engines.
     
  8. Strathrpc

    Strathrpc Keyboard Hero

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    Location:
    Strathpeffer, Highlands, .'s own Country
    Bike insurance renewal up to £130 this year for a 650cc roadster.:(
     
  9. Speed

    Speed Busy Member

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    mines about £800 fc with 9 years ncb, shocking. it would be more in installments
     
  10. Ichabod Armacost

    Ichabod Armacost Donator

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    I have had young lads tell me that they have been quoted a couple of thousand for a half decent hatch back!!! That is just taking the pee! I know all about the statistics, but I think insurance companies are making hay with it.
     

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