CAR iNSURANCE Recommendations/tips or advice

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Re: CAR iNSURANCE Recommendations/tips or advice

Post by scoobyh123 » Tue Feb 07, 2017 1:33 pm

traineefarmer wrote:8000 miles per year. It wasn't the price that annoyed me with Lancaster. It was the pressure sales.

I don't think those sorts of sales techniques have a place in this day and age.
That's very true - i've had similar from them at times and had a right go at them about it. One helpful "rep" explained their computer system generates the calls so it is possible some people get 2, 3 or sometimes even 4 calls, even after they've taken out a policy! :shock:

As a result, i now "accidentally on purpose" swap two digits of my number when entering it online so i don't get a plethora of sales calls - the good thing with computers is "GIGO" or Garbage In, Garbage Out. Feed them the wrong data and they get things wrong :lol: :lol: hence swapping digits! If i then take out a policy (which i usually do by phoning up and giving them high pressure techniques for discounts! :wink: :lol: ) i usually tell them my correct number, just so the "material facts" are correct.

High pressure sales have had their day IMHO, there is now so much competition that better deals (even if they cost more but are better products) can be found with the click of a moose in seconds. Salesmen now have to be doing it cleaner, better, smoother than the old-fashioned high pressure techniques to get the sales because most people just switch off as soon as any sort of pressure happens. :wink: :D
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Re: CAR iNSURANCE Recommendations/tips or advice

Post by zcar12 » Fri Feb 10, 2017 9:17 am

Apologies if I seem to be hijacking this thread,

Need advice. I shall be taking on a newer car shortly so I will temporarily own two cars. Should I give my current insurer a call to see if they will add another car to my existing policy? Is this likely to be a cheaper option than insuring both car on separate policies? I will be the only driver for both cars. My plan is to run both cars for six months and then sell one or the other, depending on which car is better.

My present car is 25 years old, runs well and has 11 months test left on it. I dont want to sell it until I have tried the newer car and found it to be OK and suits me.

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Re: CAR iNSURANCE Recommendations/tips or advice

Post by scoobyh123 » Fri Feb 10, 2017 10:38 am

My first thought Nick is the best person to answer that question would be your insurance broker. However, if they are simply MGBs (Money Grabbing B.........) then perhaps not!

After thinking a bit more, i think i'd swap your main insurance onto the newer car and then insure your present car on a classic policy, chances are that will be the most cost-effective way.

That's based on my experience of insurance, however everybody has had different experiences, some of them have been "broker-dependent" to get a better deal but that's probably the easiest/cheapest way of doing it. You may even find you can still keep your 25 year old car on a limited mileage policy so you always have a back up car - not all newer cars are as reliable as they'd have us believe! :wink: :D
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Re: CAR iNSURANCE Recommendations/tips or advice

Post by traineefarmer » Fri Feb 10, 2017 1:29 pm

Despite having insured my last three volvos with Admiral (they always seem to offer me the best quote on Swedish tanks) who push their "multicar" policys hard, it has always worked out better for me to insure my second car on a separate policy.
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Re: CAR iNSURANCE Recommendations/tips or advice

Post by scoobyh123 » Fri Feb 10, 2017 3:26 pm

traineefarmer wrote:Despite having insured my last three volvos with Admiral (they always seem to offer me the best quote on Swedish tanks) who push their "multicar" policys hard, it has always worked out better for me to insure my second car on a separate policy.
I got a Multicar Quote from Admiral once. Just for the first car came to more than i was paying for all of them on separate classic policies! :shock:
They then tried "selling" it to me by telling me i'd be saving almost £500 on the second car and nearly £600 on the third. The poor girl didn't get it when i said i couldn't afford to "save" that much! At the time i was paying about £135 on each Rover and about £185 on the last Volvo (first Dogmobile) so all in was paying under £450 which was under half what they wanted for the first car on the Multicar.
Cheers,
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Re: CAR iNSURANCE Recommendations/tips or advice

Post by zcar12 » Thu Apr 27, 2017 10:11 am

I am looking for some advice, following my decision to take my car off the road from end April for a few months. I intend to sorn the car for some work and so claim back a few months tax until the car is ready to go on the road again.

I called my insurer and notified them that my car would be off the road from end April and that I did not wish to renew my policy with them, which runs to 4th May. I decided not to renew, as they made a large increase in my premium. They have now sent me a bill for £48.77p because I am ending my policy 4 days early.

I find myself very annoyed by this demand and I am not minded to pay it. I consider it unreasonable and smacks of them "trying it on" What can I do about this, if anything?

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Re: CAR iNSURANCE Recommendations/tips or advice

Post by mjc9967 » Thu Apr 27, 2017 12:02 pm

Just let it run the extra 4 days? Then bear it in mind next time you are in a position to give your business to someone...
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Re: CAR iNSURANCE Recommendations/tips or advice

Post by scoobyh123 » Thu Apr 27, 2017 12:45 pm

What Mark said! ^^^^^

I've just found myself in a similar situation, when i was selling my Jeep last year, i phoned up to transfer the (2 month old) policy from my Jeep to the Volvo. First i was told i couldn't as the Jeep was on a specialist 4x4 policy but the good news was they wouldn't charge me a cancellation fee if i was taking out another policy with them - which of course i was for the Volvo.
They then advised me that as the policy on the Jeep was only 2 months old, the insurer would charge a hefty cancellation fee but if i let it run another month it would come down considerably.
They way i left it with them was i took out another policy for my Volvo and asked them to cancel the Jeeps policy when it became 3 months old. In between the 2 and 3 month period there was another direct debit payment so when the extra Volvo DD payment appeared i didn't notice for a long time the Jeep DD was still running.

Until now. The Sterling insurance has just renewed and normally they email the docs and of everything is ok, i just let it go through. Had another email saying "Urgent Action Required" which turned out was their way of asking for the mileage declaration.
While on the phone i asked them about my Jeep policy which it turned out was still running! :shock:

Now for the bit that makes all that waffle relevant! The Jeeps policy was cancelled as of yesterday and i don't have anything further to pay as the last DD for the Jeep that went through my account was the last one of the year which ends in June. Because there are less than 2 months to run, i don't get a penny back. If i can find the letter from the DVLA confirming i sold the Jeep in August last year, they might (only might) give me a refund of about £65 for the past 8 or 9 months that i was paying for. Considering i was paying £28/month for the Jeep insurance, that's only about 2.5 months worth of DD payments returned.

All in all i think the insurance industry do try it on. They know we have to have it, they charge what they like and seem to try it on at every opportunity.

Personally i'd let the 4 days run then tell that broker to sling their hook - after you've made sure you can get cheaper and/or better cover elsewhere of course!

As an aside, what i've never really got is how insurers can justify different premiums for different vehicles driven by the same person. Granted repair costs come into it somewhat but i'm no more likely to have an accident in one vehicle or another so why do i have to pay significantly more for one vehicle when i drive it no more than another?
Cheers,
Dave

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Re: CAR iNSURANCE Recommendations/tips or advice

Post by traineefarmer » Thu Apr 27, 2017 1:11 pm

Don't get me started.

I've insured my volvos with Admiral for 9 years. This year they bumped up the renewal by nearly £50.

A quick fiddle on a comparison site showed me I could save £200 by moving to Tesco of all people. I called Admiral and was put through to the retentions team. "Ah yes Sir, you've been with us for 9 years and your loyalty is important to us, let me take some more details and see what special discounts we can apply"...

15 minutes of questions and life history later...

....


....


"I'm please to be able to offer you a discount of..."

(and please bear in mind that I had already told them my quote from Tesco)

....


...."£14.50"


"I'll send you an email to confirm your new renewal details."

"Oh, I don't suppose you want to."

Twenty years of driving and I've never made a single claim*. And yet I've spent far more on insurance than I ever have on cars.

*Actually my first ever insurance claim has just been made to Admiral. They can pay for a new windscreen in the XC90 a week before their policy runs out. :wink:
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Re: CAR iNSURANCE Recommendations/tips or advice

Post by scoobyh123 » Thu Apr 27, 2017 3:36 pm

I think they're politely saying they no longer want your business! Reckon you should scoop up some "cowshed confetti" with a note saying "This is REAL bullsh*t!" :wink: :lol: :D
Cheers,
Dave

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Re: CAR iNSURANCE Recommendations/tips or advice

Post by CHR15E » Thu Apr 27, 2017 5:46 pm

traineefarmer wrote: I've insured my volvos with Admiral for 9 years. This year they bumped up the renewal by nearly £50.
Only £50?

My last few renewals have been several hundred more than the price I've paid the previous year.

My other half's Astra is with Tesco and even then the renewal is far higher than a new quote on their site. So she has to phone up each year and tell them the new quote price to get her renewal lowered to match it.

Like everything these days it doesn't pay to be loyal. We end up shopping around for nearly everything to get better deals.
Chris
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Re: CAR iNSURANCE Recommendations/tips or advice

Post by deano » Thu Apr 27, 2017 6:19 pm

My Astra is with Tesco and it was last year too...
But same as you, the price to renew was higher then a new quote thru compare the market.
I compare insurance every time now regardless
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Re: CAR iNSURANCE Recommendations/tips or advice

Post by CHR15E » Thu Apr 27, 2017 8:17 pm

Because she works for Tesco, she finds the best price from them is actually on their own website.

Not the case of any other company in my experience but works for her. That's not to say they're always the cheapest but when they are that's what she does.

Mine's with them this year as it was £150 cheaper than the Co-op who I was with before.

Never claimed off them yet so can't say if they're actually any good yet or not.
Chris
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Re: CAR iNSURANCE Recommendations/tips or advice

Post by deano » Thu Apr 27, 2017 8:33 pm

One thing I have learned recently about Tesco insurance (and probably others too)

If you add an extra named driver (not a youngster or new driver) you`re insurance goes down.

My quote was reduced by £50 when I added my cousin to the new policy, I didn't even tell him.

He isn't gonna be driving it and has he own full comp insurance anyway.
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Re: CAR iNSURANCE Recommendations/tips or advice

Post by scoobyh123 » Thu Apr 27, 2017 10:00 pm

In most cases that's very true Dean - as long as the other driver is older (usually) as the premium then goes on the more experienced (allegedly!) driver.
Cheers,
Dave

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