Insurance is a JOKE

[AB65]

What about a 440i , obviously it is never going to be an M car but they can get a bit of a hustle and will be much more friendly to insure (i am £350 FC to insure mine)



80% of the M4`s straightline performance / 60% of the purchase price and 50% of the running cost , plus they fly below the radar as they look like a 420d but with two exhausts.

K

Could'nt agree more! Had a 440i, approx 1 second 'slower' and realistically, better ride than M4 + lower service and insurance costs!!

 

[renault12ts]

Last year £398, got a renewal quote of £786. Eventually, through a comparison site, I settled on Admiral at £347.
Bit of a result!

A year on, with no prompting Admiral renewing at £327...

 

[ChrisHGTV]

Groan…just got our house insurance renewal through - up to over £1500 from £1050 last year. Last year it went up a couple of hundred and I just renewed as I couldn’t be bothered with looking around. This year the increase is quite a lot more. I wonder if they apply an algorithm whereby they load your premium more if you just auto-renewed previously?

Anyone have any recommendations for house cover including quite a few bicycles? With M&S currently…

 

[SpikyMikey]

Groan…just got our house insurance renewal through - up to over £1500 from £1050 last year. Last year it went up a couple of hundred and I just renewed as I couldn’t be bothered with looking around. This year the increase is quite a lot more. I wonder if they apply an algorithm whereby they load your premium more if you just auto-renewed previously?

Anyone have any recommendations for house cover including quite a few bicycles? With M&S currently…

Ours is with Aviva. Last year £309.48. This Year - £309.67.
Robbing gits
Admittedly, no bicycles.

 

[ChrisHGTV]

Ours is with Aviva. Last year £309.48. This Year - £309.67.
Robbing gits
Admittedly, no bicycles.

We actually used Aviva a while back, I had been with them for many years. We then had 6 bikes stolen from the garage at our last house and it took them a year to pay out! Had to fight literally every inch. For instance they offered a £1000 Giant as an equivalent of my custom Ti bike. In the end I had to create a spreadsheet for each bike detailing all the components of the bikes and current retail value and links to retailers etc. we got there in the end though. To be honest I’m sure most insurance companies are the same!

 

[SpikyMikey]

We actually used Aviva a while back, I had been with them for many years. We then had 6 bikes stolen from the garage at our last house and it took them a year to pay out! Had to fight literally every inch. For instance they offered a £1000 Giant as an equivalent of my custom Ti bike. In the end I had to create a spreadsheet for each bike detailing all the components of the bikes and current retail value and links to retailers etc. we got there in the end though. To be honest I’m sure most insurance companies are the same!

It's the same old story; irrespective of how much your premium is, the proof of the pudding is how well a claim is handled...sounds like 'nil points' for Aviva, which is encouraging, not.

 

[ALFAitalia]

Groan…just got our house insurance renewal through - up to over £1500 from £1050 last year. Last year it went up a couple of hundred and I just renewed as I couldn’t be bothered with looking around. This year the increase is quite a lot more. I wonder if they apply an algorithm whereby they load your premium more if you just auto-renewed previously?

Anyone have any recommendations for house cover including quite a few bicycles? With M&S currently…

Bloody he'll Chris.... do you live in a stately home! Just renewed mine at £305.....no bikes...I have cars!....but covers possessions away from home, wife jewellery etc and i live within 250 metre of the sea which loads it... that seems like a lot of dough.

 

[ChrisHGTV]

Bloody he'll Chris.... do you live in a stately home! Just renewed mine at £305.....no bikes...I have cars!....but covers possessions away from home, wife jewellery etc and i live within 250 metre of the sea which loads it... that seems like a lot of dough.

Ha ha, no but the bikes do bump it up quite a bit. The bikes are secure at home but it’s more the coverage when we’re out using them on hols etc. I did look at separate bike insurance but it worked out at 10% value of the bikes - per year! Sigh….heres to a weekend of internet quotes…boo!

 

[Chrishazle]

Just had the renewal for the SLK through from Churchill - slightly less than last year!. However, their quote for the C220 is a joke - 2 1/2 times what I'm getting on the comparison sites - and 70% more than the offered renewal from LV, who've insured it for a few years! It's a bloody minefield. Until now with LV I've also had personal full breakdown cover so we're covered whichever car we're in, but LV now only offer vehicle based cover so that's second reason I will not be renewing with them. Autoaid full perconal cover - just over £80! Mate of mine has been with them for some years and is happy, so that's good for me!

 

[ChrisHGTV]

Just had the renewal for the SLK through from Churchill - slightly less than last year!. However, their quote for the C220 is a joke - 2 1/2 times what I'm getting on the comparison sites - and 70% more than the offered renewal from LV, who've insured it for a few years! It's a bloody minefield. Until now with LV I've also had personal full breakdown cover so we're covered whichever car we're in, but LV now only offer vehicle based cover so that's second reason I will not be renewing with them. Autoaid full perconal cover - just over £80! Mate of mine has been with them for some years and is happy, so that's good for me!

Good shout with autoaid , I’ve been with them for quite a few years. Had to call them out when the Abarth gearbox ate itself. Excellent service.

 

[MSG2004]

It's the same old story; irrespective of how much your premium is, the proof of the pudding is how well a claim is handled...sounds like 'nil points' for Aviva, which is encouraging, not.

I completely agree
As far as I can recall and I've driven and owned a car for just over 45 years, the last 30 odd years, I've only gone
with a big bran name - recent years, Aviva several times, LV a few times, Directline a couple of times and the previous three years
at a fixed price for 3 yrs insurance, it has been with SAGA. I was paying just shy of 300 their top line insurance
This year, a few days ago I renewed with Saga again but not a fixed price as I expect costs to go down
I've always had NCB protected, me and Mrs as named drivers, courtesy car etc inc windscreen cover and excess about 500.

This time the premium was almost 500 - but Aviva, 900-ish - LV a lot more than that and Direct line in between the two
We live in a low risk London area - car is always on the drive and we live in a close.

Recent hit and run - SAGA staff we 100% helpful - best customer service ever - I managed to clean up the marks, it was a 'info only
claim, but a claim nevertheless (I told insurance as police were involved as it was a hit an run.

Avia, another hit and run in 2006 was pretty good but Saga, for me, you can not beat them for customer service nd that is priceless when you need them

 

[ChrisHGTV]

Ha ha, no but the bikes do bump it up quite a bit. The bikes are secure at home but it’s more the coverage when we’re out using them on hols etc. I did look at separate bike insurance but it worked out at 10% value of the bikes - per year! Sigh….heres to a weekend of internet quotes…boo!

Finally sorted new home insurance - I’d forgotten about it and it was due to auto renew tomorrow. Found Halifax pretty good with the bikes covered, for £850/ year which is a big improvement on m&s’s renewal at £1500! The website was easy to use, quite a few others wanted me to call which I just couldn’t be @rsed with.

As the bikes tend to bump it up I took the trouble to work out the replacement cost. No small feat as none are off the peg. Just as well really as I had underestimated by quite a margin. It really brings home the effect of inflation the last few years!

 

[MrGreedy]

Finally sorted new home insurance - I’d forgotten about it and it was due to auto renew tomorrow. Found Halifax pretty good with the bikes covered, for £850/ year which is a big improvement on m&s’s renewal at £1500! The website was easy to use, quite a few others wanted me to call which I just couldn’t be @rsed with.

As the bikes tend to bump it up I took the trouble to work out the replacement cost. No small feat as none are off the peg. Just as well really as I had underestimated by quite a margin. It really brings home the effect of inflation the last few years!

This is the reason why, despite being able to afford a mint bike (which I use at least once week EVERY week of the year) I only own cheaper sub £500 (second hand) bikes.


I really really want a Whyte 909 with Pike forks, but the insurance hike is utter ^£&÷[×^£:÷,**

And they are only circa £1k secondhand

 

[ChrisHGTV]

This is the reason why, despite being able to afford a mint bike (which I use at least once week EVERY week of the year) I only own cheaper sub £500 (second hand) bikes.


I really really want a Whyte 909 with Pike forks, but the insurance hike is utter ^£&÷[×^£:÷,**

And they are only circa £1k secondhand

You can get some great bargains second hand. Quite a few years ago I built up a Yeti 575 based around a second hand frame and Revelation fork , my existing hope wheels and new everything else. Saved a lot over new though I did replace all the bushes on the frame and seals in the fork. I enjoy that stuff though.