Insurance is a JOKE

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Annual Abs.

Blimey that’s brilliant

 

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*Comparison Sites

Have you tried Aviva, Direct Line etc? They aren’t on comparison sites.

 

[TC350]

Good luck trying to make any sense of insurance quotes. When I sold my CLK 230K for £2,000 back in 2012, and bought my far more powerful brand new £45,000 C350, my insurance premium reduced by about 20%.

(I don’t think I’ve ever before written a single sentence with so many numbers in it!)

 

[HappytalkAgain]

Have you tried Aviva, Direct Line etc? They aren’t on comparison sites.

Yeah. Tried them all mate. Well worth an hour on the computer with a cuppa and biscuit

 

[clk320x]

Yeah. Tried them all mate. Well worth an hour on the computer with a cuppa and biscuit

Agreed If you buy through compare the market you also get 2 for 1 cinema tickets for a year on Tuesdays and Wednesdays

 

[SpikyMikey]

Agreed If you buy through compare the market you also get 2 for 1 cinema tickets for a year on Tuesdays and Wednesdays

I'd happily swap the cinema tickets for a code that I could punch into Sky to block all their annoying adverts.

 

[MikeInWimbledon]

Good luck trying to make any sense of insurance quotes. When I sold my CLK 230K for £2,000 back in 2012, and bought my far more powerful brand new £45,000 C350, my insurance premium reduced by about 20%.

Perfect example. Folks who can afford a new C350 don't claim as much as people running around in an old CLK230k

And it's not damage to your own car that usually drives the size of a claim, it's the damage you do to others.

 

[ALFAitalia]

Good luck trying to make any sense of insurance quotes. When I sold my CLK 230K for £2,000 back in 2012, and bought my far more powerful brand new £45,000 C350, my insurance premium reduced by about 20%.

(I don’t think I’ve ever before written a single sentence with so many numbers in it!)

Absolutely.........we had that.....but the other way around. My wife chopped her old SLK R170 in for an Merc A170 petrol....so a sporty 2 door folding roof with 197 horses.....for a five door hatch with a mighty 117 horse!!.....premium was £5 MORE......its gone down quite a bit since but seemed a bit mad at the time! They said something about it having five seats...sounded like BS to me.

 

[pmcgsmurf]

Just rang RH Classic Insurance to get them to add a 4th classic to our policy.
All cars company registered owner on V5 but V5 addresses of where they are kept (me and other director etc.)

RH said they cannot insure a car that is not in a persons name on the V5.
We explained they already do 3 and have done for a couple of years, check your recordings, we know what info. we gave you.

Spoke to manager, said no, we made a mistake, 7 days notice to end policy!
What a shower of jokers.

 

[ALFAitalia]

That's pretty standard across most insurers TBH.....cars need to be registered in your name.....which is silly because the registered keeper is not necessarily the legal owner. But I feel sorry for you if you told them in the past and that was OK.....you could well have issues getting cover now. Having a policy withdrawn or cancelled has to be declared and affects the premium quite a bit.

 

[pmcgsmurf]

There in lays one of the problems though, many leased cars will have the finance company on the V5.
To me it should make no difference, the registered keeper is not necessarily the owner and vice versa.

We have many cars all registered to ABC xxx Ltd.
These are all on a fleet policy registered to the company and at the company address.
During Covid and when renewing with Aviva they made us change all the registered addresses to where the vehicle's were now kept (working from home).
Seemed absurd to us!

We've just cancelled some other private policies with RH, they bent over backwards to keep them but stuff that.

 

[Dryce]

That's pretty standard across most insurers TBH.....

I had a lease car a while back. It didn't seem to bother the mainstream insurers I got quotes from at the time.

 

[Dryce]

Having a policy withdrawn or cancelled has to be declared and affects the premium quite a bit.

It depends on circumstances. If it's administrative then it's not an issue.

 

[Dryce]

They said something about it having five seats...sounded like BS to me.

This is normal. SWMBO has had various two seaters and the cost of insurance has typically been a bit lower than my 4/5 seat cars over the years.

It does come down to the potential number of injury/death claimants likely being lower in a serious accident.

The majority of bumps and prangs are minor. The lesser ones will likely have most of the claim value covered by excesses and premium increases. Claim values involving Injuries and deaths are on a completely different cost scale. Having space for a potential single passenger caps part of that risk compared with having space for potentially 1, 2, or 3 passengers.

 

[ALFAitalia]

I had a lease car a while back. It didn't seem to bother the mainstream insurers I got quotes from at the time.

Depends on the lease type PCP and Lease purchase are registered in owners name....straight Lease is usually in lease companies name and covered under the company leasing the cars insurance.

 

[Dryce]

Depends on the lease type PCP and Lease purchase are registered in owners name....straight Lease is usually in lease companies name and covered under the company leasing the cars insurance.

I was referring to a lease and not a PCP or other form of purchase.

I didn't have any problem with getting quotes from mainstream insurers where I declared I wasn't the registered owner.

 

[esscee]

Midday post from Admiral, renewal price for end of September. How Much!!!! Last year £246, this year £445! Did a few online quotes as you do, with most of the them similar. so on the phone to Admiral and after waiting 20+ mins finally a response.
5 mins of discussion, along the lines of "you must be joking" etc., and came back with £316! Silence and shock at my end for a few seconds, before stating yes thank you and send it in print please!
But why o why do we have to go through the same old every time!

 

[SpikyMikey]

Midday post from Admiral, renewal price for end of September. How Much!!!! Last year £246, this year £445! Did a few online quotes as you do, with most of the them similar. so on the phone to Admiral and after waiting 20+ mins finally a response.
5 mins of discussion, along the lines of "you must be joking" etc., and came back with £316! Silence and shock at my end for a few seconds, before stating yes thank you and send it in print please!
But why o why do we have to go through the same old every time!

Because, to put not to fine a point on it, they try it on

 

[Skd884]

Comparision sites are north of £450, online only quote so no option to speak to a human ( tried )




Thanks for taking the time to contact us.



When it comes to your renewal premium, there are many rating factors that we take into consideration and not all of these are to do with solely your own policy information.



Unfortunately, this is the best premium we can provide you with this year, based on the information you have provided. You can review and make changes to your existing cover at any time, to ensure it still meets your needs, unless there are any changes you need to make to your renewal quote, the price will remain as it is. Although we aim to offer you the right level of cover at the right price, we don’t currently price match against our own new business quotes or competitor’s.



I am sorry if this is not the response you were hoping for and if you wish to take your insurance elsewhere, then I have included steps below on how to cancel your policy with us:

• Click here to log into your MyAviva account
• Select your Aviva Online or Aviva Premium policy, then choose Details
• Look for the My Renewals section, then choose Cancel renewal
• Select Reason for cancellation and enter any feedback
• Click Continue

 

[AMGeed]

Son in law had his renewal through yesterday for his Honda Step wagon, written off thanks to an idiot last month

Bike, not Car | Driving/Incidents/Roadrage

Apologies as its not Mercedes related, but had to post this. Never seen anything like it. Enjoy:oops:

forums.mbclub.co.uk

Adrian Flux, his broker, have invited him to renew later this month for the sum of £2600. Last September it was £600.

So not only is he being penalised for a no fault collision, his van is written off, he has been offered £300 less than he paid for it, although he is still being asked to pay £400 excess. As is natural when your down on your luck, to buy a similar van right now would find him having to pay over £2k more than the pay out.

Apart from politicians, the insurance industry must be one of the most morally corrupt institutions in the UK.
Quick to take your money, slow to pay out on claims, low ball offers below the value of the claim.