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Those darn pesky insurance companies again.
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Twelfth Monkey
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PostPosted: Mon Jun 06, 2011 11:53 am    Post subject:  Reply with quote

Bonus.  Mine's a pint...
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Roadsterstu
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PostPosted: Mon Jun 06, 2011 12:17 pm    Post subject: Reply with quote

I have friends in Canada where, I believe, you must have insurance in place before you can leave the forecourt.  Perhaps Canadian Bacon can correct me if I am wrong?  In any case, they say it is usually very quick and relatively good value compared to here - 15 mins and yo're sorted and ready to drive away.
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Bob Sacamano
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PostPosted: Mon Jun 06, 2011 12:21 pm    Post subject: Reply with quote

Most dealerships now do the free 7 days insurance so they can tax the car and you can drive it off the forecourt, insuring it later at your leisure.
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simonp
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PostPosted: Mon Jun 06, 2011 1:18 pm    Post subject: Reply with quote

Yes and then the company that insured for those 7 days phones you up and tries to sell you the other 358 for some extortionate figure!

I'm currently going through the rigmarole of insurance shopping and it's awful. I can see why many stay put!
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Twelfth Monkey
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PostPosted: Mon Jun 06, 2011 1:34 pm    Post subject: Reply with quote

Mrs 12th's last car was done on the 'seven days free cover' scheme, and they've left us well alone.  And in fairness, their quote for the full year was closer to the best we obtained than most.
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Martin
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PostPosted: Mon Jan 11, 2016 6:38 pm    Post subject: Reply with quote

I'm sure it exists, but I couldn't find a newer thread about insurance companies.

When I swapped my wheels over, Direct Line amended my policy and sent me new documentation free of charge, no hassle getting through either, it was simple.

Lindsay called Admiral and they told her it would be £19.50 to amend the policy, which she complained about but didn't get anywhere.  I did a quick Google for the latest ABI document which details each companies policy and Admiral are down as not requiring a change to the policy.  I sent her the document and she called them again.  They wouldn't budge, so he asked them to confirm it in writing as it contradicts their policy, so she could make a formal complaint.  She went on hold, then they came back and apologised for the mistake and promising to refund the £19.50.

Insurance companies.....  
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Scouse
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PostPosted: Tue Jan 12, 2016 10:34 am    Post subject: Reply with quote

Martin wrote:
I'm sure it exists, but I couldn't find a newer thread about insurance companies.

When I swapped my wheels over, Direct Line amended my policy and sent me new documentation free of charge, no hassle getting through either, it was simple.

Lindsay called Admiral and they told her it would be £19.50 to amend the policy, which she complained about but didn't get anywhere.  I did a quick Google for the latest ABI document which details each companies policy and Admiral are down as not requiring a change to the policy.  I sent her the document and she called them again.  They wouldn't budge, so he asked them to confirm it in writing as it contradicts their policy, so she could make a formal complaint.  She went on hold, then they came back and apologised for the mistake and promising to refund the £19.50.

Insurance companies.....  


Admiral are shit full stop. Remember our kid got reported for no insurance when driving my dad's car, despite the policy docs clearly stating he was insured?
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Martin
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PostPosted: Tue Jan 12, 2016 10:42 am    Post subject: Reply with quote

I don't remember that.   They won't be getting my business next year.
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Scouse
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PostPosted: Tue Jan 12, 2016 2:10 pm    Post subject: Reply with quote

Our kid had business use and 'any other car with the owners permission' on his insurance certificate. Plod pulled him over for using his mobile (he wasn't he was eating a sandwich...). Plod then ran the car's plate, then our kid's plate through their database and came back and said he wasn't insured and reported him for it.
Eventually gets to court (despite sending copies of his insurance certificate and policy docs to the police and cps before hand), show it to the judge telling him it had all been sent before. He turns to the cps bod and asks why are we in court and the cps bod withdraws the case!
Our kid writes & complains to Admiral, who say that although the policy says he's insured to drive any other car, that's not what it means and that's why the database flagged it up....
They still paid his costs and refunded his premiums though.
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Roadsterstu
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PostPosted: Tue Jan 12, 2016 6:21 pm    Post subject: Reply with quote

Scouse wrote:
although the policy says he's insured to drive any other car, that's not what it means and that's why the database flagged it up....


So what does it mean then?!

As for the whole thing going to court, what a farce. I assume most of that could have been sorted before court if Admiral had their shit together.
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JohnC
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PostPosted: Tue Jan 12, 2016 6:27 pm    Post subject: Reply with quote

I'd like the Court to be able to issue a fine (a very large one) against people who don't do their job properly and allowed this to come to Court.

In the same way I would like fines to be issued to HMRC and the full costs of sorting out their cockups levied on them - it might make them much less likely to adopt the pompous attitude, apply some common sense and make less mistakes.
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PR
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PostPosted: Tue Jan 12, 2016 8:19 pm    Post subject: Reply with quote

Annoyingly, Admiral looks like the cheapest so far for my renewal. I need to decide if I stick to my principles and avoid them or sell out and choose them because they're cheap! I guess there's an argument that they're all bastards so you may as we'll choose the bastard that's going to charge you the least and hope you don't need to use them...
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PhilD
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PostPosted: Tue Jan 12, 2016 8:36 pm    Post subject: Reply with quote

PR wrote:
Annoyingly, Admiral looks like the cheapest so far for my renewal. I need to decide if I stick to my principles and avoid them or sell out and choose them because they're cheap! I guess there's an argument that they're all bastards so you may as we'll choose the bastard that's going to charge you the least and hope you don't need to use them...


that's the way I look at it!
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TreVoR
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PostPosted: Tue Jan 12, 2016 8:38 pm    Post subject: Reply with quote

Admiral were very cheap for the TVR, but I couldn't bring myself to go through with it and paid a bit more with Flux.
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Stuntman
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PostPosted: Tue Jan 12, 2016 8:44 pm    Post subject: Reply with quote

Admiral don't like anything on your car that isn't part of the standard spec.  Anything that is an option, even if fitted to the car when it was built in the factory, may not be covered.  

So if, for example, your car has optional seats, optional active suspension, optional alloy wheels, optional sport chrono, optional steering wheel (you get the picture) - these items aren't covered in the event of them needing to be replaced if the car needed repairing.

Suffice to say that I did not renew with Admiral when the balance of my current year's policy expired after buying the Cayman S in 2006.
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Martin
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PostPosted: Tue Jan 12, 2016 8:45 pm    Post subject: Reply with quote

If Admiral weren't already off the list, they would be now!
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gooner
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PostPosted: Tue Jan 12, 2016 9:37 pm    Post subject: Reply with quote

PR wrote:
Annoyingly, Admiral looks like the cheapest so far for my renewal. I need to decide if I stick to my principles and avoid them or sell out and choose them because they're cheap! I guess there's an argument that they're all bastards so you may as we'll choose the bastard that's going to charge you the least and hope you don't need to use them...


Depends how much cheaper. If there's only a tenner in it, then I'd avoid. I'd also be wary of Stunts advice regarding options. Add them in and the premium may not be so attractive.
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PR
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PostPosted: Tue Jan 12, 2016 10:51 pm    Post subject: Reply with quote

I am aware of that sting in the tail with Admiral. On balance I'll probably avoid them. They do insure the MINI though...  
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Andy C
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PostPosted: Tue Jan 12, 2016 11:09 pm    Post subject: Reply with quote

ive probably said it numerous times before but

greenlight, flux and sky are massively cheaper than any other firm for me

You can get additional money off by getting a quote , ringing the other 2 saying ...... Quoted me This , can you beat it


I got it down to £300 (I think) from the original quote of  about £360

Unlimited mods , 10k per year
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JohnC
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PostPosted: Wed Jan 13, 2016 9:13 am    Post subject: Reply with quote

I find the Admiral policy both unbelievable and unacceptable. The whole principle of insurance is that it returns the policy holder to the same position he was in before his loss (my father was a Director in an insurance company so this was regular dinner table talk).

Admiral are basically saying they will do the minimum to get your car back on the road. What happens if you have optioned the 19" wheels, have an accident and they put new 18" wheels on it, or if the airbag has gone off, you get a basic steering wheel replacement instead of the optional sport, heated, alcantara one.

I will make sure that I let as many people know as possible. That is appalling treatment and borders on fraudulent given the basic tenet of insurance.
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Grampa
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PostPosted: Wed Jan 13, 2016 12:37 pm    Post subject: Reply with quote

JohnC wrote:
I'd like the Court to be able to issue a fine (a very large one) against people who don't do their job properly and allowed this to come to Court.

In the same way I would like fines to be issued to HMRC and the full costs of sorting out their cockups levied on them - it might make them much less likely to adopt the pompous attitude, apply some common sense and make less mistakes.


HMRC sent Mrs L a tax demand that included £1800 that she had already paid - they only wanted her to pay it again whilst they tried to find it!

She asked the girl who suggested this, would she be prepared to do it if it was her money - the message got home!

VAT people can be better - I got them to pay for compensation for my hassle and as well as foregoing VAT that I should have paid due to an error with my registration - their attitude of them demanding money soon changed as soon as I asked for them to compensate me for my time in sorting their mistake.

And you're so right about the court thing - it would probably save a fortune.
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gooner
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PostPosted: Wed Jan 13, 2016 12:51 pm    Post subject: Reply with quote

JohnC wrote:
I find the Admiral policy both unbelievable and unacceptable. The whole principle of insurance is that it returns the policy holder to the same position he was in before his loss (my father was a Director in an insurance company so this was regular dinner table talk).

Admiral are basically saying they will do the minimum to get your car back on the road. What happens if you have optioned the 19" wheels, have an accident and they put new 18" wheels on it, or if the airbag has gone off, you get a basic steering wheel replacement instead of the optional sport, heated, alcantara one.

I will make sure that I let as many people know as possible. That is appalling treatment and borders on fraudulent given the basic tenet of insurance.


They no doubt keep it well hidden in their small print only to bring it out when a disgruntled Porsche owner wonders where all those optional extras went!
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Twelfth Monkey
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PostPosted: Wed Jan 13, 2016 2:51 pm    Post subject: Reply with quote

I have used them in the past, will be ensuring that I don't ever in the future.
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PG
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PostPosted: Wed Jan 13, 2016 5:56 pm    Post subject: Reply with quote

JohnC wrote:
I find the Admiral policy both unbelievable and unacceptable.


This. What else can be said. Does that mean that they respray your car in a flat non metallic colout then as well? Course not, so they do set a precedent that optional extras are covered. They just want to small print available to them to cop out of it when it chooses them.        
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Tim
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PostPosted: Wed Jan 13, 2016 6:35 pm    Post subject: Reply with quote

I had an Admiral multicar policy but their renewal quote was ridiculous.
Have moved over to Aviva for half the price.
However, they don't appear to like anything that's remotely sporty so the 370 and M5 have a compulsory £500 additional excess and the Coupe (worth £1k on a good day) has an extra £350
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Stuntman
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PostPosted: Wed Jan 13, 2016 6:37 pm    Post subject: Reply with quote

I'm with Aviva too.  The price for all 3 is very decent, although each car has a £650 total excess.
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Boxer6
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PostPosted: Wed Jan 13, 2016 7:23 pm    Post subject: Reply with quote

Tim wrote:
I had an Admiral multicar policy but their renewal quote was ridiculous.
Have moved over to Aviva for half the price.
However, they don't appear to like anything that's remotely sporty so the 370 and M5 have a compulsory £500 additional excess and the Coupe (worth £1k on a good day) has an extra £350


I had the Legacy and GTI insured with Aviva, for a total excess of £250! The Legacy alone remains at £250, don't know if you'd class either of them as properly 'sporty' or not?
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JohnC
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PostPosted: Wed Jan 13, 2016 8:46 pm    Post subject: Reply with quote

I'm with Aviva too!

Have they cornered the market?
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Boxer6
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PostPosted: Wed Jan 13, 2016 11:06 pm    Post subject: Reply with quote

JohnC wrote:
I'm with Aviva too!

Have they cornered the market?


They have been the best (of a bad lot, before anyone else says it!) for me for a few years now. I've tended to the notion of buying the cheapest cover but with such things as free courtesy car, low excess etc.

Oh, and I would set light to my beard rather than use LV or any of their subsidiaries - shower of utter cnuts the lot of them!!
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Scouse
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PostPosted: Mon Feb 08, 2016 1:17 pm    Post subject: Reply with quote

Just got the insurance renewal from LV for Mrs Scouse's Fiesta - £413!.

Quick look on the meerkats brings up £260!


With LV.

Twats.
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Roadsterstu
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PostPosted: Mon Feb 08, 2016 2:04 pm    Post subject: Reply with quote

Have a friend whose car was taken with keys during a burglary a week and a bit ago. Insurance has courtesy car included. Except, that is, when it's been stolen and not yet recovered. You can get a car once it's been recovered by the police. But only when the insurance assessor has seen it and assessed it's condition. Then and only then will they give a courtesy car. So, it was nicked on a Saturday, found on the following Wednesday and the assessor saw it today. And  now they are just deciding if they can give a courtesy car or not.
Cunts.
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Twelfth Monkey
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PostPosted: Mon Feb 08, 2016 2:15 pm    Post subject: Reply with quote

That's not what you sign up for, is it?  Do you know which company, so we can all mentally black-mark them?
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Roadsterstu
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PostPosted: Thu Feb 11, 2016 8:13 am    Post subject: Reply with quote

Swinton are the broker, AXA are the provider.  She still has no car. She's now borrowed one and given up on the insurance company. I've suggested a fucking huge complaint.
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Chris M Wanted a V-10
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PostPosted: Thu Feb 11, 2016 9:36 am    Post subject: Reply with quote

It's her car. If the police have released it (and it's road-legal) what is stopping her from colecting it?
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PG
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PostPosted: Thu Feb 11, 2016 5:15 pm    Post subject: Reply with quote

Twelfth Monkey wrote:
That's not what you sign up for, is it?


In one sentence that sums up all these insurance issues. When you sign up for insurance (of any kind, not just car) you have a justifiable and reasonable belief that you are doing the right thing and expect to be covered in any situation where some common sense was applied. The old "it's in the small print" excuse to avoid morally and ethically clear cut situations is why the whole industry is viewed with, mostly, contempt.
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Roadsterstu
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PostPosted: Fri Feb 12, 2016 10:12 am    Post subject: Reply with quote

Chris M Wanted a V-10 wrote:
It's her car. If the police have released it (and it's road-legal) what is stopping her from colecting it?


Some light bodywork repairs. Thankfully it wasn't badly damaged.

The issue is, of course, being told that you only get a car once yours has been found and recovered to a garage. I'm only going on what I've been told of course.
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Martin
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PostPosted: Thu Mar 31, 2016 4:26 pm    Post subject: Reply with quote

The renewal has just come through for the Boxster, £415 including upgraded hire car and legal protection and a £400 excess.  The same cover was £388 last year, so I'm pleasantly surprised by the level of increase.  

Lindsay has checked one comparison site so far and the best price for similar cover, but a much higher excess (£800) is £392 with Privilege.   The only problem is the current insurance is with Admiral, so we need to find another option based on the info given above
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PG
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PostPosted: Thu Mar 31, 2016 5:40 pm    Post subject: Reply with quote

Martin wrote:
Lindsay has checked one comparison site so far and the best price for similar cover, but a much higher excess (£800) is £392 with Privilege.   The only problem is the current insurance is with Admiral, so we need to find another option based on the info given above


I had the XF and now the XFR with Privilege. When I has the XF run into when parked they gave a pretty god service. But they do (or did then at least) contract out hire cares to Quindell, which was like dealing with an oiled pig.
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PostPosted: Thu Mar 31, 2016 5:53 pm    Post subject: Reply with quote

It's not just car insurance.

I have M&S home insurance and the renewal premium came in at over a grand. So I stuck all the details through a comparison site and...an identical quote from M&S was around £800.
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Martin
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PostPosted: Thu Mar 31, 2016 6:00 pm    Post subject: Reply with quote

PG wrote:
Martin wrote:
Lindsay has checked one comparison site so far and the best price for similar cover, but a much higher excess (£800) is £392 with Privilege.   The only problem is the current insurance is with Admiral, so we need to find another option based on the info given above


I had the XF and now the XFR with Privilege. When I has the XF run into when parked they gave a pretty god service. But they do (or did then at least) contract out hire cares to Quindell, which was like dealing with an oiled pig.


That's useful to know, thanks.  Need to find out what it goes up to with a more sensible excess.  I was expecting £500, so can't complain too much.
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Alf McQueef
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PostPosted: Fri Apr 01, 2016 9:21 am    Post subject: Reply with quote

PG wrote:
Twelfth Monkey wrote:
That's not what you sign up for, is it?


In one sentence that sums up all these insurance issues. When you sign up for insurance (of any kind, not just car) you have a justifiable and reasonable belief that you are doing the right thing and expect to be covered in any situation where some common sense was applied. The old "it's in the small print" excuse to avoid morally and ethically clear cut situations is why the whole industry is viewed with, mostly, contempt.


Along the same lines, there was a piece in "Which" about travel insurance, pointing out that some suppliers have an excess of, say, £150 in one case, and yet have loads of items like cash where they say you can only claim up to £100. So if you lost a small number of items, there is a good chance your excess would be higher than the amount you can claim. That's just plain fraud in my book!

I would not recommend John Lewis insurance after my experiences. I was surprised that the Jaguar insurance came back as about the same as last year, at a bit under £600 I think it's less, through their approved scheme. I'm amazed - if it was within £100 of last year I was not going to shop around. The C Max has come back as £300 through Swiftcover, not sure if I should take that or shop - its with Swiftcover, who tend to offer good renewals. I tend to focus on price and take the view I'll be shafted and lose money in the event of a fault claim regardless.

Having both the car insurances and my car tax in sync is not ideal, its a good job Feb's pay packet is one of the four "with commission" ones!


Last edited by Alf McQueef on Fri Apr 15, 2016 5:33 pm; edited 1 time in total
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Martin
Nuclear

My Car: BMW 535d M Sport & Boxster 987.2

Joined: 22 Dec 2006
Posts: 14425


Location: Higham Ferrers

PostPosted: Thu Apr 14, 2016 2:34 pm    Post subject: Reply with quote

I called Direct Line this morning to let them know the summer tyres were back (they'll amend the policy docs foc) and after a conversation with someone at work and checking the policy docs, I also told them about the change of role.  The slight title change means they're going to refund me £18, no admin fee.

Feels like there should be a catch.
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Alf McQueef
Supercharged

My Car: XFR / C Max 1.6T Ti

Joined: 05 Jan 2007
Posts: 6827


Location: Winchester

PostPosted: Fri Apr 15, 2016 5:35 pm    Post subject: Reply with quote

I did a multicar policy in the end as both cars needed renewal within 2 weeks of each other. I went with the NFU as they are so well reviewed, it was about £100 less than the existing renewal offers and while I could have saved another £150 or so with the very cheapest out there, it was good cover and a great service in the end.

Having both car's insurance and the tax on mine coming at the same time is not ideal  
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simonp
Supercharged

My Car: is silver again

Joined: 14 Aug 2007
Posts: 7061


Location: Wiltshire

PostPosted: Fri May 20, 2016 1:51 pm    Post subject: Reply with quote

Just got my renewal quote through. Any guesses?
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Washed it!
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cbeaks1
Petrolhead

My Car: C-Max and ST-3

Joined: 18 Jul 2007
Posts: 2329


Location: Yorkshire

PostPosted: Fri May 20, 2016 1:53 pm    Post subject: Reply with quote

simonp wrote:
Just got my renewal quote through. Any guesses?


£3k?
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Big Blue
Nuclear

My Car: Alpina B5 BiTurbo Touring Nr15 (The Gorilla); Yamaha R1 (the Black Whanger); The E46 323i With No Name

Joined: 01 Jan 2007
Posts: 10861


Location: SW1. Back where I belong.

PostPosted: Fri May 20, 2016 2:08 pm    Post subject: Reply with quote

£450?

On the basis I got £12 refunded for the difference between 9 years NCB motorcycle entitlement and the 5 years I declared, I assume I should just crash at will!
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Twelfth Monkey
Nuclear

My Car: B7 RS4 Saloon, A3 Sportback 2.0T

Joined: 23 Dec 2006
Posts: 14462


Location: The Fortress of Ultimate Darkness; that or the pub.

PostPosted: Fri May 20, 2016 2:31 pm    Post subject: Reply with quote

Can't remember what it was before, so doubled?
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simonp
Supercharged

My Car: is silver again

Joined: 14 Aug 2007
Posts: 7061


Location: Wiltshire

PostPosted: Fri May 20, 2016 2:33 pm    Post subject: Reply with quote

£247.47. If I'd known it was gonna be that cheap I'd have bought an S3!
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cbeaks1
Petrolhead

My Car: C-Max and ST-3

Joined: 18 Jul 2007
Posts: 2329


Location: Yorkshire

PostPosted: Fri May 20, 2016 2:58 pm    Post subject: Reply with quote

After a ban? Blimey
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Martin
Nuclear

My Car: BMW 535d M Sport & Boxster 987.2

Joined: 22 Dec 2006
Posts: 14425


Location: Higham Ferrers

PostPosted: Fri May 20, 2016 4:45 pm    Post subject: Reply with quote

cbeaks1 wrote:
After a ban? Blimey


+1. That's astonishing, as they don't usually need much of an excuse to rob you blind.

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