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I always shop around (Topcashback Compare is a good one to use, and if you take a policy from their compared list you get cashback on it too), and switched the missus' car from Geoffrey last year to RAC this year. Geoffrey's renewal wasnt too much higher (about £50 if I recall) but the RAC one was cheaper and offered everything I needed. Having not made a claim for about 20 years I tended to think all insurers were the same - if you arent claiming then you just go cheap, right?On Tuesday, the Missus was rear-ended by a van at low-ish speed when stationary. No real sign outwardly of damage but we got it checked at the BMW dealer anyway, who found the bumper was cracked. Dangerous in another impact, apparently, as it wont behave as intended. Called RAC Insurance, and I have to say they have been superb. Everything is getting taken care of, including a hire car whilst the repairs are taking place.
Quote from: RobTheRover on February 08, 2019, 12:41:19 pmI always shop around (Topcashback Compare is a good one to use, and if you take a policy from their compared list you get cashback on it too), and switched the missus' car from Geoffrey last year to RAC this year. Geoffrey's renewal wasnt too much higher (about £50 if I recall) but the RAC one was cheaper and offered everything I needed. Having not made a claim for about 20 years I tended to think all insurers were the same - if you arent claiming then you just go cheap, right?On Tuesday, the Missus was rear-ended by a van at low-ish speed when stationary. No real sign outwardly of damage but we got it checked at the BMW dealer anyway, who found the bumper was cracked. Dangerous in another impact, apparently, as it wont behave as intended. Called RAC Insurance, and I have to say they have been superb. Everything is getting taken care of, including a hire car whilst the repairs are taking place. 😂😂😂😂😂😂
All insurance brokers are rip off merchants, last year my car insurance renewal went up to £1200 from £280 the year before, no claims, no incidents, nothing had changed, went on a comparison site and found one for £280 ish again, rang my insurance up, told them what I thought and quoted them the best price I had got, straight away they said they’d match it. I told them to f**k off, for trying to rip me off in the first place
One call have always been ok with me tbh even when i look i look around they tend to be there or as near as damn it intrestingly I drive a toyota hybrid and direct line wont touch it and wont even quote
Quote from: Dagenham Rover on February 08, 2019, 08:39:52 pmOne call have always been ok with me tbh even when i look i look around they tend to be there or as near as damn it intrestingly I drive a toyota hybrid and direct line wont touch it and wont even quote I have RAV 4 Hybrid and DL did me no problem
I have had 2 x Prius and 2 x Rav 4 hybrids - all insured with no problems with Direct Line and PrudentialWhat I am struggling with is the Excess Insurance - which I have never come across - and which did not appear in my quote procedure. All due to my Excess £400 being higher than my annual Premium ?They say if I have a no fault accident (vandalism) I will have to give them that £400 but I thought thats how it worked anyway?If Vandalism damage was £1000 I would pay 400 and they would pay 600 BUT if damage was £500 it would not be worth me claiming and I would pay 400 plus 100 to whoever fixed it ?
Quote from: Donnywolf on February 09, 2019, 07:22:10 amI have had 2 x Prius and 2 x Rav 4 hybrids - all insured with no problems with Direct Line and PrudentialWhat I am struggling with is the Excess Insurance - which I have never come across - and which did not appear in my quote procedure. All due to my Excess £400 being higher than my annual Premium ?They say if I have a no fault accident (vandalism) I will have to give them that £400 but I thought thats how it worked anyway?If Vandalism damage was £1000 I would pay 400 and they would pay 600 BUT if damage was £500 it would not be worth me claiming and I would pay 400 plus 100 to whoever fixed it ? They're trying to sell you an insurance policy for your insurance policy?Bonkers!Presumably you were happy with the excess of £300 in the first place so why would you now want to reduce it by taking out this other policy (which will no doubt have strings attached)?
Every year since driving I've had to shop around for cheaper quotes as my insurance renewal was always higher. I currently work in the accident repair and insurer sector and have worked with all of the main insurers in the UK at one point or another and everyone has told me the same thing when it comes to renewals, they purposely increase it as statistically, you are more likely to claim with each passing year. It's no secret that they price it based on how likely you are to claim. Obviously previous claims, age and area play a large part but the biggest factor is time. You are more likely to claim over a 10 year period than you are over a 1 year period. So for a insurance company, with every year a driver renews without claiming the risk of a claim increases. Therefore it is in the interests of the insurance companies to use low and attractive rates for new customers, and then after a year increase the cost as the odds of that driver claiming increases year on year. If the absolute worst happens and you leave for another insurer, they have already taken money from you for at least a year and haven't had to spend anything on you other than a few letters/emails and a few phone calls. Being no different to the gambling or stocks industries, it's based solely on statistics and loyalty does not weigh the stats in your favour.
Incidentally - following on from that - why does having 2 drivers on your Policy often work out cheaper than just oneThere is only me that drives but this implies adding my Wife (if qualified of course) would make it cheaper insurance - but how does that work given only 1 person can be behind the wheel at any time
Aye but my question was - why would it be cheaper to add an extra personIf its me - its one person - a known risk, but adding another person (also I suppose a known risk) I dont see why they would make it cheaper ?Maybe missing something obvious but I just dont "get it"