Insurance idiocy

[daveb47]

Thought i would get a quote off insurance to change from mercedes slk to volvo 940.Its with green insurance & they want £70 extra plus £30 to change over.

So with them it is over £100 more with 6 years no claim than i have at moment with no no claim with someone else.

Do they make it up as they go along??

[Spiny Norman]

I gave up trying to fathom out car insurance years ago, I just hand over the wedge with gritted teeth.

 

When I swapped the Volvo 240 for the Daewoo recently they wanted another £100 initially, including the admin fee, so I got a bit shouty and eventually it came down to £70. Even so, £70 more to insure a bland cheap saloon which had things like alarm & an immobiliser seemed quite steep.

 

Fast forward to Monday of this week, and I swapped it over again to the new Jag XJ6, and they gave me a refund of £25.

 

I believe the common parlance is. "Go figure....."

[castros_bro]

Just got off the telling bone after 5 calls to insurance. Pug 106 £143 a year but i wanted to add a 2nd driver so that'll be.................................£6-50 less,    If I can get 22 named drivers at -£6-50 then it'll be free

[New POD]

I sold a mini mayfair that was on a classic policy, and they wanted me to pay to cancel the policy with 3 weeks left. Something about the admin fee.  I continued to be insured for a car I no longer owned.

[dome]

Just cancelled said Jags insurance and of the £75 I paid when I got it to add it to the multicar policy I'm getting £54 back after 2 months. Pretty happy with that to be honest!

[Jim Bell]

The same SLK cost me an increase of £200 when I traded up from a T5. (plus £25 admin fee).

They have similar horse power, were of a similar age, in the same insurance group, and nothing else other than the car listed on the policy changed.

 

So, thatll be £225 then.

 

Spin the wheel of insurance!

[Richard]

I had an accident in 2005 which ended up going 50/50. I was dreading the renewal but it came in 30% cheaper.

 

Are there still insurance groups or do they really just make it up as they go along?

[Jim Bell]

 

 

Are there still insurance groups or do they really just make it up as they go along?

 

 

Only all of them, at a guess.

[chaseracer]

In insurance, there is an infinite number of variables - not least the commonsense level and current mood of the call centre phone jockey you're talking to...

[Sigmund Fraud]

Insurance makes no sense whatsoever... As an experiment, I ran a 56-plate tailgating-knob-favourite 120d Sport through one of the comparison websites : cheapest quote was £50 LESS than what I'm paying for my humble, 65HP Megane ! The mind boggles !

[DodgyBastard]

I've had a nightmare with insurance lately asking for all sorts of shit when I took out a policy,I thought photocopies of driving licenses was fair enough but when they asked for a receipt for a car we bought in 2012 I thought they were taking the piss...

Naturally I wrote out a receipt, signed it with my left hand and sent them a photo and haven't heard anything else on the matter. Recently my girlfriend passed her test (she's a named driver on a provisional license) I phoned the insurance company to be informed that I couldn't change the main driver on the policy, I explained the situation and they said yes, that's fine we'll change the details so your girlfriend is on the insurance with a full license.

There's a premium for that of 400 pounds... OK... Yeah, fine whatever, We'll need a deposit of 115 pounds now... Shit Can I pay that at the end of the week? Of course, we'll just put that through for you...

I hung up thinking it was sorted and she was insured, but checking through my emails earlier I found this!

 

 

Thank you for informing us of the material fact change to your policy. I must inform you that the driver in question is no longer insured to drive the vehicle as a full licence holder until an agreed arrangement has been made to pay the additional premium that is now due on your policy.

 

A 7 day notice of cancellation must now be issued due to the information on the policy being incorrect.

 

Please contact us urgently within 7 days to make arrangements to pay this additional premium and to avoid the cancellation of your policy.

 

As per previous correspondence, if we do not resolve this issue within 7 days your policy will be cancelled.

 

 

What the fuck!

[chaseracer]

Insurance makes no sense whatsoever... As an experiment, I ran a 56-plate tailgating-knob-favourite 120d Sport through one of the comparison websites : cheapest quote was £50 LESS than what I'm paying for my humble, 65HP Megane ! The mind boggles !

 

This is because when Tailgating-120d-Cockwomble inevitably rams you up the chuff - having allowed a whole 4mm braking distance - 120d front bumpers are available relatively cheaply, whereas new body shells for Meganes and similar chod are not.

 

And the wnaker's on the company's policy...

[derskine]

My insurance recently charged me £43 in admin fees to swap to another car, that's excluding the actual premium increase.

Guess who I won't be using again after this year.

[laser wheels]

How about this - I pay around £220 for the Sierra fully comp on a classic policy. Playing around with the online calculator I thought I'd see how much it would come down by if I fitted a tracker and immobilser. The premium went up to £1000+.

 

At 26 it was simple. Generally speaking fast cars were more to insure than slower ones. A 1.3 Golf was cheaper than a GTi. Simple, yes?

 

At 36 it is cheaper to get the GTi. I keep seeing cheap runabouts advertised and I think 'oh, that's nice, that would be great fun to bomb about in' then I get the quotes and it's just not worth it. Why pay £500 a year to insure a misery spec Escort when I can insure an XR3i for £130(!) a year fully comp? Pretty much every 80's hot hatch I could insure for sub-£150 but a boring family box is - relatively - silly money. Why pay more to have less fun?

 

I used to work in insurance once, and I understand it's all [lies, damned lies and] statistics and that somewhere someone has calculated that I am less of a risk in Car A over Car B, but it does seem that common sense has been flung out the window along the way.

 

And admin charges are a scam.

[gtd2000]

It's costs almost 50% more to insure my Super Cub 110cc FC than my GSX-R750... 80 quid vs 125ish...mental

 

I decided on 75 quid for TPFT for the Super Cub as a result...