Originally posted by mudskipper
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Previously on "Shock - Car Insurance Renewal less than last year!!"
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Originally posted by Platypus View PostGood lord, for the first time in living memory. £80 cheaper this year!
Are premiums starting to reduce after all the fuss over spurious whiplash claims ?
We'll do without another year
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Top tip:
Just added myself as a named driver to 19yo daughter's policy. Cost - 39p including £35 admin fee - basically if we'd added me when she took out the policy (2 days ago!), it would have been £35 cheaper.
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Originally posted by SueEllen View PostYou are apparently statistically a greater risk because you are more likely to drive in or park in places where people don't pay attention.
Even if you are careful i.e. park quite far from the entrance in supermarkets it doesn't stop people going into you.
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Originally posted by BoredBloke View PostI fail to see how they can see you as being a greater risk when you are clearly not at fault with any part of the accident. Surely that is just taking the pi55.Originally posted by SueEllen View PostYou are apparently statistically a greater risk because you are more likely to drive in or park in places where people don't pay attention.
But it is taking the pi55Last edited by Troll; 14 September 2012, 09:07.
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Originally posted by BoredBloke View PostI fail to see how they can see you as being a greater risk when you are clearly not at fault with any part of the accident. Surely that is just taking the pi55.
Even if you are careful i.e. park quite far from the entrance in supermarkets it doesn't stop people going into you.
I've had a dozy woman reverse into the side of me while I was waiting in a queue to get out of a garage. I've also had 2 people go into the back of me including one guy on a mobile phone in stationary queues of traffic. I would understand if these people were teenagers but they were all around 50.
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Mine's been cheaper every year I bought it. But then I'm 30 so was on the steep part of the risk gradient. And now I don't have a car at all.
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I fail to see how they can see you as being a greater risk when you are clearly not at fault with any part of the accident. Surely that is just taking the pi55.
My car is a 55 plate Mondeo. Its locked in a residents only garage in the flat and in the past 2 months its done, on average, 1 mile a week!!! So its worth fec all, does fec all but becuase the address is London, direct line wanted over £600 I would get shut of it but periodically I have to use it to drive home via Worcester to pick up my son.
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Originally posted by Platypus View PostGood lord, for the first time in living memory. £80 cheaper this year!
Are premiums starting to reduce after all the fuss over spurious whiplash claims ?
Insured with Admiral.
Stopped waiting to turn right in my 4,500 quid year 2000 MR2 roadster
Just passed 17 year old rides straight into the back of it and admits full responsibility, saying he's on his mums multicar policy will I deal in cash.
I go get a quote to repair at the local Toyota garage, they say 1200 quid.
Kids mum says its too much.
Goes to insurace company...
His insurance company call me, begging me to accept 1200 quid for the repair + an extra 800 to spend however I see fit.
I'm very suspicious , so reject it, the guy is unhappy and explains that admiral will ramp the costs up to the tens of thousands and I'll wait ages for my car.
He was spot on - here's what happened.
Within 1 day my car was taken away for repairs at an "approved" repairer
The same day a brand new Alfa Romeo Spider convertible, with 500 miles on the clock as "an equivalent car" charged out, again through an "approved" supplier, for 300 pounds per day.
30 days later, I get my car back, half repaired ....
So I didn't get a good repair, and Admiral managed to fleece 10 grand out of the other insurance company..
Thats why insurance is so expensive, why it needs regulating and also why (in my view) it shouldn't be compulsory (look New Zealand etc).
The final insult was, when it came to renewal, they counted the accident (even though I wasn't as fault) and tried to charge me 300 quid more per year , bringing my premium - with no points / convictions etc to 1400 quid for a year.
Absolute piss take.
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My 6 points stopped counting this year so my premium dropped a fair bit. Both mine and the wife's went down when we added each other as additional drivers to each others car and it's still £400 cheaper than "cheap for the first year then ramp it up" Admiral Multi-car
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Originally posted by amoeba View PostJust got some quotes for my renewal in 4 weeks, and was surprised at how low some of the quotes were. £240 for a Jaguar S-Type R (that's the 400bhp one), me 35 and the wife 32.
And I'm a lot older than you
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Just got some quotes for my renewal in 4 weeks, and was surprised at how low some of the quotes were. £240 for a Jaguar S-Type R (that's the 400bhp one), me 35 and the wife 32.
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Mine went down £50 for naming the Mrs on my policy and hers went down £65 by naming me
Don't understand it but not complaining about it.
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Don't get me started on Insurance Companies
Wifey parked her 1 week old car in Supermarket car park & while she was inside shopping, a dopey driver reversed out of the bay opposite & struck the front end, looked around to see if anyone had seen and promptly drove off!
But 2 guys in a car had witnessed and waited for wife to return, gave the vehicle reg and their details as witnesses.
We waited 24 hours and then went to the police to report an accident ...long story short - police visited the other driver who admitted driving off - said it was a moment of madness & police decided to take no further action - anyway got her insurance details - hire car arranged any it was taken away for it to be repaired; a week later got the vehicle back looking like new & thought no more of it until I came to renew my 4x4 insurance for which the wife is a named driver - they wanted a £55 premium for adding her - even though her accident was a no fault claim they rated -i.e. increased- premiums for any no fault claim!!
Found out subsequently that many insurance companies do the same and I'm currently in discussions to reclaim the the 3 (vehicles in the family) x £55 for future premiums per car for the 5 years that you have to declare any accidents
barstewards
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Originally posted by Platypus View PostGood lord, for the first time in living memory. £80 cheaper this year!
Are premiums starting to reduce after all the fuss over spurious whiplash claims ?
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