Originally posted by OwlHoot
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Reply to: Car Insurance Churn
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Previously on "Car Insurance Churn"
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In my experience, ones like Green Flag etc are crap. Because they use local garages mainly its just too hit and miss for my liking.
Was with RAC for years but then I noticed they were offloading a lot to local garages way too often. Had a bad experience when they sent a local garage to tow my car. Rude man who didnt give a toss. Dodgy van with broken seatbelts.
So moved to AA and they've been pretty good. Pay for the top whack cover and its worth it. If your off to client site and you breakdown you want to at least get there and not be arguing or trying to get van to drop you off at train station etc.
I broke down once on way to clients customer to do an important upgrade. Car was knackered. They let me leave car in services to be collected later, towed it home in my abscence, and then let me continue my journey by train. I was late but got there in the end.
Only issue I had was they were supposed to provide a hire car but none of the local depots had any spare which sort of defeats the object. Not exactly middle of nowhere either - it was the west midlands.....
I did have a go at the AA for that. If your supplier can't supply a car at short notice in an emergency (as is always the case with a breakdown) in one of the more populated areas of the UK then change your supplier. If I was in the middle of nowhere then its different (They tried 4-5 depots of said car hire company in 30 mile radius).
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Originally posted by VectraMan View PostI guarantee that when you're sat at the side of the road in the rain you won't care about the money you saved on your breakdown cover.
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Originally posted by psychocandy View PostYep. Had that with them once. Had a right go at them....
Pre-renewal deposit. What a load of bollacks. More like we'll swipe some of your money, make it hassle to get it back, just to convince that you really want to stay with us after all.
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Originally posted by TheCyclingProgrammer View PostI confess I don't really understand how car insurers calculate their premiums and I assume some just give ridiculously high quotes as they don't want business from certain demographics.
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I confess I don't really understand how car insurers calculate their premiums and I assume some just give ridiculously high quotes as they don't want business from certain demographics.
I own a Hyundai so I thought I'd see what kind of insurance quote they'd give me. Bearing in mind the best quotes I've had are in the region of £320 - £450, I've just had a quote for £1900.
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Originally posted by TheCyclingProgrammer View PostNot really because none of my previous insurers have charged admin fees for things like change of details, or at least not at the level that esure charge.
I remember M&S insurance charging me it and I was a bit miffed. Then found out M&S insurance is run by Budget which says it all. Surprised M&S put their name to that.
Admiral, on the other hand, said nah its ok we'll do for free.
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Originally posted by mudskipper View PostJust had that with the AA who took £150 out my account auto-renewing breakdown cover.
Cancelled it and got a refund - they offered to go down to about £80, but found more comprehensive cover for about £35 on comparison website.
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Originally posted by VectraMan View PostHave you considered the reason you now have to pay ridiculous admin charges is everybody driving down premiums by use of price comparison websites?
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Originally posted by gingerjedi View PostI've been with direct line for maybe 10 years, come renewal I get an online quote and get them to match it. I don't really mind as the people who are too lazy to bother keep my premium down.
Crazy that the online system gives lower prices than renewal. Aren't they calculated the same way?
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Originally posted by CoolCat View Postmostly if you get a new quote from your own insurers website it will be cheaper than the renewal quote they send you. you can just ring em up and take the quote from their website if you want.
I've been with direct line for maybe 10 years, come renewal I get an online quote and get them to match it. I don't really mind as the people who are too lazy to bother keep my premium down.
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Originally posted by kevpuk View PostOf course, Swinton take a pre-renewal deposit automatically, which you have to get refunded if you don't renew
Pre-renewal deposit. What a load of bollacks. More like we'll swipe some of your money, make it hassle to get it back, just to convince that you really want to stay with us after all.
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Originally posted by mudskipper View PostJust had that with the AA who took £150 out my account auto-renewing breakdown cover.
Cancelled it and got a refund - they offered to go down to about £80, but found more comprehensive cover for about £35 on comparison website.
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Of course, Swinton take a pre-renewal deposit automatically, which you have to get refunded if you don't renew
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