Bl**dy Car Insurance !

[Delta7]

Just got er in doors car insurance renewal through and it's nearly £100 more than last year !

And what's worse that if it had'nt been for my card authorisation being refused (as I no longer have the card I used last year) I would have been none the wiser until I got my statement thru !

And even worse still, because it's taken them a week to tell me this, they are going to charge me £6 for the weeks insurance which I'm willing to pay but they then want a £21 admin fee to cancel !

Jesus ! what a rif off, in fact I'm glad it was not authrosised ! Just hope I find something similar to what I paid last year !

Anyone else in the same line of thinking as me, in that if you have not had a claim then at very worse you should expect the renewal price to be the same ?

[Eckchaz]

Count yourself lucky.. My car insurance went up by £150 with no accidents before renewal and I couldnt get it any cheaper!!.. Then some f**king old woman crashed into me the day before it was due (non fault) and it went up by another £100!!.. so thats £250 extra.. not to mention my house insurance by another £50.. We need it but I really hate insurance hikes!!

Stupid fake claims and injury claims and not to mention STUPID insurance companys increase our premuims every year..

Ps. if your wondering why I said STUPID insurance companies.. ask mine.. they gave me a £47K, 10 plate 3.5ltr V6 Merc SLK as a curtousy car!!

[Martind]

Had mine last month and it went up £150, just did my grandads that went up £180 and he doesn't do 5k a year. Did get his down £200 bloody SAGA rip off
If you cant drive in the ice stay home !!!!

[Delta7]

No wonder there's so many out there with no insurance at all !
(I don't condone this of course!)

[Bruinbear]

[FONT=Comic Sans MS][COLOR=blue]Just had my renewal through for £260, so phoned them to see if I could get it reduced and pointed out that it stated £100 voluntary excess. I don't normally pay any voluntary excess. Anyway they said 'No' and if I didn't want any voluntary excess it would be even more ![/COLOR][/FONT]
[FONT=Comic Sans MS][COLOR=blue]I told them politely that I would be taking my business else where. They even wanted to charge a £5 admin fee to renew ![/COLOR][/FONT]
[FONT=Comic Sans MS][COLOR=blue]I've now switched and are paying only £209 full comp with the same cover as before. I hate it when it renewal time. :mad:[/COLOR][/FONT]
[FONT=Comic Sans MS][COLOR=blue]Surely if you have full NCB, no accidents or convictions it should get less each year ? :confused: I used to be a Driving Instructor for many years and then an Examiner, but that makes no difference ![/COLOR][/FONT]

[inferno]

[quote=Eckchaz;552344]

Ps. if your wondering why I said STUPID insurance companies.. ask mine.. they gave me a £47K, 10 plate 3.5ltr V6 Merc SLK as a curtousy car!![/quote]

Which company was that then i want one :P

IIRC most companies remind you a month before its due and then carry on taking payments if you dont reply. I dont see why you should have to pay an admin charge for there screw up though.

Im using Virgin ATM, seem pretty good so far considering ive not been charged admin fees yet changed my car 4 times last year :)

[Eckchaz]

[quote=inferno;552403]Which company was that then i want one :P

IIRC most companies remind you a month before its due and then carry on taking payments if you dont reply. I dont see why you should have to pay an admin charge for there screw up though.

Im using Virgin ATM, seem pretty good so far considering ive not been charged admin fees yet changed my car 4 times last year :)[/quote]

You'll never believe it but its More Than.. its a like for like but based on vehicle group/type.. so I got another Prestige vehicle ;)

They do it every year and hopefully for them, some people, i.e the senior generations just let it carry on at the stupid premuims :puke:

[Dedcalm]

Is renewal not covered by the 14 day cooling off period - as such they cant charge an admin fee etc to cancel the policy...

Like for like is a good thing - you would be pretty hacked off if you drove a 50k merc and they offered an 8k ka or smart or whatever while your non-fault claim repair was being done... I would!

When the wifes scooby got knocked we had a Forester in its place for a couple of weeks, they actually apologised about the courtesy car not being as quick but nothing available in estate form was... lol. Shame they didnt have an RS6 kicking about :D

[electricsceadu]

after years of using a recommended local insurer, the time some t**t hit me they did s*d all
on renewual the ins went skywards, and i hadnt been payed out
they gave all the excuses under the sun
i switched insurers they sorted the claim in 3 days
and when they tried the hike in renewual i booted them out
i now change insurer every two or three years

and the local clowns write to me every year after my car insurance

[JohnJ]

Know all about this carry on!!! I also renewed my insurance a few weeks ago and faced a hike of £80 :(

I called them to ask what planet they were on and clarify that I'm one of the soft sods that pays in full every year and "Touch Wood" hasent claimed in eons!

The reply was my insurance has to go up to cover the extensive number of claims filed last winter during the snow and ice chaos!

Oh well that's OK then of course I don't mind making good the share holders profits because so many other people had to make claims!

I sort of understand the scum bags that stick the fingers up at the law and say "Sod You"! I mean what do they get when caught repeated slaps on the wrist and further driving bans they ignore :svengo:

ggggrrrrrr :banghead:

[electricsceadu]

by the time they have finished with the ins hikes, speed camera's etc
we will see the majority of road users
un-insured, un-taxed, un-licenced and banned
and still driving

they'll get their car crushed and be out driving in another car the same day

look at the ins costs for the youngster, the ins is more than the cost of the car

[choppertastic]

[quote=Eckchaz;552344] they gave me a £47K, 10 plate 3.5ltr V6 Merc SLK as a curtousy car!![/quote]

Nice... it's normally some sh*tty beat up old rust bucket.

[3DBish]

you think you lot got it bad!! i should hopefully be passing my test this year. my insurance for a 1.2L whatever will most definitely be over £1500!! so any donations welcome ;)

[JohnJ]

[quote=3DBish;552591]you think you lot got it bad!! i should hopefully be passing my test this year. my insurance for a 1.2L whatever will most definitely be over £1500!! so any donations welcome ;)[/quote]

Good Point Jack and most of us do feel for you as they tar all young / new drivers with the same brush, there must be a better method whereby all new drivers start with a reasonable premium that sky rockets if they get stopped for any traffic offence!

[shikari_chaos]

Car Insurance is the biggest bain of my life at the moment and i fully sympathise with you!
I was 25 this year so finally got a good drop in price with insurance and bam the financial crisis pushes it back up!
I've got a rare T230 Ford Focus (prototype for the RS) and it is pretty much impossible to get a a sensible quote for just me on the insurance even with no crashes or convictions/points Plus NCD! The silly thing is that the car is Listed on the V5 as a standard 2.0 Zetec so "officially" it could be put down as a standard focus but lets face it If I ever got pulled over or crashed it then BAD TIMES!
I fully respect the Law of the Land and think it's very wrong to drive without insurance but my god it would be great if we could atleast get it at a half sensible price!

(apparently insurance for young male drivers went up 40% this year because they suck at driving and the stats prove it YIKES!)