Car insurance Rant!!!!

[Spannaz]

Recently renewed my car insurance, and now have decided to change cars, so did the usual thing and called my new company.
To change the car it will put up my insurance by £300!!!

So i go onto their website and do the quote, my current premium for the year is £462, the new car is £489???

So i call them back, bearing in mind my policy is under 30 days so i have already paid a deposit of £112.50, they tell me i can not transfer onto this new quote, and will have to cancel my policy. This will mean a cancellation charge of £91.53, then on my new policy i will have to pay a £29.50 legal expenses charge that i have paid on my old policy and then pay them another £20 on the new policy to setup a new direct debit. NONE of this is transferable. Seems they have you by the bolloxs no matter which way you turn!!
Sorry rant over i feel better now, still poorer!

[BiG-T]

To add insult to injury everybody's insurance has gone up 30% this year this is to cover the additional claims being put in for whiplash etc. These come about from the Ambulance chasers buying the claimant list's off the insurance companies then contacting the claimants and encouraging them to take out a no win no fee nonsense claim against the insurance companies, the same ones that they have just bought the list's off!! Somebody has to pay for it guess who that is?

[happychopper]

I sympathise..... £254 for 6 months road tax in a 1300cc car...... rip of Britain again!

[brin]

Dont know who you are insured with but when i changed my 10year old 1.8sport laguna to a 1 year old 1.9 disel scenic there was no extras to pay it was just a strait swop.


[QUOTE=Spannaz;688186]Recently renewed my car insurance, and now have decided to change cars, so did the usual thing and called my new company.
To change the car it will put up my insurance by £300!!!

So i go onto their website and do the quote, my current premium for the year is £462, the new car is £489???

So i call them back, bearing in mind my policy is under 30 days so i have already paid a deposit of £112.50, they tell me i can not transfer onto this new quote, and will have to cancel my policy. This will mean a cancellation charge of £91.53, then on my new policy i will have to pay a £29.50 legal expenses charge that i have paid on my old policy and then pay them another £20 on the new policy to setup a new direct debit. NONE of this is transferable. Seems they have you by the bolloxs no matter which way you turn!!
Sorry rant over i feel better now, still poorer![/QUOTE]

[Mark_T]

Please name these rogues so we can avoid them in future.

[Cagey]

Damned if you do, damned if you don't. Not that I advocate it, but I can understand why some youngsters today don't bother with any insurance at all. It's getting cheaper to pay the fine if you get nicked than pay the ever rising premiums. Wouldn't be so bad if the companies honoured the contract and payed up on legitimate claims, but do the bu**ers ever wriggle out of it.

[Bradster]

Beware of using your card when purchasing insurance. I did this last year with a certain motor cycle insurer and my renewal for this year had gone up by a ridiculous sum. I contacted them and they were unable to give me sensible quote so I informed them that I was going elsewhere, which I did. Unknown to me they still took the money from my account and I wasn't aware of this until my credit card statement came through 3 weeks later. I never received a new policy from them as this would have set alarm bells ringing. I contacted them and at first they said I would have to pay a cancellation fee and charges for a month's insurance I never had or wanted! Also they said they would have to listen to taped conversations of my earlier call, to clarify what was said. I was proved right in the end as I got my money back but not without a fight and several phone calls and letters later.

[Mslater]

Just had something similar, thought the broker was being rather unfair because they got the policy wrong then charged me to correct it. I'd had the policy 3 weeks by the time this all came to light and by then it was passed the 14 day cancellation. The thing is I only got the confirmations on the 14th day so now its going to cost £285 to cancel and re-arrange.

I've written to the ombudsman coz the broker is a T*sser

[skyking]

[QUOTE=Spannaz;688186]Recently renewed my car insurance, and now have decided to change cars, so did the usual thing and called my new company.
To change the car it will put up my insurance by £300!!!

So i go onto their website and do the quote, my current premium for the year is £462, the new car is £489???

So i call them back, bearing in mind my policy is under 30 days so i have already paid a deposit of £112.50, they tell me i can not transfer onto this new quote, and will have to cancel my policy. This will mean a cancellation charge of £91.53, then on my new policy i will have to pay a £29.50 legal expenses charge that i have paid on my old policy and then pay them another £20 on the new policy to setup a new direct debit. NONE of this is transferable. Seems they have you by the bolloxs no matter which way you turn!!
Sorry rant over i feel better now, still poorer![/QUOTE]

My insurance was up so got a letter to renew it and its gone from £28.00 per month to £48.98 per month same company same car.dont know how the hell they work it out,I thought as the years go on and the more no clames bonus you get the cheaper it would be, guess am wrong

[Dashik]

[QUOTE=Cagey;688284]Damned if you do, damned if you don't. Not that I advocate it, but I can understand why some youngsters today don't bother with any insurance at all. It's getting cheaper to pay the fine if you get nicked than pay the ever rising premiums. Wouldn't be so bad if the companies honoured the contract and payed up on legitimate claims, but do the bu**ers ever wriggle out of it.[/QUOTE]


No, sorry, cost is not an excuse to not have appropriate insurance. Driving without insurance is not a trivial offence.

Shop around and if you cant afford it don't drive end of. I'm not working currently and can't afford it so I don't have a car. Simple! I walk or get the bus. Pain in the bum but that's the way it is, Drivings a privilege not a right.

Its only cheaper not to have insurance if you get nicked or if you've not hit someone or they don't impound your car. Generally the insurance companies manage to wriggle out of claims due to a failure to disclose info by the policy holder or the cars been modified and not notified or the policy is fronted etc etc.

People driving without insurance want jailed. If you think that's harsh then ask yourself what you would do if some muppet hurt you or yours and was not insured. Would you say that's ok, I'll pony up the £'ss to look after my paralised wife as you could not afford the insurance?

People are claiming off others after an accident and why not? If your driving along minding your own business and someone hits you what are you supposed to do?

Is insurance expensive? Yes, that's just the way it is. The companies are not there to pay out there there to make a profit. And profit is not a dirty word.

:rant:

[Mark_T]

Always get a few competitive quotes each year, it is almost never cheaper to renew with your current provider.

Once you have the quotes you can go to your current provider and see if they will match them, often they will so you don't always have to move.

[Cagey]

Woops, got myself flamed there, deservedly so too. You are right of course Dashik, I was just making an observation as to the general mallaise regarding huge premiums. Can't afford it, don't do it, straight !

[Dashik]

[QUOTE=Cagey;688374]Woops, got myself flamed there, deservedly so too. You are right of course Dashik, I was just making an observation as to the general mallaise regarding huge premiums. Can't afford it, don't do it, straight ![/QUOTE]

No I was not flaming you mate :D Just a general reply :D You stated at the start you did not condone it :D I understand why they do, it I just cant abide it.

[Cagey]

[QUOTE=Dashik;688376]No I was not flaming you mate :D Just a general reply :D You stated at the start you did not condone it :D I understand why they do, it I just cant abide it.[/QUOTE]
Thanks for that my friend. Kill 'em all, let God sort 'em out ! :reddevil::biggrinjester:

[Vic.P]

These insurance companies are starting to get as bad as banks for making out-f'in-rageous charges. Lets hope they end up having to pay it all back to their customers one day like the banks are having to with PPI. Might be worth hanging on to all that paperwork, you never know!! :)

I got a renewal quote from my insurer for £416.00 for my Legacy so i did a search online and came up with a quote from Admiral direct for........ wait for it.........£189.00!!!!!
I phoned my current insurer and asked if they could match the quote and if they could, i'd stay with them, the best they could offer was £365.00 and argued that Admiral were giving me a less complete insurance package. I said, all i want is fully comprehensive insurance and being legal to drive on UK roads and i don't need or want an all singing all dancing policy with cover for stuff i'm never likely to need or make a claim for. (I've never made an insurance claim since i started driving in 1981 apart from a windscreen replacement)
But, it appears that fully comprehensive insurance isn't quite as fully comprehensive as it used to be because they've started to break it down into a long list of optional extras like legal cover, etc. and now call it just comprehensive insurance, swindling b*st*rds. Well, i argue that if i'm paying for comprehensive insurance and my policy clearly states that i have "comprehensive" insurance, then if a claim has to be made, then what other possible way is there for making that claim other than going through legal channels..... so why would i want to pay for legal cover as an extra?......well duh!!

Lets hope the ombudsman eventualy gets around to sorting out this bunch of ripoff insurance companies and meat out the same kind of justice to them as the banks have recieved!! :)