insurance rip me off time again

gathy · 14-04-2008, 21:14

how annoying is insurance ?

renewal cost =£550 f comp (more than)

money supermarket.com= £339 tpft (more than cheapest)
confused.com =£359 tpft (more than cheapest again)
beat that quote.com =£379 tptf (more than yet again)
more than direct = £567 tpft (dearer than fully comp renewal wtf?

phoned them up asking for proof of no claims (should be 8 years ncd) they said they will only issue me with 5 years +1 ncb as thats all i declared last year .
did it online and the bloody questioneer said 5 years or more which i ticked.
mothers took my 7 years ncd proof last year so i dont have a copy of it.so when i insure elsewhere what do i tell them as i dont have a clue or proof ?

dakar · 14-04-2008, 21:42

I found all those online insurance quotes a load of ******** mate because half the time it was only for very basic cover and they werent even that cheap

gathy · 14-04-2008, 21:52

its not due yet but (5/5) normally start at the front of the yellow pages and make my way to the back then end up getting it on line as its cheaper as its been for the last 8 year
might be just my luck though

id rather have crap cover and 300 doner kebabs
try it

JohnRS · 14-04-2008, 22:01

Quote:

Originally Posted by gathy

id rather have crap cover and 300 doner kebabs
try it

Well its a damn cheaper than mine will be, and as for NCB mine have just went out the window. LOL, Its a right scam that in it, robin you of 2 years NCB.

gathy · 14-04-2008, 22:04

not robbed me yet im emailing my MP as we speak ,soon as i wipe this chilli sauce of my cake hole

that is

chicken_eyebrow · 15-04-2008, 13:18

Thought with most companies it didn't matter if you had more than 5 years NCD... as long as you had 5 years or more it automatically meant you had "full" NCD i.e. about a 70% discount on your premium.

Mine is 30% discount on premium with 1 years NCD, 40% with 2 years and so on up to 70% with 5 years or more NCD.

Hulk1978 · 15-04-2008, 13:29

I did the wifes insurance last week and they said over 4 yrs was full NCB?
More than was cheapest for me last year when i brought my Okty VRS (30yr old no points 9 yrs NCB) that was through Confused.com

Kylethompson30 · 15-04-2008, 13:46

I found tesco Fully comp but value cover the cheapest (on their website)... was 21 at time with 2 years NCB - £850.

Also found that elephant and admiral were always up there for price - but give tesco cover a try, though the value one doesn't cover the windscreen so be wary for chips!

Traff2003 · 15-04-2008, 13:58

Give Hastings a call they were the cheapest for me £350 fully comb with class 1 business use full ncb and Police Class 1 driver (IAM)

Captain Sisko · 15-04-2008, 14:04

Kwik Fit have been good to me.

They wanted £750 this year and I have 2 years ncb, my prev policy was £700
I got a quote of £640 from the website, rang them and thats the price they honoured.

you could always request another insurance certificate as proof of the ncb or the prev policy details.

woodenspatulas · 15-04-2008, 15:47

Quote:

Originally Posted by Traff2003

Give Hastings a call they were the cheapest for me £350 fully comb with class 1 business use full ncb and Police Class 1 driver (IAM)

have to say ive been with them for years now. if i dont think theyve done well with the quote i just ring round a few places and get a better price, go back and they normally match it

gathy · 15-04-2008, 18:34

thanks for the advice guys and girls will let you know the cheapest for me at the time i get it

LJ_Matt · 15-04-2008, 20:51

It could be worse - I just renewed mine and more than were the cheapest (£343) but I saw my quotes rise £80 this year all because of a stupid old bat who couldn't stick to her side of the road last september and decided to claim on her (and my) insurance.
I didn't claim and my insurer paid out only £126 to hers

- It cost me £140 to replace my wing mirror!
Biggest mistake I ever made was stopping and helping her including cleaning out all the broken glass from where her mirror took out her window - if it ever happened again with no witnesses (as in this case) I'm stuffed if I'd bother to stop and let someone screw my insurance again

14-04-2008, 21:14	#1
gathy Briskodian Join Date: Jul 2007 Location: Leeds Posts: 96 Thanks: 12 Thanked 2 Times in 2 Posts	insurance rip me off time again how annoying is insurance ? renewal cost =£550 f comp (more than) money supermarket.com= £339 tpft (more than cheapest) confused.com =£359 tpft (more than cheapest again) beat that quote.com =£379 tptf (more than yet again) more than direct = £567 tpft (dearer than fully comp renewal wtf? phoned them up asking for proof of no claims (should be 8 years ncd) they said they will only issue me with 5 years +1 ncb as thats all i declared last year . did it online and the bloody questioneer said 5 years or more which i ticked. mothers took my 7 years ncd proof last year so i dont have a copy of it.so when i insure elsewhere what do i tell them as i dont have a clue or proof ? __________________ THE SPLUTTERER LASTEST PREVIOUS CARS 03 S60 T5=54 CLIO 182 02 S40 T4=51 ACCORD TYPE R Last edited by gathy; 14-04-2008 at 21:54.

14-04-2008, 21:42	#2
dakar Briskodian Join Date: Jan 2008 Location: york Posts: 64 Thanks: 3 Thanked 4 Times in 4 Posts	Re: insurance rip me off time again I found all those online insurance quotes a load of ******** mate because half the time it was only for very basic cover and they werent even that cheap

14-04-2008, 21:52	#3
gathy Briskodian Join Date: Jul 2007 Location: Leeds Posts: 96 Thanks: 12 Thanked 2 Times in 2 Posts	Re: insurance rip me off time again its not due yet but (5/5) normally start at the front of the yellow pages and make my way to the back then end up getting it on line as its cheaper as its been for the last 8 year might be just my luck though id rather have crap cover and 300 doner kebabs try it __________________ THE SPLUTTERER LASTEST PREVIOUS CARS 03 S60 T5=54 CLIO 182 02 S40 T4=51 ACCORD TYPE R

14-04-2008, 22:04	#5
gathy Briskodian Join Date: Jul 2007 Location: Leeds Posts: 96 Thanks: 12 Thanked 2 Times in 2 Posts	Re: insurance rip me off time again not robbed me yet im emailing my MP as we speak ,soon as i wipe this chilli sauce of my cake hole that is __________________ THE SPLUTTERER LASTEST PREVIOUS CARS 03 S60 T5=54 CLIO 182 02 S40 T4=51 ACCORD TYPE R

15-04-2008, 13:18	#6
chicken_eyebrow Briskodian Join Date: Mar 2008 Location: Sevenoaks, Kent Posts: 239 Thanks: 8 Thanked 19 Times in 12 Posts	Re: insurance rip me off time again Thought with most companies it didn't matter if you had more than 5 years NCD... as long as you had 5 years or more it automatically meant you had "full" NCD i.e. about a 70% discount on your premium. Mine is 30% discount on premium with 1 years NCD, 40% with 2 years and so on up to 70% with 5 years or more NCD. __________________ Diamond Silver 52 Octavia VRS - AquaPel / Phillips X-treme bulbs / CG-Lock / Bluevision sidelights / TomTom Go 720 / VRS door sills / Nürburgring sticker / Running 188bhp and 179 lbft at 9.9psi... and still standard!

15-04-2008, 13:29	#7
Hulk1978 Briskodian Join Date: Jul 2007 Location: Black Country Posts: 38 Thanks: 3 Thanked 3 Times in 3 Posts	Re: insurance rip me off time again I did the wifes insurance last week and they said over 4 yrs was full NCB? More than was cheapest for me last year when i brought my Okty VRS (30yr old no points 9 yrs NCB) that was through Confused.com

15-04-2008, 13:46	#8
Kylethompson30 Briskodian Join Date: Dec 2007 Posts: 82 Thanks: 2 Thanked 3 Times in 3 Posts	Re: insurance rip me off time again I found tesco Fully comp but value cover the cheapest (on their website)... was 21 at time with 2 years NCB - £850. Also found that elephant and admiral were always up there for price - but give tesco cover a try, though the value one doesn't cover the windscreen so be wary for chips!

15-04-2008, 13:58	#9
Traff2003 I feel the need Join Date: Jul 2003 Location: Manchester Posts: 202 Thanks: 1 Thanked 5 Times in 5 Posts	Re: insurance rip me off time again Give Hastings a call they were the cheapest for me £350 fully comb with class 1 business use full ncb and Police Class 1 driver (IAM) __________________ Race Blue Octavia VRS, dual zone climate jumbo airbox, maxidot display, auto dipping rear view mirror/rain sensor, Light Assist, Reversing Sensors, Sat Nav, fatory fit Bluetooth mobile phone kit (Thanks Stu)

15-04-2008, 14:04	#10
Captain Sisko Friskodian Join Date: Nov 2007 Location: Deep Space 9 Posts: 2,051 Thanks: 40 Thanked 118 Times in 115 Posts	Re: insurance rip me off time again Kwik Fit have been good to me. They wanted £750 this year and I have 2 years ncb, my prev policy was £700 I got a quote of £640 from the website, rang them and thats the price they honoured. you could always request another insurance certificate as proof of the ncb or the prev policy details. __________________ 98 Felicia 1.6 GLXI 110500 miles Clickable for "boring" info

15-04-2008, 18:34	#12
gathy Briskodian Join Date: Jul 2007 Location: Leeds Posts: 96 Thanks: 12 Thanked 2 Times in 2 Posts	Re: insurance rip me off time again thanks for the advice guys and girls will let you know the cheapest for me at the time i get it __________________ THE SPLUTTERER LASTEST PREVIOUS CARS 03 S60 T5=54 CLIO 182 02 S40 T4=51 ACCORD TYPE R

15-04-2008, 20:51	#13
LJ_Matt Light Jockey! Join Date: Jul 2006 Location: Somerset, UK Posts: 671 Thanks: 2 Thanked 10 Times in 10 Posts	Re: insurance rip me off time again It could be worse - I just renewed mine and more than were the cheapest (£343) but I saw my quotes rise £80 this year all because of a stupid old bat who couldn't stick to her side of the road last september and decided to claim on her (and my) insurance. I didn't claim and my insurer paid out only £126 to hers - It cost me £140 to replace my wing mirror! Biggest mistake I ever made was stopping and helping her including cleaning out all the broken glass from where her mirror took out her window - if it ever happened again with no witnesses (as in this case) I'm stuffed if I'd bother to stop and let someone screw my insurance again __________________ Regards, Matt ________________________________________________ Assumption is the mother of all foul ups Now proud owner of a Kawasaki ER-6F too!

Thread Tools
Show Printable Version Email this Page
Display Modes
Linear Mode Switch to Hybrid Mode Switch to Threaded Mode