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rip-off additional car insurance

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Old Apr 2nd, 2021, 16:17   #21
Rocinante
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This isn't directly related but is about insurance. I just got my windscreen replaced, (screen hit by a stone and cracked) through the insurance. This "doesn't affect my NCB" according to my policy, but I guessing I should still be expecting my policy to rise? It isn't quite due yet.

On the comparison sites, I'll list 13 years NCB, but the then they'll ask have you had any claims, which I'll have to say yes to, which will presumably push the price up.

Anyone got experience ?
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Old Apr 2nd, 2021, 16:46   #22
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Originally Posted by Rocinante View Post
This isn't directly related but is about insurance. I just got my windscreen replaced, (screen hit by a stone and cracked) through the insurance. This "doesn't affect my NCB" according to my policy, but I guessing I should still be expecting my policy to rise? It isn't quite due yet.

On the comparison sites, I'll list 13 years NCB, but the then they'll ask have you had any claims, which I'll have to say yes to, which will presumably push the price up.

Anyone got experience ?
Yes, you don't need to tell them about the glass claim as they already know about it. Your existing insurer should have told you already that it won't effect your NCB and your policy should tell you how many times you can use the glass replacement before it does - usually unlmited. Also it's not a claim as such because it's for the glass, a policy within a policy was how one insurer described it to me, ask your broker/insurer for clarification though.
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Old Apr 2nd, 2021, 21:20   #23
DAN AT ADRIAN FLUX
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Hi.
If you need any help with insurance at all then please feel free to drop me a line.
Regards,
Dan.
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Old Apr 2nd, 2021, 22:24   #24
volvo always
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I am with Admiral Multicar, but will be ditching them as cheaper to insure separately from the 9th.

Wanted £971 for

1996 940 LPT.

Also a 2015 Toyota Auris Hybrid estate.

I have 8 years NCD on Volvo and 2 years on Auris.

No claims/accidents.

Did a comparison site and got:

Volvo 940 £257.00 (ESURE)

Toyota £455.00 (ONE CALL Insurance) Not heard of!

Admirals best after phoning was £850!

Couldn't put Volvo on classic as use it for my Business, so both have business use insurance.

It's such a con! Should have more NCD as when returned 8 years ago from 7 years living in France/Ireland, had to virtually start again, as needed a legal professional translation at vast expense! Was with Groupama, then AXA France, Axa Ireland and went with AXA UK thinking make life easy, but nope, got the above!

James.

Last edited by volvo always; Apr 2nd, 2021 at 22:26.
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Old Apr 2nd, 2021, 22:32   #25
volvo always
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Originally Posted by Rocinante View Post
This isn't directly related but is about insurance. I just got my windscreen replaced, (screen hit by a stone and cracked) through the insurance. This "doesn't affect my NCB" according to my policy, but I guessing I should still be expecting my policy to rise? It isn't quite due yet.

On the comparison sites, I'll list 13 years NCB, but the then they'll ask have you had any claims, which I'll have to say yes to, which will presumably push the price up.

Anyone got experience ?
No experience as when a stone cracked my 940 windscreen. I looked into the insurance wording and my insurers wording was "NCD wont be affected, but the renewal price may change"!
Decided as £100 excess anyway, to pay for it myself! £195.00.

James.
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Old Apr 2nd, 2021, 23:48   #26
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Quote:
Originally Posted by volvo always View Post
I am with Admiral Multicar, but will be ditching them as cheaper to insure separately from the 9th.

Wanted £971 for

1996 940 LPT.

Also a 2015 Toyota Auris Hybrid estate.

I have 8 years NCD on Volvo and 2 years on Auris.

No claims/accidents.

Did a comparison site and got:

Volvo 940 £257.00 (ESURE)

Toyota £455.00 (ONE CALL Insurance) Not heard of!

Admirals best after phoning was £850!

Couldn't put Volvo on classic as use it for my Business, so both have business use insurance.

It's such a con! Should have more NCD as when returned 8 years ago from 7 years living in France/Ireland, had to virtually start again, as needed a legal professional translation at vast expense! Was with Groupama, then AXA France, Axa Ireland and went with AXA UK thinking make life easy, but nope, got the above!

James.
Admirals isnt including the BIG discount for lulling you in, once next year comes around, your new lower cost will prob end up the same if not dearer than Admirals, you will then need to compare the market again and keep doing so, year on
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Old Apr 3rd, 2021, 01:09   #27
volvo always
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Admirals isnt including the BIG discount for lulling you in, once next year comes around, your new lower cost will prob end up the same if not dearer than Admirals, you will then need to compare the market again and keep doing so, year on
Most likely, and I don't mind. Last year did the same and Admiral were a bit more, but but came down and was happy as saved changing for the sake of £60. If Admiral or LV are cheaper next year I will go. Loyalty counts for nothing now.

But why don't insurers offer any customer whether existing or new the best rate from the off! In my case Admiral £850 instead of £970.

You shouldn't have to phone them. I bet most just accept it and they get to make a great profit by each customer!

There is no loyalty. I don't mind say up to £50 dearer than comparison sites but £150 is a good saving.

James
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Old Apr 3rd, 2021, 01:19   #28
Laird Scooby
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Most likely, and I don't mind. Last year did the same and Admiral were a bit more, but but came down and was happy as saved changing for the sake of £60. If Admiral or LV are cheaper next year I will go. Loyalty counts for nothing now.

But why don't insurers offer any customer whether existing or new the best rate from the off! In my case Admiral £850 instead of £970.

You shouldn't have to phone them. I bet most just accept it and they get to make a great profit by each customer!

There is no loyalty. I don't mind say up to £50 dearer than comparison sites but £150 is a good saving.

James
Like all sellers, they want to get the most money they can but recgnising half a loaf is better than no bread, will reduce their profit margin to take the business while hoping next year you'll stick around.

Also another example of the public being fleeced is since the govt dropped the threshold for a grant on buying a new BEV to £35k, many manufacturers have dropped the price of several models to £34995 or similar - some models were £40k+ previously!

Another reason there is no govt intervention on insurance premiums is they get IPT - Insurance Premium Tax which i believe is currently ~5% so they are getting a metaphorical brown envelope from the insurance companies every time we pay a premium for a policy.
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Old Apr 3rd, 2021, 10:07   #29
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Originally Posted by volvo always View Post
...But why don't insurers offer any customer whether existing or new the best rate from the off!...
I kind of think you've answered your own question.
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Originally Posted by volvo always View Post
...I bet most just accept it and they get to make a great profit by each customer!
...
James
I have to admit whilst I know I could generally get something off the price by searching around I usually contact Admiral who I've been with for years and they just knock something off and I stick with them, when I've tried searching around in the past I get to a point where I've spent half a day filling in online forms to find £50 or £100 off and come to the conclusion my time and sanity is worth more than that. Staying with one company also has the advantage to me that I have all of the contact details to hand and an online account, and I know the product I'm buying is consistent, some super cheap policies don't allow for travel to work, have high excesses etc, other people get a buzz out of finding the cheapest and are not bothered by coping with the variables.
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Old Apr 3rd, 2021, 10:17   #30
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I think the whole NCB concept is a facade nowadays....
I'm inclined to agree on that, it's certainly not as clear cut as it should be. I phoned my insurer on one occasion and the person at the other end said 'I see you've been with us for a long time, lets see if we can find you some discount', surely that's what NCB is all about? I suppose the rot set in when insurers started to give spurious discounts to new customers, back when I learnt to drive with BSM they had a deal with an insurer to give me a years NCB straight away, presumably justifiable because BSM gave me a superior quality of tuition, but since then the introductory discount has just become a marketing tool without the slightest sense of justification, once you've got to that point 10% NCB is made pointless by a 25% introductory offer.
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