Why can't they just give you the best price without all the ****ing about passing you to other companies? Why do they keep asking how much you've been quoted? Am I the only awkward twat that won't tell them? It's insulting, because they're effectively saying they'll charge you as much as they can get away with. I just say I want their best price. And another thing...why do they ask your marital status? What on earth could that affect? I asked the drones that ring, and they had no idea why they asked it, other than it's on the screen.
I got a renewal quote from Aviva. £440. **** that. Quick shop around and tescobank came in at £220. Same cover an' all.
I'd been on line and got a few quotes in a matter of minutes and was deciding between two, when the phone started ringing, and they've been ringing me all day. I've interrupted a few of them to point out that a reasonable early question could be "is it convenient to go through this now" rather than arrogantly steam rolling through their screen script. They get quite indignant, without really considering I didn't ask them to ring me.
They ask for marital status because statistically you are a safer driver than a single person as you are deemed to take less risks. Just renewed mine for £150.
They're a set of ****s. It's all a total scam that we all just accept, and we're brainwashed with all this "Ah well insurance fraud costs them a lot you see" nonsense. They're really interested in your level of risk when it allows them to charge more, but when you go out of your way to reduce your risk (for example by taking extra driver training which is statistically proven to make you significantly less likely to have an accident) they don't want to know. And it's affected by the PC bollocks too. They can charge young people more, and old people more, apparently because of risk based on proven stats. Fair enough. But can they charge Asian drivers in the UK more based on the similar statistics? No because that's racist.
Things like mileage etc. should make more of an impact. I hear people my age talking about engine sizes and saying they'll get a smaller engine size to save insurance costs but it's a myth, it hardly makes any difference if you're young. Bizarrely, the only way to make car insurance relatively cheap for under 25s is to insure extra drivers as additional named drivers (essentially increasing the level of cover) which can bring it down by an absolutely ludicrous amount, particularly since it's a greater product you're buying. They also sometimes make fully comp cheaper than 3rd party, on the basis that people who want 3rd party are likely to be scalliwags and those who want fully comp are more responsible. It's madness.
Insurance should cover every vehicle you own all on one policy, because you can only drive/ride one at a time.
Telephone? Hello back there in the 20th Century. Direct Line for me, best quote by miles. Been with them 2 years now, and this year it went down by 30 quid for reasons unknown to me.
Direct Line are ****e for me; I think it depends on age. For me I've always found the Admiral group ones to be best. I'm with Diamond now I think. Direct Line and Aviva always quote me several thousand. Last year I went with IAM Surety who supposedly reward you for being an advanced driver, but this year they couldn't get near the quotes the Admiral lot gave me.
When you get your renewal, go on compare the market and the same company will quote you a cheaper quote!!! How the **** does that work then?? One time when i got my policy it said the car was parked on the road. I rang em and said its garaged every night!! O sorry sir that doesnt make it cheaper. GTF
That's just one way they continue to make record profits every year, preying on old biddies who don't have the nouse to shop around.
Direct Line are arseholes. I went from a Golf to a Focus about 7/8 years ago. Rang 'em to alter the policy and they said they wouldn't/ couldn't insure my 1.6 Focus Zetec. In the end I had to cancel my policy, which had about 4 months left. I was paying monthly direct debit. It cost me more to cancel it then if I'd just kept the policy for the Golf running. How the f**k does that work?
The problem for the layman is that insurance is very complicated, motor is less complicated than home insurance though. You should always try a broker first.
And just to explain the motor insurance industry actually paid out £120 for every £100 received the other year. It's a fallacy that they make huge profits.
I got a years free insurance from VW (Allianz Insurance). They sent me renewal through for £1,300. Told them I got a quote of £400 from a different company, they pretty much told me they didn't care. "We don't try to be the best priced due to the service we provide. We won't try and beat your quote". Alright then... See you later!! I don't care what service you provide, because if I don't have an accident in the next 12 months that's an extra £900 i'll have wasted.
Don't even get me started on insurance. I'm a first time driver and I'm getting my Corsa (which some of you discovered is now called Curtis) insured and its costing me 1400 because I'm a 20 year old bloke and therefore statistically I'm more likely to crash. It's a scam, questions should be more catered on static and non-static factors but instead the main 3 are age, gender and marital status (which is baffling as you could be single by all definition even though you're not married out of choice in a long term relationship)
Age is the most important factor is rating a motor insurance. Whether you agree or not young drivers are mucho rue likely to have an accident than a 40 yr old
