Daughters insurance was for multi place of commuting, and insurance quoted accordingly.

She jibbed the temporary job as a care assistant visiting disabled patients at their homes, and now works as a customer services operative, basically manning tills and general duties at a large leisure complex locally.

 

Did the right thing and informed the insurance that the higher level of cover was no longer required, as she'll only be commuting to obne place and parking in a secure compound.

 

The price went UP by £40, and that was for risk, NOT admin charges.

Asked how exactly that works and drew a blank.

 

I am absolutely livid.

Told them she's fitted an air freshener, and that the car got wet during the night due to a shower if he wants to increase the premium further, but my sarcasm appeared to go right over his head. 

They win, they win, they win, it is state controlled gambling you know.

They win, they win, they win, it is state controlled gambling you know.

No wonder so many HATE them all.

They make the rules, we get shafted over and over again.

Name and shame so others can avoid?

My insurance went up by £100 when moving from my expensive to repair, 120bhp Renault scenic 1.9dci (53 plate) to the 105bhp 1.9Tdi Octavia (54 plate).  They couldn't give an explanation for the increase. I have recently had a change in my work which has pushed my annual mileage from 9000 to 18,000 and my insurance has gone down by £98.  It must be less of a risk to spend more time on the road than on the driveway or my car was always wandering off by itself for trips to the seaside when I wasn't using it.

it may be something to do with the hours on the road, as working from one location means that you are more likely to be commuting during the rush hour (7-9 am 4-6pm possibly - depending on what times are classed as rush hour by insurance companies of course) as you are statistically more likely to be involved in an incident due to the higher volume of cars on the road. By travelling to numerous locations throughout the day, even though you are on the road more, statistically you are less likely to be involved in an incident. Can't confirm if that is the case, but I was told years ago that adding to commuting to a fixed place of work does add a premium to the policy because of the statistics.

it may be something to do with the hours on the road, as working from one location means that you are more likely to be commuting during the rush hour (7-9 am 4-6pm possibly - depending on what times are classed as rush hour by insurance companies of course) as you are statistically more likely to be involved in an incident due to the higher volume of cars on the road. By travelling to numerous locations throughout the day, even though you are on the road more, statistically you are less likely to be involved in an incident. Can't confirm if that is the case, but I was told years ago that adding to commuting to a fixed place of work does add a premium to the policy because of the statistics.

She was working / driving during at least one of the 'rush hours' each working day.

 

The statistics probably show an increase in accidents during these times, simply because there are many more vehicles on the road then.

Statistics can be 'massaged' to suit themselves.

 

BELL btw.

They said they'd ring me back with an explanation from the underwriters.

I'm still waiting.  .

My insurance went up by £100 when moving from my expensive to repair, 120bhp Renault scenic 1.9dci (53 plate) to the 105bhp 1.9Tdi Octavia (54 plate).  They couldn't give an explanation for the increase. I have recently had a change in my work which has pushed my annual mileage from 9000 to 18,000 and my insurance has gone down by £98.  It must be less of a risk to spend more time on the road than on the driveway or my car was always wandering off by itself for trips to the seaside when I wasn't using it.

 

 

Now I have to give a bit of credit to the bloke I originally spoke to when I first took this policy out 2 months ago, as he quietly told me that by putting her estimated annual mileage up would possibly reduce the premium.

He was correct.

From 3000 miles pa to 8000 DEcreased the total cost by over £70!!

I was actually staggered. :no:

Another little 'trick' they don't tell you about, is that you will be be charged MORE for telling them that you leave your car secured on your driveway rather than leaving it on the public highway AWAY from your house.

The reason being is that potential thieving scum bags won't know which house to break into for your keys.

Now that actually does make some sense in terms of theft risk.

Hi,

With most insurers having an infinite number of complicated rating factors it is understandable for most customers not to fully understand exactly how their premiums are calculated.

Hope you get it sorted amicably.

Regards,

Dan.

Hi,

With most insurers having an infinite number of complicated rating factors it is understandable for most customers not to fully understand exactly how their premiums are calculated.

Hope you get it sorted amicably.

Regards,

Dan.

Well it's time the car insurance industry was a bit more transparent with all these 'trick of the trade', designed to squeeze every last hard earned penny out of us all.

Like a bloody secret gentlemans club society, shrouded in mystery constantly ringing cash registers, smoke and mirrors.

Licence to print money

Make me sick with their advertising too, making out they're all warm fluffy and friendly. with bucket loads of customer care.

 

Couldn't be further from the truth.

Only thing they care about is the depth of your wallet and its contents.

Make me sick with their advertising too, making out they're all warm fluffy and friendly. with bucket loads of customer care.

Couldn't be further from the truth.

Only thing they care about is the depth of your wallet and its contents.

Just wait till you're involved in an accident and they try to pull every trick in the book to get out of paying.

As for the initial query - I used to work in a store on a retail park and in the two years my car was there it picked up numerous bumps, scrapes and dents. It was an old Volvo so didn't matter to much (especially the boy who pulled the bumper off his car on mine leaving only a few scratches and then drove off).

I wouldn't be surprised if the number of minor accidents in shopping centres is a factor. That and you haven't got much choice when you switch mid policy.

Make me sick with their advertising too, making out they're all warm fluffy and friendly. with bucket loads of customer care.

 

Couldn't be further from the truth.

Only thing they care about is the depth of your wallet and its contents.

 

You never know the measure of any company until things go wrong. Inevitably they're all ****ing useless at that point because there is no profit in you.

Never contact an insurance compay during your policy expecting to end the call having spent nothing, or recieving anything back... They are the lowest of the low in my books.

 

The lot of them are crooks in my eyes.

Just keep the higher level of insurance.

 

You're covered for it, just not using it.

Just keep the higher level of insurance.

 

You're covered for it, just not using it.

Correct, or should I say that would have been the correct thing to do now IMO.

Too flaming honest, and taking their requests for 'any alterations' far too literally, that has  cost me £40.

 

They still haven't rung me back with an explanation btw.

Should I ring them back, or are they hoping that I simply can't be bothered hanging on for 20 minutes listening to the loop tape of 'how important my call is to them'? 

I felt I had to tell them my mileage had doubled, it's not hard for them to see how many I do a year. Happy it got me a reduction though which was the opposite to what I thought would happen.

Trackers and other car security devices.

Anyone with such items fitted  ever notice a significant decrease in premiums for disclosure of said devices?

 

Just asking as I heard from one person that it made absolutely no difference to his quote.

They can make a significant difference with vehicles that are thief magnets, and with some vehicles Insurance Cover is not even offered unless fitted.

 

It may make no difference to some peoples quotes for their vehicles or locations, 

but then that is true with so many different people, vehicles and locations, employment, vehicle value etc.

She was working / driving during at least one of the 'rush hours' each working day.

The statistics probably show an increase in accidents during these times, simply because there are many more vehicles on the road then.

Statistics can be 'massaged' to suit themselves.

BELL btw.

They said they'd ring me back with an explanation from the underwriters.

I'm still waiting. .

More driving equates to lower risk of an accident despite exposure to more opportunities to have an accident.

Then there's the fact if your moving between appointments, there's less time for theft to occur. Being in the same car park for 9 hours everyday gives thieves more opportunities on your car.

When I phoned my insurer, the operator told us to keep the business use for swmbo (got because she was attending customer site & employer insisted on it) as the policy would go up. So we left it as is, especially as re-adding it should the need at work happen, would incur an admin fee.

Correct, or should I say that would have been the correct thing to do now IMO.

Too flaming honest, and taking their requests for 'any alterations' far too literally, that has  cost me £40.

 

They still haven't rung me back with an explanation btw.

Should I ring them back, or are they hoping that I simply can't be bothered hanging on for 20 minutes listening to the loop tape of 'how important my call is to them'? 

Raise a complaint formally and if you don't get satisfaction go to the ombudsman.

Don't threaten them, but ask your insurer for the ombudsman's details if you don't get anywhere internally. They have to provide you and it used to cost them £500 regardless of whether you won or lost.

That charge is a joke.

Is it a flat admin fee the change or a policy charge?

The first is an annoying trend, which I apply a value to when comparing insurance, the latter in this case is a joke.