Car insurance rip off time!

Pingu said:
It would cost me around £200 according to comparison sites. It's an Astra estate.

He has 1 year's NCB, as he's only been driving for 12 months, but is over 25. I know that young drivers are a bigger risk, but ...
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Have you tried putting yourself on his policy as a named driver. Putting Denise and me on our daughters insurance reduced it a fair bit.
 
Redline said:
RAC - like any insurance company nowadays they simply cannot be trusted.

RAC insurance cancelled the insurance of one of my colleagues rather then renewed it as requested. He was then stopped a few days later at a police roadside checkpoint on the A5, arrested and charged for no insurance. I had to go and pick him up.

Took him days to get the RAC to check the instructions they received by phone. He was left without transport and no ability to get a hire car. In turn, that cost the company tens of thousands because he wasn't able to do his job as a PM working on a national project with very tight timescales and penalty clauses.

It was eventually put right and the RAC instructed the police and court to cancel charges and any record of the incident on his details as it was entirely their error. He still had to pay the costs to get his car back until the RAC paid him back.

It's getting to the point where you have to record your phone calls with the insurance as they do you and tell them you are doing so. They give you a whole spiel from a script but I think you now have to tell them to point out any significant clauses and omissions that might not be apparent. They place massive emphasis on you being honest with them, but doesn't seem to be true the other way around.

As far as Classic Car status - ask them to show the evidence that they specifically and clearly advised you of this policy status and condition when you took out the policy and where within that notification that NCB (a standard insurance item) was stated as not accrued, and that finally, you asked for and accepted that policy with that condition - especially if they asked for NCB to provide a reduction in premiums. If you made the arrangements by phone, ask for a copy of the recording. I expect they cannot do that.
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Sorry but that's his fault too. When I instruct my insurance to renew I get an email almost immediately, if I didn't get one before the renewal date along with online documents I'd check with them. The onus is on the driver to ensure he is insured.
 
I would check Aviva. £370 in 2020 for Z3M & Z4 e89 on a multi car with euro travel and 5k miles on both. Had a fault accident in the Z4 and at renewal 2021 £340 (- 1 years NCB on that car only) Also the accident stuff was all done by email and totally hassle free, I like Aviva :thumbsup:
 
We have been with the nfu for more years than I can recall, I do check prices every couple of years, but not offered a better deal.

I very carefully check all the benefits, I found one quote very competitive , but after adding on all the extras it was not competitive.

I do like being able to call in the office and talk to a person, not all done on phone,and the service I get when claiming (made a few over the years between house and cars) has been very good.

But , I can see them not being competitive in a lot of cases as I am getting between 17.5% and 20% bonus due to the time I have with them, and the will not quote in all areas.
 
Nodzed said:
Sorry but that's his fault too. When I instruct my insurance to renew I get an email almost immediately, if I didn't get one before the renewal date along with online documents I'd check with them. The onus is on the driver to ensure he is insured.
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That may be so, (failure to ensure he had in his possession the relevant documentation), but, it was a verbal contract to renew and acceptable under UK law. The correct instruction was given. The RAC accepted without reservation that they failed to honour that verbal agreement and accepted liability for all consequential losses and wrote to the court to ensure that their client was not in any way liable for their failure. In the RAC's own recording of the phone call it was absolutely clear what the instruction was. They simply did not do what they said they would do. The paperwork is secondary to that agreement. As it happens this renewal was made the week his father-in-law died in Russia so his attention then was elsewhere as was he. Not entirely surprising that that chasing the certificate was lost on their return to the UK.
 
Redline said:
That may be so, (failure to ensure he had in his possession the relevant documentation), but, it was a verbal contract to renew and acceptable under UK law. The correct instruction was given. The RAC accepted without reservation that they failed to honour that verbal agreement and accepted liability for all consequential losses and wrote to the court to ensure that their client was not in any way liable for their failure. In the RAC's own recording of the phone call it was absolutely clear what the instruction was. They simply did not do what they said they would do. The paperwork is secondary to that agreement. As it happens this renewal was made the week his father-in-law died in Russia so his attention then was elsewhere as was he. Not entirely surprising that that chasing the certificate was lost on their return to the UK.
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Good rebuttal Your Honour. :whistle::thumbsup::thumbsup:
 
Nodzed said:
Good rebuttal Your Honour. :whistle::thumbsup::thumbsup:
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Haha. Done this before m’lud ;)=))
The serious point is that companies record the conversations but you have to fight to get them to access it. They have the might to tie customers up in knots and often use it even when it is unfair. My cousin has just had her car written off as an economic right off in a no fault accident but she is losing out massively. She has been without a car for two weeks on the day of going on a fortnights leave after doing weeks and weeks of 12 hour shifts on COVID wards. Insurance companies are often without any morals.
 
Only often Ian, that’s very generous of you mate.

Tony.
 
t-tony said:
Only often Ian, that’s very generous of you mate.

Tony.
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I try to be fair even if it isn't justified :whistle:
The counter balance is that many people try and fleece their insurance companies at each and every opportunity.We honest people get caught in the crossfire.
 
Very true, but it's a chicken and egg situation. I think the main thing is that at the end of a year, not having had need to call on their insurance some people consider it was a waste of money. If only we all had a crystal ball eh?

Tony.
 
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