Car Insurance

[stona]

I just saved myself enough money to by three or four 1/32 uber-kits simply by shopping around for my car insurance.

I'm not going to name names but it pays to shop around and not accept your current providers "no need to do anything" renewal notice :nono:

Now do I tell SWMBO.......:music_whistling:

Steve

[Guest]

hell no mate lol

[Guest]

I always shop around every year at renewal time, do the whole go compare, meerkats etc and try the odd few who aren't affiliated with the comparison sites.

Often find a better deal for the car, seldom for the bikes.

[yak face]

Funny you should mention that steve! Ive just instructed my insurance brokers/providers not to renew mine too, i can get it about a quarter of their price doing it online myself. My trouble is that my dad was an insurance broker , so traditionally i always let him sort out my car insurance , no probs, then when he sold his business to a bigger broker and went to work for them i still used to let him do it. Eventually he retired and i just kept on using them , not really thinking about it , until i was told by a workmate how little he was paying for his, i couldnt believe how much i was being ripped off!! Needless to say im chuffed that I am only going to be paying £250 compared to over £800 last year!! tony

[mossiepilot]

I'm not a car owner at the moment, as I find little need for it. But when I was, I had my insurance from an on-line provider, who used to boast "find a better quote and we'll beat it" So when I got my renewal one year I gave it back to them and they sent me a cheaper quote. Saved about £30, I was well pleased.

Tony.

[Ian M]

Needless to say im chuffed that I am only going to be paying £250 compared to over £800 last year!!

£800 are you 'avin a larf! Still thats a nice saving you have found there. Just think of all that plastic you can buy!!!

Ian M

[Guest]

i wish.... mine is £1100 (and that was the best price)a year thanks to some little smackhead who stole my car a year ago and drove it through someone else garden and into a tree. i had to claim to pay for police recovery and such like and my insurance went up by £400 the year after. wouldnt mind but the car was only worth about six hundred at the time and i got paid out £125.

[flyjoe180]

Wow, those are very expensive insurance premiums!

[stona]

Wow, those are very expensive insurance premiums!

It's partly to cover the cost to insurers of all the uninsured drivers on our roads. Then there's the ambulance chasers,encouraging spurious medical claims for imaginary injuries. I have no problem with people who are genuinely hurt being paid but there is an expensive "whiplash" culture in the UK. I myself have felt pressured to make such a claim. My insurer seemed a bit miffed when I insisted that there was nothing wrong with me,following a shunt,and that was seven or eight years ago. It's not just the insurance companies. Lawyers,hire car suppliers,body shops,private medical services etc are all in for a slice of the action.

SWMBO's car was recently written off. It was parked on the road outside our house in broad daylight (her brother's car was on the drive) and someone ploughed into it,shunting it 40' down the road. Heaven knows how fast she was going,thankfully noone was in SWMBO's car and the woman who hit it is insured. We've dealt with all sorts of companies besides the insurance company and they all have to be paid.

Cheers

Steve

[Guest]

my boss recently had a prang, a lady pulled out in front of him and he just touched her car literally, he was doing about 5mph when hit touched her...straight away she admitted she was wrong and admitted liability, his car was an old banger he paid £300 for it and all that was wrong was a broken headlight lens. he went the full hog with whiplash claim.they offered £600 for the car as it had to be written off because of its age and £1500 for his personal injuries (lmfao).he refused both and waited for about four months.he ended up with £5400 for him and £1000 for the car. i know for a fact that he suffered no injuries and was blagging the doctors and he could of got a headlight for £20 at the scrappy and the t**t laughs when i moan about the price of my insurance.

[Guest]

It does pay to shop around and not let your insurance re-issue it automatically.

I will say the strangest thing happened last time ....

Used go-compare to find cheapest ... £200 fully comp ... from kwik-fit .... bargain !

Got insurance details through ... insurance was actually aviva, but through kwik-fit .... didn't care .. still a bargain.

year later got renewal .... was £640 .... sod that ....back on go-compare

Kwik-fit came up cheapest again ... £190 ... bit puzzling.... phoned kwik-fit and they comfirmed this and i went ahead.

insurance details came through and this time it was axa ... again through kwik-fit.

I get a free MOT every year with kwik-fit included too.

And another thing whilst i'm having a bit of a jolly rant......

what i always think is a bit daft is that last year i went for a quote on a 1.4 civic (old shape, p reg) to try and help the step son out. it was horrendous ... even when i knocked him off the insurance as named driver it was still 400 odd quid for me alone ... where-as i get insured for a 2004 4.0 S type jag for £250 and my 2.0 volvo is £190 as i said above.

[Dave W]

A bloke recently slide on ice and went into the back of me at very slow speed.The car,being a modern covered in plastic job needed repairs.But I didn't suffer any injuries myself.I then had three phone calls from a solicitor saying I could claim up to £4000 for whiplash injury.I said I didn't have any.But my wife previously told her I had a bit of neck ache.So he kept on trying to get me to claim.In the end I said it would be taking the piss to claim and no wonder insurance premiums are high with people like her encouraging us to make bogus claims.

[stona]

Exactly Dave,that's pretty much what happened to me. I'm afraid that you and I are a minority.

Cheers

Steve

[Guest]

A couple of years ago I had a minor bump with someone at the petrol station - it was my fault, I was reversing and din't see him. I must have been doing less that 5mph. My car had a slight scrape on the rear bumper but it did put a dent in his wing. We exchanged insurance details etc. Later my insurance company said that his passenger was claiming whiplash injuries... I said WFT he didn't have a passenger and it was 5mph and he was stationary! They settled though as its cheaper to settle rather than challenge! Its nothing more than taking the piss and its one of the reasons that lawyers will be first against the wall when the revolution comes, with accountants second (after they've counted the dead lawyers of course)!

[colin m]

I had an odd one a few years ago. I was with esure and at every renewal, I shopped around and couldn't beat the renewal quote. This lasted fro about three years until I changed the car.