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 Post subject: wtf?
PostPosted: Mon Aug 09, 2010 11:56 am 
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what happened to car insuance? my premium has gone up £120 this year for no reason. :x

any body who can find me a cheaper quote than £530 for a fiesta st, 26yr old, fully comp, 6 years no claims (PROTECTED) and clean license will win a mars bar. and a kiss from Ryan. 8-)

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 Post subject: Re: wtf?
PostPosted: Mon Aug 09, 2010 12:08 pm 
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I had the exact same problem dude, 26 with 7 years no claims and it went up £120. I thought it was just my insurance company trying it on, but after many quotes I only got it down to £100 more but with no claims protection with admiral.

So all I can say is try and get as many quotes as you can, try the likes of confused.com and see what happens.

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 Post subject: Re: wtf?
PostPosted: Mon Aug 09, 2010 1:11 pm 
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Look at sky insurance on here.. They normally try and beat the best quote you can get, plus your age etc fits the bill so might be better. Worth a try.

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 Post subject: Re: wtf?
PostPosted: Mon Aug 09, 2010 2:55 pm 
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Percy wrote:
I had the exact same problem dude, 26 with 7 years no claims and it went up £120. I thought it was just my insurance company trying it on, but after many quotes I only got it down to £100 more but with no claims protection with admiral.

So all I can say is try and get as many quotes as you can, try the likes of confused.com and see what happens.


random, phone woman said it had gone up everywhere, thats fair enough. But £120 a year! with another years ncb. a joke. :x

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 Post subject: Re: wtf?
PostPosted: Mon Aug 09, 2010 3:14 pm 
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Tell me about it, at worse you would expect it to stay the same.

As I said, you might be able to reduce it slightly but you are more than probably going to end up paying more.

ps. you may save a few quid if you swap it for a C2 VTS

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 Post subject: Re: wtf?
PostPosted: Thu Aug 19, 2010 8:32 pm 
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not sure if u can use this company out of west midlands but mines only 400 hundred quid for the fiesta si 1.6 only had my license a year try nfu mutual thats fully comp too


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 Post subject: Re: wtf?
PostPosted: Fri Aug 20, 2010 8:09 am 
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My insurance went up on the Pulsar this year too, I had to fork out an extra £1!!!! :o

But like you say, an extra years no claims and it's goes up or stays the same... yeah ok.

I see we have insurance people on here now. Wonder if they can explain why insurance companies bend over backwards to get your business, when they do we pay up on time, every month or in one full payment so we are driving legally, yet when it comes to claiming, they try anything and everything to get out of paying when we are entitled to claim?? The whole point of insurance is to ensure that should the worst happen, you are covered and don't lose out thanks to some tosser who can't drive. Yet you are made to feel like you have done wrong and shouldn't be trying to claim!

Rant over. I've had my fair share of bad dealings with shit arse insurance companies, so as friendly as they are before you get a policy with them, it makes no odds to when you come to claim.

The whole system needs looking at.

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 Post subject: Re: wtf?
PostPosted: Fri Aug 20, 2010 8:26 am 
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Oli from Sky made a massive post somewhere about all this on either here or the DC2 forum, I'll find it. It's not for the faint hearted (long read) but it is very interesting.

Still doesn't make you feel better about most people paying more the following year!

Op - where exactly will this kiss be planted?

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 Post subject: Re: wtf?
PostPosted: Fri Aug 20, 2010 11:08 am 
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I am happy to answer offer general insurance advice, answer sky Insurance related queries and some general insurance questions but I am not here to take stick about the insurance industry as a whole, I think that's fair enough. I work for one specialist company, I do not represent the industry as a whole.

Ollie
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 Post subject: Re: wtf?
PostPosted: Fri Aug 20, 2010 11:58 am 
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skyinsurance wrote:
I am happy to answer offer general insurance advice, answer sky Insurance related queries and some general insurance questions but I am not here to take stick about the insurance industry as a whole, I think that's fair enough. I work for one specialist company, I do not represent the industry as a whole.

Ollie
Sky Insurance


Fair play, please excuse the next rant it is aimed at the industry and not you directly, but I guess sky do use similar systems.

Insurance has cost me over £6k since I have started driving... what I have I got for it... f all!

In my case how the industry judges people reminds me of the Nazi's.

I am male to which I understand ON AVERAGE I am more likely to crash. Yet compare my insurance premiums to a women in the same situation and they pay less, but is EVERY women a better driver then EVERY man? I think not.

Same again I get stung due to my area, so my neighbours ON AVERAGE are more like to make a claim, but does that mean I make more claims than EVERYBODY else in other areas, I think not.

In my case being a young(ish) male in Oldham makes me the scum of the earth to insurance companies, yet by some freak of nature I have managed to get 7 years no claims together and have no points on my license... is that enough evidence... can I get a reasonable quote yet... I think not.

With anything else to judge sombody based on sex, age and location is bang out of order yet insurance companies are allowed to do this and it is accepted.

Personally there should be caps on what insurance companies can charge, because night now there is people getting better quotes than me at the same age, with less no claims, even claims and points on there licence, they don't get better prices because they are a better driver but because they live somewhere else or they don't have a penis.

In short I may share the same physical features, age and location with sombody, I am not the same as that person.

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 Post subject: Re: wtf?
PostPosted: Fri Aug 20, 2010 12:36 pm 
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If insurance was to get even more involved though to look deeper into each of their clients scenarios, I can imagine Admin costs would rise surely for the extra time taken..?

bearing in mind it's also based on car models and how many claims that car has received on a whole in that year and previous with the insurance companies specifically and on a whole I assume?

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 Post subject: Re: wtf?
PostPosted: Fri Aug 20, 2010 1:19 pm 
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But how about instead of me paying £400 and a women in the next town paying £200, why don't we pay £300 each, the moment one of us makes a claim or gets points then it can change but up until that point we should all be treated the same.

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