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Discussion Starter #1
I've just had a nice letter from Tesco Insurance telling me what my premium will be next year.

I've been driving since 1993, clean licence, in my thirties, low risk job i.e not entertainment.

Have a guess, it's for a Scenic 1.9 Dti, go on have a guess.....


How about £1,128.75?

The only reason it is this much is because I was run off the road by a lorry last year. Not my fault but he didn't stop. The police report confirms this.

I can see the logic here, if you have an accident you are a bigger risk to those who have never had any accidents. I thought I had my no claims protected but it seems you have had to have had the policy for four years to have that. Why? What does that prove?

Anyway, better stop ranting. I'm not inclined to the insurance for how far you travel either, I just wish it was more flexible and applied some common sense on occasion.

I hear Elephant.com are quite good. Going to try them and confused.com. Wish me luck.
 

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Let's be carefull out there
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good luck. I had a look at moneysupermarket.com. Got fully comp on the Clio for OH and me (7yrs no claim) £175 with £50 cash back = £125 all in. Granted it is for low mileage as well, but even then some companies were about 4 times that so it pays to shop around. The insurance companies don't display loyalty and I don't feel indebted to them any longer. I always shop for the best deal now. Oh yeah, that policy included windscreen cover, courtsey car and ICE cover as well.
 

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i do not call it insurance i call it a tax everybody has to have it who owns a car its raketeering of the highest order this is one cartel the goverment should be investigating forget tesco asda etc investigate the insurance companys of do as is done abraod the government should offer abasic third party cover to everybody at a low price so as to keep them within the law(no uninsured drivers !?)if you wish to have anything else fully comp etc you go elswhere on top not rocket science is it ?!!!!!!!!!!!!!.
 

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Still a Petrolhead but also like diesel
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Hi Pyrogenius, sympathies .... had a similar issue a couple of years back .... while at the pumps in a garage, the car in front suddenly reversed into me (I was filling up at the time) :steam: ... He appoligised and gave me his details (elephant.com) ... all went well, car repaired, no fault accepted by my insurance, elephant did all the work and supplied a replacement Espace for the duration. :)

My renawal came round and my insurance hiked the premium, ... not happy :crazy: .... thought I was impressed on how elephant.com had handled my claim ... I'll get a quote .... elephant.com refused to quote (even although they had all the details ... their claim remember) the reason ... althought it was a no fault incident ... because my car had been in an accident ... I was partly to blame because I was there for their insured to run into ... and they wont take new policies out with people that have had accidents :eek:


To cut it short I was well hacked off, I went back to my own insurer ... asked to speak to an underwriter ... explained the issue and why I thought it was unfair ... the upshot ... they appoligised for a clerical error, and removed the loading on the renewal ... so I was happy .... my insurance company .. Esure


So dont expect too much from elephant.com but it may well be worth your while talking to your insurance company .. (not the call centre who field the calls but an underwriter or similar)

Hope it helps :)
 

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Just renewed the Espace's insurance today.

When the renewal came through the post, it was £150 more than last year, even though they claimed to have checked a panel of insurers and were giving the lowest quote possible.

There is an ongoing claim but I still put the details through confused.com and it came out at about £150 cheaper than the renewal.
 

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Hi Peanuts - Could you let us all know what countries abroad have the scheme you refer to. Very few companies offer 3rd party the reason being it's not cost effective and in many case will cost much more. There is more to insurance than just paying for the other guys damage. As we now live in a very claim conscious country there are many hidden costs to insurance cover which we all take for granted. In the event of litigation just imagine what the lawyers fees could be - never mind some poor soul left paralysed for life. Yes insurance companies are in the business of making profit and are not charities. As a matter of interest peanuts what do you pay for insurance. I pay £250 per year cos I've been a good boy.:d
 
O

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i do not call it insurance i call it a tax everybody has to have it who owns a car its raketeering of the highest order this is one cartel the goverment should be investigating forget tesco asda etc investigate the insurance companys of do as is done abraod the government should offer abasic third party cover to everybody at a low price so as to keep them within the law(no uninsured drivers !?)if you wish to have anything else fully comp etc you go elswhere on top not rocket science is it ?!!!!!!!!!!!!!.
I'm not being funny mate but do you really think it would be cheaper to have car insurance via the Government rather than a competitive market place.

75% Tax on petrol, Road Tax which costs nearly as much as a lot of people's insurance - what do you get for that..... pot holes, speed cameras....... ermm pot holes....... can't think of much else.

this is one cartel the goverment should be investigating
It is regulated by the Financial Services Authority i.e. The Government!

Give me an insurance company over New Labour any day!
 

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Car Insurance Humbug

Why do all motorists no matter what their age keep ranting on about the cost of insurance - let's face it it's another evil necessity. When ever I work out my motoring costs the bit that scares me most is by how much the depreciation figures will be - but we make no complaint - and guess what its the car companies and car sales people that are really ripping us off. Let us start a good rant about depreciation costs and see how many comments we get.:d
 

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I've just had a nice letter from Tesco Insurance telling me what my premium will be next year.

I've been driving since 1993, clean licence, in my thirties, low risk job i.e not entertainment.

Have a guess, it's for a Scenic 1.9 Dti, go on have a guess.....


How about £1,128.75?

The only reason it is this much is because I was run off the road by a lorry last year. Not my fault but he didn't stop. The police report confirms this.

I can see the logic here, if you have an accident you are a bigger risk to those who have never had any accidents. I thought I had my no claims protected but it seems you have had to have had the policy for four years to have that. Why? What does that prove?

Anyway, better stop ranting. I'm not inclined to the insurance for how far you travel either, I just wish it was more flexible and applied some common sense on occasion.

I hear Elephant.com are quite good. Going to try them and confused.com. Wish me luck.
With reference to the protected no claims bonus, most policies require you to have four years no claims, but you also have to pay extra for the protection. The logic here is that if you have not had a claim for four years, you are less likely to have one I suppose.

Tel
 

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Had my renewal come from Churchill today.
Lag 05 privilage Sport Tourer They wanted £499 !!!
I have opted out of company car scheme and run my own car, 35,000 miles a year , 8 years NCD , protected , legal cover, courtesy car. Speaking to other engineers found out that I was being ripped off. Checked on confused.com , Quoted Norwich Union £294 and Rac £308 , and this includes enhanced courtesy car and mileage up to 50,000 a year. Have been mugged once this week by the hoodies at Renault main dealer for 36,000 service so have avoided getting caught twice.
We have a very good independant garage near to me who specialises in french cars . I really want to take the car to them for service as I know that I would get better service than from the Renault hoodies, but as I have an extended warrenty up to 100,000 miles I do not feel that I can take the risk.

The Ships Cat
 

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Discussion Starter #12
Update for you,

Ditched Tesco as they admitted they couldn't make a £800 pound difference. They said;

"bite their (Elephant.com) hand off..."

Fingers crossed it all goes happily with my new insurance folk, £330 fully comp, only 10 months cover but given full years no claims at the end and i can keep doing that year on year. Hire car included.

After nearly fifteen years of spotless driving I should think so too.
 

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who did you go with in the end?

im with Admiral at the moment, been pretty happy with them but have a quote for £520 comp from Bell which i may take up in June
 

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Its all a bit extreme!!!

Left wife to sort out Espace insurance on confused.com
best price 734.00.

I went on moneysupermarket.com to double check and best price is 432.00??????

Underwriting is a science on its own that generally relies on
sales targets and market share with sfa to do with risk.
 

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The black art of insurance

Insurance is a complicated game and as the name says "risk" is about taking a gamble - a bit like doing the horses - the risk(or odds) is constantly changing - just like the bookies keep changing the odds. It also must be remembered insurers don't take all the risk as they also set their risks against Loyds underwriters who can change their minds at any time. Additionally it should be remembered the underwriters don't just invest (gamble) on car insurance only they are also involved in many other forms of insurance - in other words if a few tankers sank in the worlds oceans they would need to make up their losses somewhere else - Yeh it's a bit of a black art but in all honesty I think they are very brave puting their money up for the risks involved especially when I see some of the drivers on the roads today.:)
 

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After my accident 3 months ago and still it hasn't cleared although it wasn't my fault as i was crashed on the back, i got my mk1 rsi and while browsing around for a quote, i remembered Post office. So i did an online quote.

After an accident and 0 years no claim bonus:

Insurance £3,299.52

Tomorrow i have to pay my tax. I will print a copy of the quote and if i am asked whether i know about post office insurance, i will let them see the quote. :p
 

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I've been driving since 1993, clean licence, in my thirties, low risk job i.e not entertainment......

......I thought I had my no claims protected but it seems you have had to have had the policy for four years to have that. Why? What does that prove?

I don't understand this. To protect your no-claims discount you have to have at least 4 years no claims. It doesn't matter who the policy is with as the no claims discount travels with you from insurer to insurer. Yet you say that you've been driving since 1993. Have you made a claim in the last 4 years? If not, then you should have protected your discount at the first possible instance.

Always ALWAYS protect your no claims discount if you are able to. You are paying the price for not doing so. It may seem unfair, but thats the way it is.

On a side note. I wrote my car off whilst insured by elephant.co.uk. I provided proof that the car was worth £6000 and that I would be unable to replace it with a similar model for less than £5500 and they paid out £1500!

They are happy to take your payments each month, but god help you if you ever need to make a claim. You will get fleeced!

Try Direct Line, Churchill or Norwich Union.
 

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my son was hit in the rear BOTH partys were insured by post office what a joke it has been sorting it out they pass you around from person to person repeating everything over and over

After 3 weeks his car has still not been assessed as the person who hit him says it was HIS fault HE WAS STATIONARY !!

Their insurance companny are norwich union and when you call them you end up talking to someone who is in some other country cannot understand you you cannot understand them its rediculous
 

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One of my Dad's co-worker's sons hit a car parked bang in the middle of the sliproad he came off at!

Tunrs out the bloke he hit was a truck driver who hadn't taken his rest breaks, was tired and inebriated about 8 times over the limit and had just fallen asleep there while trying to drive home!

The result: Obviously, the accident was non-fault, but the guy in the car, who got disqualified from driving and lost his job sued for loss of income and whiplash! Remarkably, Tesco insurance didn't fight this and now their Insurance premiums have tripled.

Moral of the story: Don't even insure with Tesco. They're utterly incompetent.

They're currently trying to puruse legal action against Tesco insurance, and I can see why. Funnily enough, after all the comments we've had about young drivers being unsafe in fast cars, he was driving a Skyline (they're a pretty rich family, but he is in his mid-20s) - I suspect had he been driving something like a Clio, the accident would have been much worse - which car has the better brakes?
 
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