Not sure if the mods are happy with me using company names, if so they may delete.
Renewal quote. Admiral. £273.00. TFT no legal cover.
Best price. Axa. £194.80. Comp. including legal cover.
Deal done.
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Would you mind telling us what the car is, how old you are, and roughly where you live? Presumably you have maximum NCB.
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Similar -
Renewal (Company A, just in case) up from £645 to £786.
Company B now has my business at £505.
Suspect companies offering renewal are often less competitive than those looking to gain you as a customer. They hope people will not bother shopping round.
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it's not always like that though!
just had my renewal notice through, which is £50 cheaper than last year, and £45 cheaper than any other quote (used confused.com and aa.com)
I shall be staying with EGG, and rueing all those wasted minutes i spent shopping around!
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5pm get renewal quote - £759 (grp 18 just had a theft claim)
8pm call them to accept - gone up to £1050 - sorry sir, because you didn't renew before the policy ran out (car off road, long term sick) you're a new customer and we shouldn't have given you the first price and we're not going to honour it. You're havin' a laff I say - half hour fiasco trying to speak to someone in charge follows, promised call never materialises, call back next day, am asked to call back that afternoon (bearing in mind I can't drive the car to work so I'm waiting on them). Quick ref. to BR, find positive stories about L/pool Victoria - 10 mins later job done for £770 and I leave for work. Never heard back from original insurer, for whom the phrase "every little helps" seems to have passed them by. They had my business for one year and have paid out £3500 for the claim, but have foregone the chance of recouping any of that - can anyone explain how that makes commercial sense?
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How can anything to do with motoring insurance make sense?
I had 2.0 GTV insured directly with a company based in East Anglia... when my renewal came it was, give or take £100 cheaper with increased benefits...
I recently changed my daily driver to a basic Punto, the same insurance company wanted £150 more than the GTV...
you work it out ;-)
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Ohhh dear Nsar....
Old policy expired. Phone call to new Insurance Co accepted and you drive off within 10 minutes?
Section 147 Road Traffic Act 1988
(1) A policy of Insurance shall have NO EFFECT for the purposes of this part of the Act (Third party liabilities) unless and until there IS DELIVERED by the Insurer to the person by whom the policy is effected A CERTIFICATE OF INSURANCE in the prescribed form and containing such particulars of any conditions subject to which the policy is issued and any otgher matters that may be prescribed.
So technically no Insurance.
I will let this run before coming back with more....
DVD
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DVD, does this also apply when you take out a policy on the net,as i have recently, then drive before the certificate arrives even though on the web site, policy commencing/expiring dates were clearly shown (and printed off)?
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Thanks for pointing that out, shame the insurance company didn't!
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Hang on.
Hypothetical situation:
Phone insurance company in the afternoon on Friday 1 April. Ask for insurance. Pay by debit card. Money leaves account immediately. Insurer says they will posy certificate soon. No insurance yet as you don't have the certificate - not "delivered".
Insurer prints certificate and posts it 4 April. Still no insurance.
Certificate probably arrives on 6 April, given the quality of postal "service" near me. At last I am covered for the first time.
Is my renewal due on 6 April next year? I think not.
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Patently - it's the insurance industry we're talking about, surely you left logic at the door when you entered this thread didn't you?
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Patently - it's the insurance industry we're talking about, surely you left logic at the door when you entered this thread didn't you?
patently:
the rules are those in the RTA as passed by the government, not by the insurance company.
nsar:
this is what one insurance company says on its web site:
"Documentation
You are reminded that it is your personal responsibility, under the Road Traffic Acts, to ensure that you are in possession of a current valid cover note or certificate of insurance before using your vehicle on the public highway."
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Thank you Dalglish. Thank you.
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