On Sunday 22 December 2013 23:11 Adrian wrote in uk.d-i-y:
However it will not make much difference to thinks I suspect:
IME my current insirance renewal is always beated (by a long way) by another
company - every time. Even the current company are unwilling to match it.
I usually change insurers every 2 years so that's probably why my premiums
got hiked so as to make such a difference. From this year, all my details
are on ComapreTheMarket so that will get replayed every year from now on!
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firstname.lastname@example.org (Andrew Gabriel) grunted in wrote:
Actually I wonder whether that's already operating... I recently checked
the screenscraper sites looking for an improvement on Admiral's renewal
quote for my daughter. She was able to better it by about 60%, but
interestingly, among the bunch of companies listed at the bottom of the
list of quotes, under "we were unable to obtain a quote from the
following companies" (which is usually all about the age of the proposer
etc), was indeed... Admiral.
Furthermore, when she phoned Admiral to cancel the renewal, they didn't
even bother asking about trying to better the competitor's quote. Also,
they'd insisted on setting up an annual direct debit at the outset of the
original policy rather than just a one-off payment; so I can only assume
that auto-renewal following a low first-year premium is the basis of
their business model.
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Just checked again how much it'd cost me to insure a few different small
cars; cheapest quote I had was just over £2000. I've had my driving
licence for around 9 months now but still can't afford to run a car -
well not without being broke all the time. The good thing is, I have
access to a company car which I do use weekly so I still get practice.
Sorry - I meant "Moneybox" http://www.bbc.co.uk/programmes/b03m3j72
about 15:12 in. An AA spokesman said premiums have fallen by about 12%,
partly because of the "gender neutral" rule that came in a year ago (if
you're male, anyway), but also due to a fall in staged accidents and
false whiplash payouts.
Apart fromt he car getting older.
I think they are desperate to keep customers that don't make claims.
I bet you haven't made a claim in years.
They can trace your claim history back a long time now, it is all pooled
The cost of claims these days is astronomical with all the administrative
So if they can get people that don't claim, it's just a case of rake the
Apart from accidents, many claims are down to carelessness by the owner.
No such thing as accidents these days, only collisions. ;-)
I say this only partly tongue in cheek. A couple of years ago our
county (Wilts) were running a "driver improvement campaign", which my
employer arranged to have visit our site. It was essentially a 1 hour
presentation where retired policemen, firemen and do gooders showed
pictures of horrific accidents and said "Don't drive too fast", "Don't
drink and drive", "Don't drive when tired" and "Don't try and impress
you mates when you are only 17 years old"
The only thing I learnt from the presentation is that the term "Road
Traffic Accident" has now been superseded by "Road Traffic Collision" as
there is no such thing as an accident.
I understand there are three factors coming in to play at present:
(1) New EU equality laws force premiums for females to be the same as
those for males. Since males have more accidents on average, this makes
premiums come down especially for young males.
(2) The authorities are starting to get to grips with the rash of false
claims for whiplash injuries and the like.
(3) There has in recent years been a substantial minority of drivers
with no insurance at all: the use of number-plate recognition systems by
the police has made it harder to carry that off without detection. Mind
you the fines for driving without insurance are often lower than the
cost of insurance, if you are a young, reckless male driver, so I gather
that isn't always as effective as it might be.
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