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imperishablehcfc

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11210 posts
First used 09/01/17

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Hull City

#1
11/10/2017 at 10:23

House and contents + 33% Direct Line (No claims)
Motor + 12% Direct Line (No claims)
Breakdown Cover +34% Green Flag (did have 1 call out)

Rip off Britain, fucking Corbyn, EU, etc, lol.

Fuck the short term we will build a 1000 year Hull City Reich 

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exiled CITY AFC

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11115 posts
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#2
11/10/2017 at 11:42

Insurance fraud at an all time high.

Dig a little and find out who is doing the majority of it.

Crash for cash
Compensation culture

All ends up in the price eventually  

Let it never be said that I was silent when they needed me - William Wilberforce 

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TedLloyd

2696 posts
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#3
11/10/2017 at 12:19

Hate having to shop around after they hike it on your 2nd or 3rd year.

Found Co-Op to be fairly stable and have left house & car with them the longest since weve all been online.

http://www.co-opinsurance.co.uk/

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charon-the-ferryman

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#4
11/10/2017 at 12:50

just use Gocompere, or similar every year, don't accept renewals just start again - much cheaper  

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candw

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25795 posts
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#5
11/10/2017 at 15:09

It seems they're fucking you as well as Corbyn, chinky.

My home insurance renewal letter suggested I should shop around. I did and saved £300.

Honest capitalists, eh?  

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imperishablehcfc

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#6
11/10/2017 at 16:05

Update, nice young man at Green Flag on their on line chat advised me to do a fresh quote as they do not take into account call-outs. I did and the £80.64 on renewal became £61.60 for a new quote. He then altered my renewal to this amount, so incr now just from £59.40 to £61.60 so not too bad. Well worth 30 mins of my life.

Wonder how many £20, they skim of people with more demanding lives than me, lol. 

Fuck the short term we will build a 1000 year Hull City Reich 

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essexgull

8023 posts
First used 12/01/17

#7
11/10/2017 at 17:07

The UK insurance industry is eating itself - over-competition means that they're hardly making a bean at the moment, because they're all fighting to keep their prices lower than the competition, whilst pay-outs are going up for the reason that exiled mentioned.

You pay next to nothing for insurance in the UK, compared to the rest of the world, even though it's going up. Likewise with mobile and internet connections. Privatisation has worked well for the customer in these industries.

You can thank Scousers for your holiday insurance rates going up as well.



ESSEX GULL 

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exiled CITY AFC

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11115 posts
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#8
11/10/2017 at 18:24

All in a race to the bottom juggling your loyalty vs. Their margin and the fine print of the cover.

All of the mass market policies are underwritten by AXA anyway so all roads lead to the same policy.

Comparison sites are all just showing you the relative desperation of the brokers and how they have 'de-tuned' the cover when you read the fine print.

Meanwhile in the HNWI market its Chubb, Hiscox, or Zurich and thankfully when it comes to claims they just get on with it.

All the fraud is going on in the lower market anyway so it's agreed values, repairer of choice, agreed escalation for appreciating assets etc.

Still you get what you pay for which is circa 1% of the value insured.


Let it never be said that I was silent when they needed me - William Wilberforce 

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TedLloyd

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Hull City

#9
12/10/2017 at 11:58

Its 10 years since the Hull floods and my recollection was a vast difference in insurance payouts, response and support. From what you've said exiled would you think that the disparity in the 2007 claims would be evened out now but probably averaged lower?  

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exiled CITY AFC

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#10
12/10/2017 at 14:17

In a word NO: The industry only pays out what it needs to and unless you have paid for a broker that employs enough staff to chase the claims and get the best for their clients then you may well get the 'same' policy cheaper but less help when things go wrong. Ask any broker what %of their staff are in sales vs. Support - that will tell you right there how it's going to be should you have to claim.

Last year one of my cars was hit on the way out of a charity car show - the young lad who hit me was insured by Tesco. Right from the start when they realised the claim was going to be deep into six figures it was as if an army of people had been mobilised to minimise the claim. I wasn't taking the piss at all and just had to make sure they couldn't write off what is now a historically significant car. Thankfully I was with Hiscox and they got involved in the whole thing even though they really were not obliged to do anything except confirm my policy.  

Let it never be said that I was silent when they needed me - William Wilberforce 

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