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Cost of motor insurance to rise - part 157
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  #121  
Old 10-07-2012, 07:28 PM
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Not sure how true it is but my mate the insurance broker says that you need to be very, very careful with Admiral. He reckons that if you have an accident and are breathalysed, even if it comes back clear they will refuse to pay.

A lot of the companies that come up with the lowest premiums using those comparson web-sites turn out to be just a white-label for Admiral as well.
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  #122  
Old 10-07-2012, 07:32 PM
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Funny that this thread came up today, I am currently in the midst of getting renewal quotes for my motor policy. I am sure that the websites I've looked at so far are deliberately designed to be confusing.

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  #123  
Old 10-07-2012, 07:40 PM
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Quote:
Originally Posted by Gooders
Just read a report from the Society of Actuaries or some such body which reports that in each of the last two years, Insurers have lost around 6p for every £1 they have taken in premiums.

These numbers are almost 100% related to the proliferation of "Injury Lawyers for You" type companies resulting in grossly inflated claims. The number of supposed "whiplash" injuries is staggering.

It's a ****ed up world.

Aren't the government trying to bring in a law to change this? Something to do with paying a doctor to give you a proper look over if you claim whiplash. Also banning no win no fee claims.
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  #124  
Old 10-07-2012, 07:45 PM
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Quote:
Originally Posted by Gooders
Not sure how true it is but my mate the insurance broker says that you need to be very, very careful with Admiral. He reckons that if you have an accident and are breathalysed, even if it comes back clear they will refuse to pay.

A lot of the companies that come up with the lowest premiums using those comparson web-sites turn out to be just a white-label for Admiral as well.

I would suggest your mate is talking bollocks

Any accident requiring police attendance will end up with you being breathalysed.

As long as you are under the legal limit, and therefore entitled to be driving there is no way they can avoid paying out, on that basis at least
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  #125  
Old 10-07-2012, 08:06 PM
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Quote:
Originally Posted by 917L
I would suggest your mate is talking bollocks

Any accident requiring police attendance will end up with you being breathalysed.

As long as you are under the legal limit, and therefore entitled to be driving there is no way they can avoid paying out, on that basis at least
I had a crash few years ago, copper asked me if I've had a drink I said "no, i'm on the way to work" he said fair enough, no breathalyser.
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  #126  
Old 10-07-2012, 08:13 PM
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Quote:
Originally Posted by mushroom
I had a crash few years ago, copper asked me if I've had a drink I said "no, i'm on the way to work" he said fair enough, no breathalyser.

Things are different to a few years ago, and the fact he chose not to test you doesnt change the fact its an almost instinctive action with any traffic accident (understandably)
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  #127  
Old 10-07-2012, 08:17 PM
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Funny how when your renewal comes through that its about £300 more than if you renew online.Churchill wouldnt match it even though it was a saved quote so i just let it cancel at end of the month and done it online. And as for £70 no claims protection what a joke ,Morethan done it for about £25 .
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  #128  
Old 24-09-2012, 11:51 AM
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It's that time of year again, renewal comes through at about £100 more than I paid last year.

Searching on Confused, Go Compare and Compare the Market, they all come back with Quote Me Happy as the best price. Oddly enough, despite the same details being entered, Quote me Happy's price on the three varies (£450 on confused, £434 on Go Compare and £354 on Compare the Market).

anyone used Quote me Happy?
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  #129  
Old 24-09-2012, 01:55 PM
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You must be a bad risk, Kolinkins, as the insurance press today reports an average 10.6% decrease in premiums since last year: http://www.insuranceage.co.uk/insura...10-annual-fall.
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  #130  
Old 24-09-2012, 03:40 PM
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Actually since posting it and telling Admiral of my change in job title and of the other prices I have had, they have come down by £200.

Whether I stick with them of not depends on whether I can be bothered with the hassle of changing insurer.

EDIT: the rise in price was odd as well given that I also now have 4 years NCB.
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  #131  
Old 24-09-2012, 03:49 PM
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Mines coming up soon. The first time I've had to renew so hoping it will go down from the £1500 it was last year. Let's face it though it's not going to be any less than a grand.
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  #132  
Old 24-09-2012, 03:50 PM
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Quote:
Originally Posted by kolinkins
EDIT: the rise in price was odd as well given that I also now have 4 years NCB.

I have had decades of NCB, young one.

That doesn't stop premiums rising.
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  #133  
Old 24-09-2012, 03:52 PM
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Quote:
Originally Posted by Maz
I have had decades of NCB, young one.

That doesn't stop premiums rising.

Well it's come down so there.
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  #134  
Old 24-09-2012, 04:01 PM
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Quote:
Originally Posted by Maz
I have had decades of NCB, young one.

That doesn't stop premiums rising.

But there is the expectation of a reduction in premium when going from 3 to 4 years NCB.
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  #135  
Old 24-09-2012, 04:10 PM
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Originally Posted by Selhurst300
But there is the expectation of a reduction in premium when going from 3 to 4 years NCB.
Oh OK.
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  #136  
Old 10-10-2012, 12:20 PM
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Sorted now - was uneasy with Quote me Happy being online only & I noticed on their site they are underwritten by Aviva. so I contacted Aviva and got the best deal of the lot. £300 less than Admiral's renewal quote.
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  #137  
Old 10-10-2012, 12:30 PM
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As an aside I note the ABI won an important court decision today, Simmons v Castle, in the COA. Believed to save the insurance industry about £300m which according to the ABI press release represents a saving of about £13 on every car insurance premium.
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