Has your insurance gone up?
Discussion
croyde said:
Why not cancel then renew with them online.
I did that with Admiral for years
This is why I think auto-renew should be off by default. I did that with Admiral for years
If I have to go looking for a better deal (and by this I mean only a small increase instead of 50-100%) then I shouldn't have to waste even more time cancelling an auto-renewing policy.
If they had to get my permission to renew with the default answer being "no" then they would be less willing to take the piss with renewals.
captain_cynic said:
This is why I think auto-renew should be off by default.
If I have to go looking for a better deal (and by this I mean only a small increase instead of 50-100%) then I shouldn't have to waste even more time cancelling an auto-renewing policy.
If they had to get my permission to renew with the default answer being "no" then they would be less willing to take the piss with renewals.
Yes, I couldn't see any way to disable it online either. The only option was a Cancel option but I wasn't sure if that was to cancel my current policy or if there was also the option the cancel the renewal.If I have to go looking for a better deal (and by this I mean only a small increase instead of 50-100%) then I shouldn't have to waste even more time cancelling an auto-renewing policy.
If they had to get my permission to renew with the default answer being "no" then they would be less willing to take the piss with renewals.
I thought it was easier to call them than risk cancelling my current policy and causing all sorts of problems. Plus I honestly thought they would offer me a better price but the person on the phone couldn't care less.
captain_cynic said:
This is why I think auto-renew should be off by default.
If I have to go looking for a better deal (and by this I mean only a small increase instead of 50-100%) then I shouldn't have to waste even more time cancelling an auto-renewing policy.
If they had to get my permission to renew with the default answer being "no" then they would be less willing to take the piss with renewals.
I agree with that, although I do think it would increase the number of people who are driving around uninsured.If I have to go looking for a better deal (and by this I mean only a small increase instead of 50-100%) then I shouldn't have to waste even more time cancelling an auto-renewing policy.
If they had to get my permission to renew with the default answer being "no" then they would be less willing to take the piss with renewals.
You often hear stories of MOT, tax running out and people 'forgetting' to renew them. The main idea of auto-renew is that it prevents this from happening with insurance too.
aturnick54 said:
I agree with that, although I do think it would increase the number of people who are driving around uninsured.
You often hear stories of MOT, tax running out and people 'forgetting' to renew them. The main idea of auto-renew is that it prevents this from happening with insurance too.
I knew someone would post something like this.You often hear stories of MOT, tax running out and people 'forgetting' to renew them. The main idea of auto-renew is that it prevents this from happening with insurance too.
I don't think it will. There aren't millions of card driving around without MOT or VED bevause they don't auto-renew by default.
Insurance auto-renew is there entirely to rip people off.
aturnick54 said:
I agree with that, although I do think it would increase the number of people who are driving around uninsured.
You often hear stories of MOT, tax running out and people 'forgetting' to renew them. The main idea of auto-renew is that it prevents this from happening with insurance too.
Yup but perpetually pandering to the few adults who can't operate a calendar and falling back onto a solution that tends to favour higher commercials isn't brilliant. You often hear stories of MOT, tax running out and people 'forgetting' to renew them. The main idea of auto-renew is that it prevents this from happening with insurance too.
Bizarrely, given the computers and screens inside cars these days it doesn't seem impossible to put the reminders into the vehicle so they pop up like service reminders. Especially as most countries have very similar annual events.
They could then go the next step and disengage the ignition when the insurance expires.
!!!captain_cynic said:
I knew someone would post something like this.
I don't think it will. There aren't millions of card driving around without MOT or VED bevause they don't auto-renew by default.
Insurance auto-renew is there entirely to rip people off.
As much as we all moan on here, the sad reality is that PH is full of people pushing the stuff we’re railing against here. I don't think it will. There aren't millions of card driving around without MOT or VED bevause they don't auto-renew by default.
Insurance auto-renew is there entirely to rip people off.
“I’ve just been caught for no insurance. I thought it automatically renewed” loads will agree claim it’s an insurance scam and that all insurance should auto renew.
“My insurance has just auto renewed for £81,345 when it’s 85p last year” loads will now claim auto renew is a disgrace and an insurance scam. Should be illegal.
“Someone crashed into my pristine car” Demand full body shell replacement and full renewal of internal on your 2005 Citroen Picasso. It’s your right. Here’s a hire car company that I used, they were awesome. Don’t worry the other side pays.
“I’ve crashed into someone who was stopped at a red light” Aaarrgggghhhh it’s a scam. Cash for crash. Bet it was in Bradford. Don’t pay. Deny it. Tell your insurance not to pay.
All extreme examples of replies, but you will find similar just by scrolling through today’s posts.
ThingsBehindTheSun said:
croyde said:
Why not cancel then renew with them online.
I did that with Admiral for years
eSure are cheaper. I would have had happily paid the extra £15 to stay with them for the lack of hassle, but might as well go elsewhere now.I did that with Admiral for years
Edited by Sheepshanks on Tuesday 30th April 08:40
captain_cynic said:
aturnick54 said:
I agree with that, although I do think it would increase the number of people who are driving around uninsured.
You often hear stories of MOT, tax running out and people 'forgetting' to renew them. The main idea of auto-renew is that it prevents this from happening with insurance too.
I knew someone would post something like this.You often hear stories of MOT, tax running out and people 'forgetting' to renew them. The main idea of auto-renew is that it prevents this from happening with insurance too.
I don't think it will. There aren't millions of card driving around without MOT or VED bevause they don't auto-renew by default.
Insurance auto-renew is there entirely to rip people off.
If anyone needs auto-renewal for insurance they probably don't remember to renew the MOT, so the insurer is unlikely to actually provide any cover even if they have taken the money!
Mr Tidy said:
Exactly that!
If anyone needs auto-renewal for insurance they probably don't remember to renew the MOT, so the insurer is unlikely to actually provide any cover even if they have taken the money!
In any case, the option to auto-renew can be there, just not enabled by default. If anyone needs auto-renewal for insurance they probably don't remember to renew the MOT, so the insurer is unlikely to actually provide any cover even if they have taken the money!
fatjon said:
When will people learn. Renewal is an opportunity to screw lazy people. It’s almost unknown for a renewal to be competitive, they just hope you will take the path of least resistance, hence the industry lobbying to allow auto renewal.
Did you read the earlier posts?Most people did shop around & the other quotes were often more expensive or the same.
Auto-renewal, you get plenty of warning of the renewal price. Plenty of time to shop around.
Mr Tidy said:
Exactly that!
If anyone needs auto-renewal for insurance they probably don't remember to renew the MOT, so the insurer is unlikely to actually provide any cover even if they have taken the money!
No MOT invalidates the whole policy? I thought this urban myth had been put to bed a long time ago. If anyone needs auto-renewal for insurance they probably don't remember to renew the MOT, so the insurer is unlikely to actually provide any cover even if they have taken the money!
James6112 said:
Did you read the earlier posts?
Most people did shop around & the other quotes were often more expensive or the same.
Auto-renewal, you get plenty of warning of the renewal price. Plenty of time to shop around.
Makes no difference how much time you have if you don’t do it, and it makes no difference how much you do it if you’re just typing the same stuff into the same places. Clear caches and create new accounts so they can’t see everywhere you’ve been before them. Job titles can be flexible. There are many things that can affect your price. Most insurers run a credit search. It’s not just to see if you can be trusted with monthly terms, it’s because people who don’t pay their bills are statistically bad risks.Most people did shop around & the other quotes were often more expensive or the same.
Auto-renewal, you get plenty of warning of the renewal price. Plenty of time to shop around.
LF5335 said:
Mr Tidy said:
Exactly that!
If anyone needs auto-renewal for insurance they probably don't remember to renew the MOT, so the insurer is unlikely to actually provide any cover even if they have taken the money!
No MOT invalidates the whole policy? I thought this urban myth had been put to bed a long time ago. If anyone needs auto-renewal for insurance they probably don't remember to renew the MOT, so the insurer is unlikely to actually provide any cover even if they have taken the money!
LF5335 said:
As much as we all moan on here, the sad reality is that PH is full of people pushing the stuff we’re railing against here.
“I’ve just been caught for no insurance. I thought it automatically renewed” loads will agree claim it’s an insurance scam and that all insurance should auto renew.
Exactly this. There have been threads in the past from people claiming lack of auto renewal is an insurance rip off because they want people to get an IN10 conviction so they can be charged extra on their insurance for the next 5 years. And loads of people agreeing. “I’ve just been caught for no insurance. I thought it automatically renewed” loads will agree claim it’s an insurance scam and that all insurance should auto renew.
Bottom line, if someone makes the point that insurance is a rip off, most people will agree, regardless of the reason.
Sheepshanks said:
It’ll be cheaper online with the same company because it’s a different policy, but the differences can be very subtle. Be careful if you ever use DOC cover, that’s a favourite for being dropped.
Like a lot of people I used to assume that if you had a fully comprehensive policy then you were covered to drive any other car. It is only after looking into this I realised this was not the case, so I always check the insurance documentation to ensure it does cover DOC cover before I sign up.I drive a shed, so in reality I am never going to claim on my insurance anyway, it is only there for legal reasons and in case I drive into someone else.
I had someone drive into the back of me about 10 years ago whilst I was stationary, I was quite relieved when they did a runner as it meant I wouldn't have to have all the hassle of making a claim and the other driver lying that I drove into them. I assume if you claim even if it wasn't your fault it effects your insurance as they ask "any accidents, claims or convictions in the last five years"
ThingsBehindTheSun said:
Like a lot of people I used to assume that if you had a fully comprehensive policy then you were covered to drive any other car. It is only after looking into this I realised this was not the case, so I always check the insurance documentation to ensure it does cover DOC cover before I sign up.
I drive a shed, so in reality I am never going to claim on my insurance anyway, it is only there for legal reasons and in case I drive into someone else.
I had someone drive into the back of me about 10 years ago whilst I was stationary, I was quite relieved when they did a runner as it meant I wouldn't have to have all the hassle of making a claim and the other driver lying that I drove into them. I assume if you claim even if it wasn't your fault it effects your insurance as they ask "any accidents, claims or convictions in the last five years"
Lots of assumptions, mostly incorrect. Important to perpetuate the myths though as mentioned earlier. I drive a shed, so in reality I am never going to claim on my insurance anyway, it is only there for legal reasons and in case I drive into someone else.
I had someone drive into the back of me about 10 years ago whilst I was stationary, I was quite relieved when they did a runner as it meant I wouldn't have to have all the hassle of making a claim and the other driver lying that I drove into them. I assume if you claim even if it wasn't your fault it effects your insurance as they ask "any accidents, claims or convictions in the last five years"
LF5335 said:
ThingsBehindTheSun said:
Like a lot of people I used to assume that if you had a fully comprehensive policy then you were covered to drive any other car. It is only after looking into this I realised this was not the case, so I always check the insurance documentation to ensure it does cover DOC cover before I sign up.
I drive a shed, so in reality I am never going to claim on my insurance anyway, it is only there for legal reasons and in case I drive into someone else.
I had someone drive into the back of me about 10 years ago whilst I was stationary, I was quite relieved when they did a runner as it meant I wouldn't have to have all the hassle of making a claim and the other driver lying that I drove into them. I assume if you claim even if it wasn't your fault it effects your insurance as they ask "any accidents, claims or convictions in the last five years"
Lots of assumptions, mostly incorrect. Important to perpetuate the myths though as mentioned earlier. I drive a shed, so in reality I am never going to claim on my insurance anyway, it is only there for legal reasons and in case I drive into someone else.
I had someone drive into the back of me about 10 years ago whilst I was stationary, I was quite relieved when they did a runner as it meant I wouldn't have to have all the hassle of making a claim and the other driver lying that I drove into them. I assume if you claim even if it wasn't your fault it effects your insurance as they ask "any accidents, claims or convictions in the last five years"
You said lots, mostly incorrect, where are the other assumptions and what is incorrect about them.
e-honda said:
LF5335 said:
ThingsBehindTheSun said:
Like a lot of people I used to assume that if you had a fully comprehensive policy then you were covered to drive any other car. It is only after looking into this I realised this was not the case, so I always check the insurance documentation to ensure it does cover DOC cover before I sign up.
I drive a shed, so in reality I am never going to claim on my insurance anyway, it is only there for legal reasons and in case I drive into someone else.
I had someone drive into the back of me about 10 years ago whilst I was stationary, I was quite relieved when they did a runner as it meant I wouldn't have to have all the hassle of making a claim and the other driver lying that I drove into them. I assume if you claim even if it wasn't your fault it effects your insurance as they ask "any accidents, claims or convictions in the last five years"
Lots of assumptions, mostly incorrect. Important to perpetuate the myths though as mentioned earlier. I drive a shed, so in reality I am never going to claim on my insurance anyway, it is only there for legal reasons and in case I drive into someone else.
I had someone drive into the back of me about 10 years ago whilst I was stationary, I was quite relieved when they did a runner as it meant I wouldn't have to have all the hassle of making a claim and the other driver lying that I drove into them. I assume if you claim even if it wasn't your fault it effects your insurance as they ask "any accidents, claims or convictions in the last five years"
You said lots, mostly incorrect, where are the other assumptions and what is incorrect about them.
I have had fully comprehensive policies in the past that I assumed allowed me to drive other cars. When checking the actual policy wording it turns out I wasn't covered so it is one of the things I always check now when taking out a policy.
I 100% drive a shed and I have never claimed on my insurance in 32 years of driving. If I damage the car or if someone damages it in a car park or doesn't stop I would never claim, I would either not worry about it or repair it myself with second hand eBay parts.
As you say, the only assumption I have made is that if you make a no fault claim on someone else's insurance then your policy will go up the following year as well. This could well be incorrect, I have no point of reference as like I said I have never had a claim.
ThingsBehindTheSun said:
I drive a shed, so in reality I am never going to claim on my insurance anyway, it is only there for legal reasons and in case I drive into someone else.
"in case I drive into someone else" makes up 85-90% of the insurance premium, and insurers costs. So by driving a shed you're not reducing your risk to insurers by very much at all. Gassing Station | General Gassing | Top of Page | What's New | My Stuff