Insurance query,#
Discussion
So is it on a limited mileage policy or not? I presume you know what you bought?
tony wright said:
So another rip off scheme by insurance companies (now await one of Loon's obnoxious replies 
). My car is a 70k+ RRSport but that's not the point, £25 is bloody £25, better spent on a charity rather than lining the pockets of bloody insurance companies
I made it quite clear to my insurer (Lloyds) on the phone that the milage may just creep over the 6k, her answer was to basically lie and tell me I would need to increase the mileage in case of an accident I wouldn't be covered
Not once did she say it was estimated and not a limited mileage policy, but I suppose that's my fault for trusting supposedly proffesional people.
). My car is a 70k+ RRSport but that's not the point, £25 is bloody £25, better spent on a charity rather than lining the pockets of bloody insurance companies I made it quite clear to my insurer (Lloyds) on the phone that the milage may just creep over the 6k, her answer was to basically lie and tell me I would need to increase the mileage in case of an accident I wouldn't be covered Not once did she say it was estimated and not a limited mileage policy, but I suppose that's my fault for trusting supposedly proffesional people.tony wright said:
So another rip off scheme by insurance companies (now await one of Loon's obnoxious replies ). My car is a 70k+ RRSport but that's not the point, £25 is bloody £25, better spent on a charity rather than lining the pockets of bloody insurance companies I made it quite clear to my insurer (Lloyds) on the phone that the milage may just creep over the 6k, her answer was to basically lie and tell me I would need to increase the mileage in case of an accident I wouldn't be covered Not once did she say it was estimated and not a limited mileage policy, but I suppose that's my fault for trusting supposedly proffesional people.
You should know what you're buying, it's your responsibility to check the docs in advance of buying it. Oh and here's my obnoxious bit, by "Lloyds" do you mean the bank, or Lloyds of London. I know where my money is and I also like the reference to them ). My car is a 70k+ RRSport but that's not the point, £25 is bloody £25, better spent on a charity rather than lining the pockets of bloody insurance companies I made it quite clear to my insurer (Lloyds) on the phone that the milage may just creep over the 6k, her answer was to basically lie and tell me I would need to increase the mileage in case of an accident I wouldn't be covered Not once did she say it was estimated and not a limited mileage policy, but I suppose that's my fault for trusting supposedly proffesional people.Actually didn't know the difference. I've lived in Germany for the last twenty years and all my insurances was done through the most helpful broker you could ever imagine. I used a search engine (think it was the Meerkat one) on my return to the UK, then chose what suited me best and completed the rest on line, including annual mileage data.
tony wright said:
Actually didn't know the difference. I've lived in Germany for the last twenty years and all my insurances was done through the most helpful broker you could ever imagine. I used a search engine (think it was the Meerkat one) on my return to the UK, then chose what suited me best and completed the rest on line, including annual mileage data.
There couldn't be a bigger difference between the two. If it was bought through a price comparison website, then it will be Lloyds Bank and they won't put limited mileage policies on there, in fact I don't think they've got a white labelled one to even offer. You've bought an estimated mileage policy, which means as long as you don't take the piss, then you'll be fine on going over. Taking the piss is completely subjective, it is say up to 35% would be OK, but that's my personal take. LoonR1 said:
There couldn't be a bigger difference between the two. If it was bought through a price comparison website, then it will be Lloyds Bank and they won't put limited mileage policies on there, in fact I don't think they've got a white labelled one to even offer. You've bought an estimated mileage policy, which means as long as you don't take the piss, then you'll be fine on going over. Taking the piss is completely subjective, it is say up to 35% would be OK, but that's my personal take.
So now you can see why I'm slightly peed off as the lady from Lloyds insurance basically lied. I informed her there was a chance of going over the 6k by a couple of hundred miles at the 12 month point. I'm retired now so had a good idea of the mileage I would be doing (not withstanding an emergency). Why wouldn't she explain what you suggest is okay, if she wasn't purposely trying to get me to change my policy and incur the £25 admin fee.tony wright said:
So now you can see why I'm slightly peed off as the lady from Lloyds insurance basically lied. I informed her there was a chance of going over the 6k by a couple of hundred miles at the 12 month point. I'm retired now so had a good idea of the mileage I would be doing (not withstanding an emergency). Why wouldn't she explain what you suggest is okay, if she wasn't purposely trying to get me to change my policy and incur the £25 admin fee.
I agree, but sadly in the rush to offer ever cheaper insurance to meet the demand for it, then something has to give and often it's the skill set of the staff.TwigtheWonderkid said:
julian64 said:
loons bedside manner
[b][Patient] doc how long have I got to live
[loon] Don't buy any green bananas [/b]
Corrected for you.[b][Patient] doc how long have I got to live
[loon] Don't buy any green bananas [/b]
I'm going to have to borrow that one. Not really interested in any of the bickering and quoting specific parts of different policies to try an prove a point.
If you have any questions about YOUR insurance policy speak to YOUR insurer, don't ever rely on internet forums.
aka_kerrly said:
Not really interested in any of the bickering and quoting specific parts of different policies to try an prove a point.
If you have any questions about YOUR insurance policy speak to YOUR insurer, don't ever rely on internet forums.
Not sure you have read the above posts, but in case you missed it, actually asking an INTERNET FORUM instead of MY OWN insurance would of saved me £25.If you have any questions about YOUR insurance policy speak to YOUR insurer, don't ever rely on internet forums.
te. tony wright said:
aka_kerrly said:
Not really interested in any of the bickering and quoting specific parts of different policies to try an prove a point.
If you have any questions about YOUR insurance policy speak to YOUR insurer, don't ever rely on internet forums.
Not sure you have read the above posts, but in case you missed it, actually asking an INTERNET FORUM instead of MY OWN insurance would of saved me £25.If you have any questions about YOUR insurance policy speak to YOUR insurer, don't ever rely on internet forums.
Don't worry though I completely understand the hatred toward insurance companies and their attitudes toward mid term adjustment/admin/material change fees when all you ask is a simple question or make a minor change to your policy with the belief you are doing "the right thing."
aka_kerrly said:
Reading your policy documents would have saved you £25 and a few hours on the internet.
Don't worry though I completely understand the hatred toward insurance companies and their attitudes toward mid term adjustment/admin/material change fees when all you ask is a simple question or make a minor change to your policy with the belief you are doing "the right thing."
You're right it's completely unfair to charge people to make amendments when all the staff and processes cost nothing to develop amd maintain. Don't worry though I completely understand the hatred toward insurance companies and their attitudes toward mid term adjustment/admin/material change fees when all you ask is a simple question or make a minor change to your policy with the belief you are doing "the right thing."
Or would you prefer everyone pays more to cover the 10% who make changes each year?
someone phoned an insurance call centre and was given the wrong information and told they must pay an admin fee, now there's a story i've not heard, for days
they can't have it both ways, they can't be unclear about things, and have a catch all, of if unsure phone your insurer and ask them when that path is heavily weighted in favour of the insurer.
If you make a mistake, like misunderstanding that commuting is a higher level of insurance than sd&p because you are under the impression they would view someone who does most thier annual mileage sat in commuter traffic on the same route every single day, as a lower risk than someone who's using the car for school runs, super market trips and holidays abroad, then it's all your fault, and if you take your weekend car to the office 1 day a week, you should have it crushed and be sent to jail, because it saved you £10. But if they charge you an admin fee because you told them you've got winter tyres, your annual mileage estimate might be 3% less than you actually used, they don't give you 2 cars if your's gets written off and turns out they over charged you so your policy is extra valid, or your claim increased by the % you were over charged by, but the opposite happens in the opposite situation.
they can't have it both ways, they can't be unclear about things, and have a catch all, of if unsure phone your insurer and ask them when that path is heavily weighted in favour of the insurer.
If you make a mistake, like misunderstanding that commuting is a higher level of insurance than sd&p because you are under the impression they would view someone who does most thier annual mileage sat in commuter traffic on the same route every single day, as a lower risk than someone who's using the car for school runs, super market trips and holidays abroad, then it's all your fault, and if you take your weekend car to the office 1 day a week, you should have it crushed and be sent to jail, because it saved you £10. But if they charge you an admin fee because you told them you've got winter tyres, your annual mileage estimate might be 3% less than you actually used, they don't give you 2 cars if your's gets written off and turns out they over charged you so your policy is extra valid, or your claim increased by the % you were over charged by, but the opposite happens in the opposite situation.
Blah, blah, blah. Donyounreally believe that everyone should have everything spoon fed for the whole of their life?
Do you have any concept of the cost of offering perfect service? More importantly would you pay for it? Unless you're currently insured by Chubb or Hiscox or another Private Client set up then I think we know the answer to that.
Go use Private Banking, or at the least an account that you pay for and receive a 1-1 service from a dedicated manager? If not, why not? Do you value price over service, because that's what you're suggesting.
Insurers get things wrong, as do all businesses. You can't police all your staff all of the time to do everything absolutely correctly. However, the more you pay and train them the less these issues happen. Unfortunately he public won't buy a product that priced to cover all the salaries and training.
Do you have any concept of the cost of offering perfect service? More importantly would you pay for it? Unless you're currently insured by Chubb or Hiscox or another Private Client set up then I think we know the answer to that.
Go use Private Banking, or at the least an account that you pay for and receive a 1-1 service from a dedicated manager? If not, why not? Do you value price over service, because that's what you're suggesting.
Insurers get things wrong, as do all businesses. You can't police all your staff all of the time to do everything absolutely correctly. However, the more you pay and train them the less these issues happen. Unfortunately he public won't buy a product that priced to cover all the salaries and training.
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