Here's one for you insurance types - bikesure vs meerkats
Discussion
Bikesure chap gets in touch after contacting them via the PH sticky. Lad says the very lowest quote he can find is £700 quid plus. I thank him for his time and head straight to comparethemarket.com Type in the exact same info with no allowance for PH special deals etc. Among a lot of others, it throws up a Bikesure quote for £385.00
Ummm....?
Ummm....?
welcome to the black art of insurance premiums!
I generally dislike insurance companies, well the idiots they employ at low levels. I used to work for provident insurance, who handled all vauxhall 7 day cover then tried to sell their policies on the back of this. I hated every moment of it. I was only a call centre minion but the only thing i learnt was with that company every operator was given a 10% discount they could apply to any policy in order to sell it. So if they really wanted the sale they could give 10% off to one customer or whatever, as long as their average didnt exceed that 10%. So basically you could call up all day and not once receive the same price depending on the operator. They only seemed to employ young people either straight out of uni/school then with the offering of xbox's, crates of beer etc on top of their commission for x amount of sales it really did bring out the lies and sneakyness in a lot of these people. I dont know why im ranting about this as it doenst help you at all its just brought up bad memories of like 7/8 years ago. Im just bitter as i never got that xbox as i was s
te at selling.
I generally dislike insurance companies, well the idiots they employ at low levels. I used to work for provident insurance, who handled all vauxhall 7 day cover then tried to sell their policies on the back of this. I hated every moment of it. I was only a call centre minion but the only thing i learnt was with that company every operator was given a 10% discount they could apply to any policy in order to sell it. So if they really wanted the sale they could give 10% off to one customer or whatever, as long as their average didnt exceed that 10%. So basically you could call up all day and not once receive the same price depending on the operator. They only seemed to employ young people either straight out of uni/school then with the offering of xbox's, crates of beer etc on top of their commission for x amount of sales it really did bring out the lies and sneakyness in a lot of these people. I dont know why im ranting about this as it doenst help you at all its just brought up bad memories of like 7/8 years ago. Im just bitter as i never got that xbox as i was s
te at selling.I always use 3-4 comparison sites and play with the parameters to find out wtf is going on.
Usually find 1-2 that are decent and go from there.
Very rarely worth ringing up places individually unless you have a very odd/rare/classic vehicle.
Quotes often range from £600-10,000 and upto £1000 between same group/subsidiaries themselves.
I also found CTM to be the best last time as they were missing a security question that hiked up the price on other sites for me
Usually find 1-2 that are decent and go from there.
Very rarely worth ringing up places individually unless you have a very odd/rare/classic vehicle.
Quotes often range from £600-10,000 and upto £1000 between same group/subsidiaries themselves.
I also found CTM to be the best last time as they were missing a security question that hiked up the price on other sites for me
Discovered the issue. Phone quote disqualified the NCB, as the last date of cover was March 2013. CTM quote doesn't ask, so just counts whatever NCB you list.
I assume you then get shafted when you produce the certificate of NCB as the company you go with finally declares its too old...
I assume you then get shafted when you produce the certificate of NCB as the company you go with finally declares its too old...
Reardy Mister said:
Discovered the issue. Phone quote disqualified the NCB, as the last date of cover was March 2013. CTM quote doesn't ask, so just counts whatever NCB you list.
I assume you then get shafted when you produce the certificate of NCB as the company you go with finally declares its too old...
Generally all NCd expires 2 years after last use. That has been the same since NCD was invented and applies to cars and bikes equally. I assume you then get shafted when you produce the certificate of NCB as the company you go with finally declares its too old...
You may find the odd insurer who will take it but they are very very rare
LoonR1 said:
Reardy Mister said:
Discovered the issue. Phone quote disqualified the NCB, as the last date of cover was March 2013. CTM quote doesn't ask, so just counts whatever NCB you list.
I assume you then get shafted when you produce the certificate of NCB as the company you go with finally declares its too old...
Generally all NCd expires 2 years after last use. That has been the same since NCD was invented and applies to cars and bikes equally. I assume you then get shafted when you produce the certificate of NCB as the company you go with finally declares its too old...
You may find the odd insurer who will take it but they are very very rare
Fingers crossed its not 7yrs NCB flushed away....
I've done this for years,call one company,get a quote of say £480.Immediately tell themnyou've had a quote of £350.Say they come back with £320.
Call next company,hello,i've just had a quote of £290,and so on and so on.Main reason i starting lying and making up stuff like insurance companies do to us,was from the first car i ever insured,a Renault 5 turbo.Quoted £1450 from Kwikfit,just popped into my head on the phone that ive just had a quote for £720 mate,immediately went down to £650!!I learned quickly that day.
Thing is there's mugs out there that just think oh well,gulp,£1450 it is then...
Call next company,hello,i've just had a quote of £290,and so on and so on.Main reason i starting lying and making up stuff like insurance companies do to us,was from the first car i ever insured,a Renault 5 turbo.Quoted £1450 from Kwikfit,just popped into my head on the phone that ive just had a quote for £720 mate,immediately went down to £650!!I learned quickly that day.
Thing is there's mugs out there that just think oh well,gulp,£1450 it is then...
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