Has your insurance gone up?
Discussion
Heaveho said:
I'm on deadline day for insuring 5 vehicles. Three performance or sports cars, one very modified ( Mitsubishi Evo ), one classic with slight mods ( Mk1 MR2 ), a standard Boxster 3.2S 987, plus my other half's elderly IS300 Sportcross and a 2018 Ford Connect LWB work van.
I paid £1950 or so last year with Pace Ward. They want £2290 this year, nothing whatsoever has changed. I still regard it as cheap. A-Plan, now Howden have matched that, but offered breakdown cover in the UK and abroad.
My main sticking point with A-Plan being the absolutely appalling service I received from them when I last tried them. They have this on file and have assured me nothing like that will ever happen again. So far I've been very impressed with the efforts of the guy I'm dealing with in making the efforts he has, but I was left in a situation where they failed to cover me previously due to a mistake on their part, and I'm wary of being in the same position again.
Anyone had more recent experience of the new A-Plan with regard to service, claims etc?
So I posted this earlier. I've gone back with what was A-Plan based on services offered rather than price. And they've already had me over again. Sent me an email for each vehicle with it's own " portal " in which I'm supposed to be able to construct my own password via the policy number for each vehicle. It's failed at the first attempt, saying no such details exist, exactly like it did the last time. Which means I have no way of accessing the policies. I've taken screenshots of the emails with the policy numbers on, but there's nothing in those emails to say when the policy starts.I paid £1950 or so last year with Pace Ward. They want £2290 this year, nothing whatsoever has changed. I still regard it as cheap. A-Plan, now Howden have matched that, but offered breakdown cover in the UK and abroad.
My main sticking point with A-Plan being the absolutely appalling service I received from them when I last tried them. They have this on file and have assured me nothing like that will ever happen again. So far I've been very impressed with the efforts of the guy I'm dealing with in making the efforts he has, but I was left in a situation where they failed to cover me previously due to a mistake on their part, and I'm wary of being in the same position again.
Anyone had more recent experience of the new A-Plan with regard to service, claims etc?
So now I'm left with nothing to say I'm insured, which is exactly what happened the last time. And as it turned out, I wasn't on 2 separate occasions the last time, despite their assurances to the contrary. I've just paid them more than £2300 today for a repeat of the same old b
ks from 3 years ago, based on their absolute assurances they wouldn't let this happen again. "Maybe" a phone call tomorrow will be all it takes, but every instinct is telling me to get a refund tomorrow and go back to Pace Ward, despite the differences in services.Am I the only one dealing with this crap with these idiots?
Edited by Heaveho on Wednesday 1st May 21:52
TwigtheWonderkid said:
Mr Tidy said:
ThingsBehindTheSun said:
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"
If you go back a page my experience was that a non-fault claim against the insurer of the car that hit mine in the rear at a set of lights got me a £20 increase in premium and £50 added to the excess even though it cost them nothing. 
That's total b
ks - what justification can Twig offer for that? on their part.
Can I go back to the insurer of the driver at fault who paid my claim for the additional premium? Somehow I doubt the sharks at Admiral will be keen on that idea!
Bit of an odd one...
Any "normal" car (5k miles a year) that I have tried to insure has gone through the roof. Some insurers not even quoting.
Saab 9-3, BMW 125i...£600 a year.
Try to get a quote on a highly modified car...MX5 with a cage, agreed valuation and all legal cover...we can do that cheaper than last year Sir....sub £300.
I think that is man maths to keep buying modified cars.
Any "normal" car (5k miles a year) that I have tried to insure has gone through the roof. Some insurers not even quoting.
Saab 9-3, BMW 125i...£600 a year.
Try to get a quote on a highly modified car...MX5 with a cage, agreed valuation and all legal cover...we can do that cheaper than last year Sir....sub £300.
I think that is man maths to keep buying modified cars.
Mr Tidy said:
Someone went into the back of my 2005 BMW 330i last May and the bodyshop suggested by the insurer of the car that hit me manged to pad their estimate to over £2K for this.
BMW could supply a bumper cover in primer for just under £650, but Admiral decided it was a Cat N without even seeing the car and 2 weeks before they bothered to tell me. Then they low-balled me on the value.
ETA It gets worse though!
Last week before renewal I told my insurer I'd had a non-fault accident last year. It cost them nothing, but they stuck another £20 on the premium and £50 on the excess. F*ckers.
Stuff like this is literally the reason why insurance prices are what they are. BMW could supply a bumper cover in primer for just under £650, but Admiral decided it was a Cat N without even seeing the car and 2 weeks before they bothered to tell me. Then they low-balled me on the value.
ETA It gets worse though!
Last week before renewal I told my insurer I'd had a non-fault accident last year. It cost them nothing, but they stuck another £20 on the premium and £50 on the excess. F*ckers.
Edited by Mr Tidy on Sunday 28th April 23:50
This didn’t need anything more than a smart repair
Mr Tidy said:
Can I go back to the insurer of the driver at fault who paid my claim for the additional premium? Somehow I doubt the sharks at Admiral will be keen on that idea!
In theory it’s claimable but insurance industry ‘insiders’ will tell you it’s not. There was an example of success on here where Admiral was the insurer for both parties.
Sheepshanks said:
Mr Tidy said:
Can I go back to the insurer of the driver at fault who paid my claim for the additional premium? Somehow I doubt the sharks at Admiral will be keen on that idea!
In theory it’s claimable but insurance industry ‘insiders’ will tell you it’s not. There was an example of success on here where Admiral was the insurer for both parties.
Heaveho said:
A-plan stuff
My renewal from them came in £200 cheaper than last year, couldn't understand as I have an import which is usually more expensive so rang them up and checked everything (including my advising only non-fault) and confirm that's the premium so paid and thought nothing of it. 15 days before policy was due to start had a call saying that cover wasn't being provided as the underwriter didn't cover imported vehicles, why the fk did they even quote 
Turns out they thought it was the same model from the 1980's or something silly - it's not on a private plate or anything like that. Best quote they could get was £1,000 (up £400) from the 2023, so I went elsewhere - I'm still paying +£200 to cover other peoples stty choice in cars over last year's price 
So pretty rubbish on the one hand but then at least they caught it before my current policy expired so positives there I suppose? Current insurer emailed and sent hard copies of everything.
Mr Tidy said:
But why don't insurers share those statistics with their customers in this age of transparency? Maybe because it's just profiteering
on their part.
Why don't KFC share their secret blend of herbs and spices? An insurers stats are their intellectual property, the information only they have that they hope will give them an edge over their competitors. Why should they share it. How many businesses share what they believe is their formula for success? on their part.
Mr Tidy said:
Can I go back to the insurer of the driver at fault who paid my claim for the additional premium? Somehow I doubt the sharks at Admiral will be keen on that idea!
Why, it's not his fault your insurer now sees you as a higher risk. Many insurers don't load for a non fault claim, so go to one of those. Their premium might be higher, but not because of the claim. Maybe because they charge more for your area or age. Just had our renewal through from the Admiral. Almost double on last year, phoned the to cancel as I ran the cars through the Meercats website and it had come out cheaper than last year and they instantly matched the other quote. Takes the pi$$ but saved over £1,500 with a 5min phone call.
TwigtheWonderkid said:
Why don't KFC share their secret blend of herbs and spices? An insurers stats are their intellectual property, the information only they have that they hope will give them an edge over their competitors. Why should they share it. How many businesses share what they believe is their formula for success?
The thing is KFC can't take your money and refuse to give you any food if you mislead them about how hungry you were.LeeM135i said:
Just had our renewal through from the Admiral. Almost double on last year, phoned the to cancel as I ran the cars through the Meercats website and it had come out cheaper than last year and they instantly matched the other quote. Takes the pi$$ but saved over £1,500 with a 5min phone call.
You're too generous. They tried that on with me and I went elsewhere and I'll never do business with them again and take every opportunity to tell anyone who will listen that they are a bunch of sharks to be avoided at all costs.e-honda said:
TwigtheWonderkid said:
Why don't KFC share their secret blend of herbs and spices? An insurers stats are their intellectual property, the information only they have that they hope will give them an edge over their competitors. Why should they share it. How many businesses share what they believe is their formula for success?
The thing is KFC can't take your money and refuse to give you any food if you mislead them about how hungry you were.captain_cynic said:
e-honda said:
TwigtheWonderkid said:
Why don't KFC share their secret blend of herbs and spices? An insurers stats are their intellectual property, the information only they have that they hope will give them an edge over their competitors. Why should they share it. How many businesses share what they believe is their formula for success?
The thing is KFC can't take your money and refuse to give you any food if you mislead them about how hungry you were.LF5335 said:
Great, so we go down the route of State provided insurance that we pay for. How do you propose we do that? Bear in mind comparisons with Australia or New Zealand are well wide of the mark based on population density, car ownership, legal systems and so on. I’m also pretty certain that an insurance system run as well as the NHS or other massive nationalised stuff wouldn’t be ideal for us as taxpayers.
I hope you're getting paid for debasing yourself like this.You could just admit that Twig's analogy was way off the mark comparing fast food to insurance .. but instead you had to double down on stupid.
Yes the insurance market between Australia and the UK is compatible... You just don't like that the UK compares terribly.
BTW, Australian KFC is also far better than in the UK, despite being similar things.
captain_cynic said:
I hope you're getting paid for debasing yourself like this.
You could just admit that Twig's analogy was way off the mark comparing fast food to insurance .. but instead you had to double down on stupid.
Yes the insurance market between Australia and the UK is compatible... You just don't like that the UK compares terribly.
BTW, Australian KFC is also far better than in the UK, despite being similar things.
That's a bold claimYou could just admit that Twig's analogy was way off the mark comparing fast food to insurance .. but instead you had to double down on stupid.
Yes the insurance market between Australia and the UK is compatible... You just don't like that the UK compares terribly.
BTW, Australian KFC is also far better than in the UK, despite being similar things.
I can't even seem to access www.kfc.com.au from UK to view their menu.
What are they hiding from us?
captain_cynic said:
I hope you're getting paid for debasing yourself like this.
You could just admit that Twig's analogy was way off the mark comparing fast food to insurance .. but instead you had to double down on stupid.
Yes the insurance market between Australia and the UK is compatible... You just don't like that the UK compares terribly.
BTW, Australian KFC is also far better than in the UK, despite being similar things.
He wasn’t comparing insurance to fast food. He was comparing two businesses IP and why neither of them is likely to be sharing it with the public. Given this came about as someone claimed we’re in an era of transparency can you show me any businesses who are sharing their business model and unique data publicly. You could just admit that Twig's analogy was way off the mark comparing fast food to insurance .. but instead you had to double down on stupid.
Yes the insurance market between Australia and the UK is compatible... You just don't like that the UK compares terribly.
BTW, Australian KFC is also far better than in the UK, despite being similar things.
The UK and Australia share very little when it comes to the actual risk that is being priced for.
Do they have credit hire? What about a No Win, No Fee legal system? The right to claim for all torts no matter how small? Lease / HP / PCP cars comprising a huge share of the new car market? Population density? Poor condition roads? And so on? I picked Australia and New Zealand (they’re different countries if you didn’t know), as they both have a State run basic insurance scheme. I’m sure you’ll enlighten us with your expert knowledge of their system and how they price it, as I’m clearly too “stupid” to.
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