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astonbuilder
Member Since: 29 Sep 2006
Location: MIDLANDS
Posts: 8143
  
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| This years insurance malarkey..... |
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Contents cover quote from existing insurer went up from last years £358.57 to £438.51, an increase of 22% 
Rang them up and got the usual flannel that annual risk increases, blah, blah, blah.
Tried to engage me with re-filling out the quote form from scratch and I just said nothing has changed, cover exactly the same (and that, in theory is what the renewal quotes for anyway....) and they uhm and aah and initially quote me a 'loyalty discount reduction' to £398.64.
Said that didn't explain the increase, still over 11%, and unless they got it to around "same as last year" I would be looking elsewhere.
All of a sudden they can manage to reduce it to £306.14.........
They frustrate the hell out of me every year; car, 'bike, home, etc.
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 4th Mar 2019 9:16 am |
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Iguana
Member Since: 14 Oct 2013
Location: 'Sunny' Zomerset
Posts: 9424
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Frustrated the  out of me also, all 4 cars and house are with the same company on a multi quote, but every year it goes up by 20% or so, but eventually after threatening to leave I get it back around last year's quote!
I always spend a bit of time on the comparison sites, before going back to my insurer Iggy/Ieuan
Current LR =
2015 RR Sport Autobiography
&
1992 Land Rover Defender Camper
- Gone but not forgotten:
MY10 D4 GS
MY05 Disco 3 'S'
MY14 FL2 HSE manual in Blue
MY15 Disco 4 HSE Lux in Santorini Black
MY08 Disco 3 SE manual in Buck Blue
1960 Series 2 88" (No idea why I sold it!)
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| 4th Mar 2019 9:49 am |
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RRSTDV8
Member Since: 07 Apr 2014
Location: Here
Posts: 13557
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Following Grenfell Tower, professional indemnity prices have gone up by more than 300%. And there's a limited number of providers. So that'll be "over a barrel" applying then. Visiting from rrsport.co.uk
2012 RRS SDV6
2008 RRS TDV8
"When you fire that first shot, no matter how right you feel, you have no idea who's going to die! You don't know who's children are going to scream and burn. How many hearts will be broken. How many lives shattered. How much blood will spill, until everybody does what they were always going to have to do from the very beginning: SIT DOWN AND TALK!"
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| 4th Mar 2019 3:16 pm |
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astonbuilder
Member Since: 29 Sep 2006
Location: MIDLANDS
Posts: 8143
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a tenuous link, at the very hardest of pushes, to my contents insurance (based on postcode/area risk too supposedly) but given a phone call and a "I don't think so" got it reduced from a 22% increase to a 15% reduction just further proves what a load of it all is....... 
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| 4th Mar 2019 3:22 pm |
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lespes
Member Since: 17 Sep 2009
Location: Sitting Down
Posts: 2232
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Its all made up stuff 
Lets take for example they look at all the stats for taking a policy out on a full moon, sure they will find some stat or other to quote, has it any relevance 
A  s for car insurance, I mean you can only have No claims discount for one car per policy, but have a claim and it increases all your insured vehicles. D4 Landmark MY16 Santorini Black THE LAST
D4 HSE MY12 Marmais Teal: Gone. Missed a lot!
Freelander 2 SD HSE MY11 Silver:Thankfully gone.
D4 HSE MY11 Silver: Gone missed !
Range Rover Sport MY06 HSE Buck Blue: Gone missed!
Discovery D2 TD5 Facelift MY Red Gone Missed!
Discovery D2 TD5 Cobalt Blue: Gone Missed!
Discovery D1 Auto Oxford Blue Not missed at all!
Discovery D1 Avalon Blue First LR! missed!
Now demoted to a VW
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| 4th Mar 2019 4:44 pm |
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pjm-84
Member Since: 04 Oct 2016
Location: Hampshire
Posts: 2595
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Quote:Following Grenfell Tower, professional indemnity prices have gone up by more than 300%. And there's a limited number of providers. So that'll be "over a barrel" applying then.
Tell me about. Renewed on Friday. Cost me £3200. "Broadest brush" exclusion wording ever for external cladding materials. Refused to clarify any wording or meaning in regards to the exclusion.
So I renewed and because legal advice is provided as part of the policy I asked for further clarification. The response was amusing.
Talk of the devil... policy documents have just come through by email.
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| 4th Mar 2019 4:55 pm |
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RRSTDV8
Member Since: 07 Apr 2014
Location: Here
Posts: 13557
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lespes wrote:
A s for car insurance, I mean you can only have No claims discount for one car per policy, but have a claim and it increases all your insured vehicles.
I've also found that NCD isn't as generous as it used to be in some cases. Back in the day, a good few years of NCD was a 70% discount off the policy price. I've seen the same good few years now only giving 30% even though it's considered to be "full NCD". Visiting from rrsport.co.uk
2012 RRS SDV6
2008 RRS TDV8
"When you fire that first shot, no matter how right you feel, you have no idea who's going to die! You don't know who's children are going to scream and burn. How many hearts will be broken. How many lives shattered. How much blood will spill, until everybody does what they were always going to have to do from the very beginning: SIT DOWN AND TALK!"
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| 4th Mar 2019 5:30 pm |
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lespes
Member Since: 17 Sep 2009
Location: Sitting Down
Posts: 2232
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^^^^
And protected no claims
Ditched it last yr, gave 1 accident in 1 yr for a 15% increased premium.
~Insured the wifes car in my name 2 yrs ago, with her named, which was £50 cheaper with me starting new policy with no claims discount, than her doing the same with 12 years NCB D4 Landmark MY16 Santorini Black THE LAST
D4 HSE MY12 Marmais Teal: Gone. Missed a lot!
Freelander 2 SD HSE MY11 Silver:Thankfully gone.
D4 HSE MY11 Silver: Gone missed !
Range Rover Sport MY06 HSE Buck Blue: Gone missed!
Discovery D2 TD5 Facelift MY Red Gone Missed!
Discovery D2 TD5 Cobalt Blue: Gone Missed!
Discovery D1 Auto Oxford Blue Not missed at all!
Discovery D1 Avalon Blue First LR! missed!
Now demoted to a VW
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| 4th Mar 2019 6:33 pm |
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tcr4x4
Member Since: 24 Jan 2010
Location: England
Posts: 1526
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I’ve got 15 years no claims yet still my policy is over £300 for the d3. Every year it increases by £100 or more, so every year I waste my time doing comparisons. At one point out of principle I wouldn’t renew with a company even if they offered to reduce it or match after ringing them. Trouble is, I ran out of companies with a sensible price pretty quick, so now tend to stick with the big names and play them off each other.
Shock horror, last year, my renewal actually went down. I’m sure it was a typo, but i paid it quick 
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| 4th Mar 2019 10:39 pm |
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Moo
D3 Decade
Member Since: 13 Aug 2010
Location: UK
Posts: 14430
 
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I use APlan and Adrian Flux. I don't seem to have these issues. This year I had no increases on two policies and a reduction on one, the other went up very slightly because I had a small bump in France 
I use these two insurers because I talk to humans that understand things rather than computers that don't. D4 HSE EU6 (Known as Jeeves)
New Defender L663 110 SE (known as Noddy!) Sold
Sold Volvo XC90 R-Design (known as Basil)
Sold - D4 HSE (Known as Gerty)
No longer the Old Buses original owner 
231,000 miles and counting
05 S manual owned from March 2005
D4 Face lifted
Still original injectors and turbo
V8 Front brakes
BAS Remap, Allisport Intercooler and deCat
EGRs blanked
T-Max split charge
Hanibal Expeedition rack
Prospeed ladder
Duratrac tyres
IID BT
BAS FBH control
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| 4th Mar 2019 10:47 pm |
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RRSTDV8
Member Since: 07 Apr 2014
Location: Here
Posts: 13557
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I used Adrian Flux previously on my TDV8. Weren't the cheapest but they covered off road use etc. When I had the TDV8 and it's replacement on the drive I asked if they could do me a bridging deal for a few weeks. Nope. One had to be full price even though the TDV8 wouldn't be going anywhere other than a possible test drive. They wanted over £800 for the one that didn't have NCD. After the TDV8 went, I asked them for a quote on the SDV6 with all of the NCD applied. Still over £800 strangely! Went elsewhere.
Insurance companies are, to every man jack of them, a bunch of . Visiting from rrsport.co.uk
2012 RRS SDV6
2008 RRS TDV8
"When you fire that first shot, no matter how right you feel, you have no idea who's going to die! You don't know who's children are going to scream and burn. How many hearts will be broken. How many lives shattered. How much blood will spill, until everybody does what they were always going to have to do from the very beginning: SIT DOWN AND TALK!"
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| 5th Mar 2019 12:00 am |
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euangibson
Member Since: 24 Dec 2010
Location: Borders
Posts: 11027
 
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I renewed mine yesterday. It had only gone up £4 from last years premium to around £350 (through Tesco), but I thought I’d just give them a bell anyway for the hell of it. 2 minutes later it was below £300.
It’s always worth a call even if it hasn’t gone up "Better to remain silent and be thought a fool,than to speak out and remove all doubt" ?.....what rubbish...
Locking rear E-diff
RLD spare wheel protector & sump guard
Extended roof rails
Series 111 mudflaps
Black side tubes,grill and vents
Timed climate remote
Hids4u interior lights
D4 Firenze my2012 HSE
D3 Java 2005 SE manual (sold,sadly,thanks for the memories)
1966 '88 Series 2a....still starts in the morning better than I do...
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| 5th Mar 2019 12:18 pm |
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