The joke they call insurance

Earlier this year I had ^6 points removed from my licence,this gave me a clean licence, When I tried to inure my car I put on the form no points,and got rejected, so I phoned them up and it seems although the points only stay on the licence for three years, for insurance purposes they stay on for five years.
the insurers ESURE say that because I made a false statement on my app. it will now cost me almost £300 more to insure my car.
This is a bloody joke.

Insurance companies will do their level best to screw you over.

Yep. Points last for 3 yrs, stay on your licence for 4yrs but insurers say they are valid for 5 yrs. Law unto themselves and if you do need to use them they WILL ALWAYS say you’re not covered to start with.

They reckon that if you want to really claim you’ll have to work hard to get it! Scum bags really but the law doesn’t regulate money making toe rags! :wink:

And they ask what the value of your vehicle is and tell you it isn’t that at all when you have to claim! But then again they can sell you GAP insurance to make up the difference!!

Unbelievable Jeff!! :wink:

After 4 years they arnt valid as such. Speeding points last for 3 years and stay on your licence for 4 years as already said but Insurance companies require you to declare any points over the last 5 years, a bit like declaring any accidents/convictions over the last 5 years.

Good job it’s not points for drink driving, they last for 11 years!

Nearly every insurance company I’ve dealt with has asked about the last 5 years, not what’s on the license. They just want more money out of you.

You been living in a cave, points have counted for 5 years on insurance since Adam was a lad.

They wouldnt know if you didnt tell em in the first place.
Whats good for the goose…

Thats insurance companies for you …they are only there to make politictians,■■■■■■,rapists,and recruitment agencies ,look ok

Bking:
They wouldnt know if you didnt tell em in the first place.
Whats good for the goose…

+1…:wink:

+2

When making a claim when have you ever been asked for your licence.

If its a big enough claim they’ll look for any reason to get out of it. A search of the MIB database could reveal you stated you had 6 points in a policy a couple of years earlier but then didn’t declare them on this renewal.

The end result is they’d not pay you out, would pay out the third party then come after you for what they had paid out and at the moment now there’s a new Police insurance fraud task force set up, you may find a bobby knocking on your door and charging you with fraud or obtaining goods or services by deception.

Lying on the form is fraud, plain and simple.

I have been insured with the same company since 1994. Mainly because they have always given me the cheapest quote.
For the past 8 years, every time I get my renewal, I use a price comparison website and usually find that my insurance company is one of the cheapest. Sometimes there is cheaper, but the cost difference is not worth changing. Usually less than £20.

Usually.

This year my renewal was £450
2 years ago it was £198. (I changed cars twice last year so admin costs were added throughout the year).
I used a meerkat based comparison site and found 27 cheaper quotes.
One or 2, I wouldn’t be bothered. But 27■■?
And the cheapest was £210

So after 19 years with the same company, insuring 17 different cars and vans for me, it is time to switch I think.

Loyalty counts for nothing, keep the money in your pocket…

Bunch of leeches, they’re always trying to put one in you.

I was with direct line for a decade or so until I was caught being naughty then my premium was about £1000 to £1500 for about 5 years, I changed once the smudge was off the licence & they even tried to tell the new insurer about the expired exuberance on no claims hand over, cheeky bleeders, just because they lost me as a cash cow.

Conor:
If its a big enough claim they’ll look for any reason to get out of it. A search of the MIB database could reveal you stated you had 6 points in a policy a couple of years earlier but then didn’t declare them on this renewal.

The end result is they’d not pay you out, would pay out the third party then come after you for what they had paid out and at the moment now there’s a new Police insurance fraud task force set up, you may find a bobby knocking on your door and charging you with fraud or obtaining goods or services by deception.

Lying on the form is fraud, plain and simple.

Nothing ventured nothing gained.And as for fraud it comes in two colours.
Fraud by you,your going to jail,fraud by "the powers that be"thats “business acumen”.
How can several companies offer insurance between 200 and 500 quid when its the same car,same driver,same policy.Sure as hell sounds like fraud to me.

Insurance companies are like banks in that they rely heavily on customer sloth “not to switch” when they are told “your premium is going up by a joke amount” for any reason whatsoever.

Direct Line tried doubling my premium 4 years ago, and I told them not only I didn’t want to renew (in writing) but also I was dropping all the other financial products I had with them at the time as well, that I’d considered to be breaching my original T&Cs with them.
Y’see, there was no reason whatsoever for my premium to rise. No claims. No damage. No points on licence, and yet they want to double?
On pressing them (always ask to speak to “I want to leave” departments!) they told me that there had been a number of claims in my area (known as “red lining”) so premiums had to rise… I told them to find some other mug then, because I should have been retained as a “good customer”, not pushed to walk out the door, but presumably they didn’t think I’d just up sticks and move like that…

It’s soooo easy to switch insurers nowdays, that there’s honestly no excuse for getting these firms to cut each other’s throats, rather than yours, in getting a better deal. I didn’t like the insurers that effectively wanted you to place the entire car’s value as “the voluntary excess” (another fiddle to avoid ever paying out!) so I just went with the one with the cheapest headline premium for what I wanted. I don’t need “legal cover” or “fi fo fum fee” or all this other so-called optional ■■■■■■■■ that is only useful to a millionaire’s son driving a beat-up old porsche. :smiling_imp:

BANKING however is another matter entirely… It’s easier to move a mortgage than move a bank account it seems. Most of the problem lies in the fact that money (or debt!) with the current bank is NOT transferable to another new account in the same way a credit card balance is.
Thus, if you have savings locked up, you get told "access the savings account now, and lose 6 months interest" or if you have an overdrawn current account balance “pay this off in full, and your new account won’t have an overdraft facillity, and you can’t run BOTH accounts overlapping to ease the changeover”.

Tossers! :imp: :imp: :imp:

Dafman:
+2

When making a claim when have you ever been asked for your licence.

When you make a claim nowadays they ring up the DVLA and put you in a 3 way conference call whilst they check your licence, good luck getting a payout if you omit to tell them about your points.

del trotter:

Dafman:
+2

When making a claim when have you ever been asked for your licence.

When you make a claim nowadays they ring up the DVLA and put you in a 3 way conference call whilst they check your licence, good luck getting a payout if you omit to tell them about your points.

AFAIK the conference call is now standard with any claim.

I did have a strange discussion with the insurer who did our house insurance.
Our post code changed from G65 (Milngavie) to G66 (Kirkintilloch), this prompted a large increase in our premium
because we had moved into a higher risk crime area. :open_mouth: :unamused: Eh! Phoned them and eventually asked to speak to a manager
as I was getting no where with everyone else. They did not understand the post code had been changed by the PO. Manager
was also failing to understand until I asked them how would it be possible for us to physically move the house from one area to another and keep the same street address! :smiling_imp:

They no longer insure our house.

del trotter:

Dafman:
+2

When making a claim when have you ever been asked for your licence.

When you make a claim nowadays they ring up the DVLA and put you in a 3 way conference call whilst they check your licence, good luck getting a payout if you omit to tell them about your points.

+3

NO they don`t!!!

Had a claim paid by AXA and they never check my licence once or asked to see it, or my logbook. Car was written off.

They say that the reason insurance premiums are so volatile is fraud. It’s on the increase so we all suffer - wait until the next batch of ‘claimants’ arrive in the next 6 months and watch them go then!