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"Insurance" Companies take us for a ride!

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Barry Scott:
Henry

Sorry to hear that.  One thing you may find is when an insurer see's the 50,000 plus miles, that might be a bit of a shock.  To them your vehicle is doing over 4 times the average mileage and therefore in their view is over 4 times the risk.

However if you have been claim free for so long then that should be taken into account too.

I am not really sure where multi vehicle policies went, there may be the odd one about still.  You will find some insurers give a discount if you have more than one policy with them though.

laser_jock99:

--- Quote from: "Reaper" ---
--- Quote ---With all this talk of bad insurers, can anyone reccomend one who DOESN'T rip you off? (I'm 20 so I need all the help I can get)!

--- End quote ---


I have been with Adrian Flux for the last 10 years, every year I ring around and sometimes I get a quote a few pounds cheaper, I then go back to Flux and they match or beat it!  So I would reccomend you give them a try !  plus they don't try and class my S3 SWB hard top as an estate ! like some do  :?
--- End quote ---


My Adrian Flux re-newal was £413 this year. I fished around and £297 from the AA website, presented the evidence to Adrian Flux and they beat the AA by a tenner!! Can't complain at that. Now all I have to do is remind them later of all the modifications there are on the car.......

Henry Webster:

--- Quote from: "Barry Scott" ---Henry
Sorry to hear that.  One thing you may find is when an insurer see's the 50,000 plus miles, that might be a bit of a shock.  To them your vehicle is doing over 4 times the average mileage and therefore in their view is over 4 times the risk.

--- End quote ---


Thanks Barry, the 50K is spread across 3+ vehicles and is probably nearer 40 come to think of it.  The racer is on a 1K limited policy, my tow Discovery does about 10K, and the commuting car, a diesel Fiesta does 30K.

I think that that is my point though, is it really four times the risk if I have never made a claim, yet have always driven high mileages?  I would like to think that a broker was in a position to make a judgement on the risk I actually present, but I guess it doesn't work that way.

I have never found that the second car discount amounts to much.

H

Barry Scott:
It depends on the broker/insurer.  Some will just input the data into a system and tell you what comes out, other will asses your risk, refer to underwriters and try to explain your specific needs and requirements.

Unfortunately it may be pot luck as to which of the above services you receive.

Wanderer:
I'll tell you all the biggest rip off of the lot.

You insure your vehicle.

Someone wants to borrow it. He's insured to drive another vehicle not belonging to himself with third party cover.

You say Ok.

He has a bump and guess what?

The robbing gits take away your no claims.

It didn't happen to me but to a mate.

Ed

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