shortfuse 2
Senior member
i wont bother getting mine activated and tell the insurance what a con 
Admiral Insurance, Speechless!!!!
- Thread starter bat1959
- Start date
Mafoo said:
Wow. I did not know they could access this information - is that even legal ? Certainly adding £30 to your premium based on an assumption and without even telling you is well dodgy.
If Admiral do this then I'd bet the rest do too. Interesting that they can see your other quotes, as does this mean they see the actual premium offered ? Surely that is almost cartel-like behaviour.
I feel a soap box coming on...
.. and with some companies membership of Green Flag or the AA secures a bigger discount than the Institute of Advanced Motorists,
My 2.0TDCi Ford costs more to insure than the Z4 with the same excess, mileage, use NCB etc?
Having my wife on my policy lowers the premium although she's had accidents and I'm 'clear' ?
Lowering the excess reduced the premium on my car (yes you read that correctly)
Having said that Admiral multi-car did my three for £450 this year which was a result, you just have to juggle the information and cover (and be a lucky-not-to-have-been-caught-or-crashed old ferrt in a quiet post code).
My 2.0TDCi Ford costs more to insure than the Z4 with the same excess, mileage, use NCB etc?
Having my wife on my policy lowers the premium although she's had accidents and I'm 'clear' ?
Lowering the excess reduced the premium on my car (yes you read that correctly)
Having said that Admiral multi-car did my three for £450 this year which was a result, you just have to juggle the information and cover (and be a lucky-not-to-have-been-caught-or-crashed old ferrt in a quiet post code).
bat1959 said:Just emailed Tracker informing them of the situation, also asked them for a company, as per their advert, that discount for having their products fitted. Watch this space. Not!
A reasonable bet would be they'll come back with Direct Line... (IIRC they own them)
Stuart Truman said:
Direct Line own Tracker? Direct Line is part of RBS. I knew they owned Green Flag and thought Tracker was still independent.
Reason for the driveway being more is because a lot of people ding their car pulling out of or into drive ways. Garages cost more as people crash them the same way and also if a thief wants to work on the car in privacy a garage gives him more time to do this privately.
And as to the common sense thing, it wouldnt really be practical for every single person to have a unique quote so they use statistics to model it. Some people are always going to get shafted.
Im with Admiral as well, it is annoying what they charge extra for but they are far and away the cheapest out there. I can put a new exhaust and air filter on for pennies but cannot upgrade the brakes.
Wait till someone challenges the insurance rates under age discrimination laws, then it will really get messed up. If you dont think they will look at the ruling the EU made regarding sex related insurance quotes!
A
Anonymous
Guest
Elephant (owned by Admiral) did that to me with a peugeot, I added alloy wheels to a quote to see what difference it would make if I ever fitted them,
I didn't, but elephant (who were the cheapest if I did fit them) sent out a letter demanding more money cos of the alloys I didn't have, and wanted me to pay a garage to provide evidence that they were not fitted, After several arguments, I got the apology I deserved.
I said If I crash, your assessor can check, besides, whats to stop me taking alloys off when visiting a garage for proof, and putting them back on after.
They too had checked confused.com and all my quotes.
Wait till they are checking forums too
I didn't, but elephant (who were the cheapest if I did fit them) sent out a letter demanding more money cos of the alloys I didn't have, and wanted me to pay a garage to provide evidence that they were not fitted, After several arguments, I got the apology I deserved.
I said If I crash, your assessor can check, besides, whats to stop me taking alloys off when visiting a garage for proof, and putting them back on after.
They too had checked confused.com and all my quotes.
Wait till they are checking forums too
I'm with Admiral and all seems to have gone OK (although only been with them for a few weeks so far), insurance on the M was slightly more than expected but Admiral were cheapest by a few hundred. Direct line wouldn't touch it without a tracker (which is a shame as they were really cheap), so I'm surprised other are asking for more money because of it.
Here in the States, having a tracker as well as other theft deterrent equipment can result is a significant discount with most insurance companies.$100 - $200/year.
Parking in a garage also seems to keep the rate down.
Current premium, with good record, no violations, etc is about $570/yr.
Parking in a garage also seems to keep the rate down.
Current premium, with good record, no violations, etc is about $570/yr.
No answer back from Tracker yet. I have been doing a little investigation and Tracker is owned by RBS. So I got a quote from Churchill (RBS owned), with and without Tracker, no difference! Halifax (anther RBS owned company) did give me a discount, 2 pence, I nearly wet myself. I'll phone them when I get home from work and ask about the paultry 2p discount. If anyone is interested, stay tuned.
M@r said:{"]bat1959 said:Just been on line again to check other companies, Elephant, Bell and Diamond all charge extra.
Phew! thank god that's off my chest.
Elephant, Bell, Diamond and Admiral are all the same company.
Insurance companies work off of a really basic risk model that more often than not makes no sense whatsoever. Yet these plums don't feel the need to apply a bit of common sense or discretion - simple, "computer says no" :roll:
Its the same reason why if someone hits you up the arse, admits blame, it goes through their insurance jobs a good un. But no, you're premiuim will go upo next year
Same for the stored in a garage rule. Statistically more cars get stolen from a garage, why? Because generally those who go to the effort to put their car in a garage do so because they have a nice car (so more likely to get stolen) Common sense would tell you they're even more likely to get stolen if they are kept on the drive. And no doubt as more do the tides will change. Its a joke.
Playing devils advocate, I'm very aware of what's around me, if I need to anchor on my first thought is what's behind me as the chances are they are going to hit me if I just slam on. This kind of thinking will undoubtably reduce crashes. Someone that has been rear ended twice in 4 years for example is surely more of a risk than someone that has never had a crash because they think about what they are doing. I am confident that within an hour I could get someone to crash into the back of me - and it would be their fault!
Regarding drives, if they want your car, they know the house to break into to get the keys! If you live in a terraced house with on street parking and they want your car it's a bit more tricky!
oli445 said:M@r said:{"]bat1959 said:Just been on line again to check other companies, Elephant, Bell and Diamond all charge extra.
Phew! thank god that's off my chest.
Elephant, Bell, Diamond and Admiral are all the same company.
Insurance companies work off of a really basic risk model that more often than not makes no sense whatsoever. Yet these plums don't feel the need to apply a bit of common sense or discretion - simple, "computer says no" :roll:
Its the same reason why if someone hits you up the arse, admits blame, it goes through their insurance jobs a good un. But no, you're premiuim will go upo next year
Same for the stored in a garage rule. Statistically more cars get stolen from a garage, why? Because generally those who go to the effort to put their car in a garage do so because they have a nice car (so more likely to get stolen) Common sense would tell you they're even more likely to get stolen if they are kept on the drive. And no doubt as more do the tides will change. Its a joke.
Playing devils advocate, I'm very aware of what's around me, if I need to anchor on my first thought is what's behind me as the chances are they are going to hit me if I just slam on. This kind of thinking will undoubtably reduce crashes. Someone that has been rear ended twice in 4 years for example is surely more of a risk than someone that has never had a crash because they think about what they are doing. I am confident that within an hour I could get someone to crash into the back of me - and it would be their fault!
Regarding drives, if they want your car, they know the house to break into to get the keys! If you live in a terraced house with on street parking and they want your car it's a bit more tricky!
And if they applied that level of thinking then that would be fine. My particular experience is my Elise was reversed into in a car park. I wasn't even in the car. They admitted blame (obviously!) it went through their insurance I didn't have to pay a thing. My insurance didn't even get involved as one of those insurance hadling companies took it on, the ones who hire you a better courtesy car and claim it for you? Anyway my premiums went up because of it. :x
Next time this happens I will be looking into claim financial compensation to cover my increased premiums for the next 3-5 yrs!
Sorry I haven't kept you posted, I've had visitors for the last week.
The update.
TRACKER phoned me to let me know 2 companies that discount for having their products fitted. Direct Line & Aviva, I spoke to them getting both, quotes with and without TRACKER, surprise! ZERO discount! I also contacted Halifax & Churchill (owned by RBS), again zero discount, at least they don't want more.
I finally went with Swinton for 3 reasons a, they were reasonably cheap. b, they actually had my tracking device on their list and c, there wasn't a price increase with TRACKER declared.
What gems can I pass on after this experience?
1. Don't get a Tracker fitted, thinking insurance companies will fall over themselves to give you a discount.
2. Some insurance companies will hike your insurance with a tracker fitted/declared.
3. TRACKER (the company) haven't checked the insurance market for years.
The update.
TRACKER phoned me to let me know 2 companies that discount for having their products fitted. Direct Line & Aviva, I spoke to them getting both, quotes with and without TRACKER, surprise! ZERO discount! I also contacted Halifax & Churchill (owned by RBS), again zero discount, at least they don't want more.
I finally went with Swinton for 3 reasons a, they were reasonably cheap. b, they actually had my tracking device on their list and c, there wasn't a price increase with TRACKER declared.
What gems can I pass on after this experience?
1. Don't get a Tracker fitted, thinking insurance companies will fall over themselves to give you a discount.
2. Some insurance companies will hike your insurance with a tracker fitted/declared.
3. TRACKER (the company) haven't checked the insurance market for years.
M@r said:
i guess the demographic on here wouldn't show it, but the reality is the insurance companies' risk models are overlaid massively as a result of all of the personal injury claims they have to settle.
my brother's partner was reversing out of a car park space and somebody drove into her, and the claim they put in was ridiculous - 12 weeks car hire of an aging VW passat @ £1,400 a week (yes £17k to hire a passat!) 2 lots of whiplash (morrisons car park... :? ), loss of earnings (he was a cab driver), various consultants fees, and finally, about £600 for remedial work to the car. I can't recall the exact figure, but it was in the £20'sk for a very low speed shunt, that caused £600 of damage to a Skoda Octavia.
another incident that cropped up a few doors up from where i used to live, burglary, £40k cash stolen... :roll:
When you think back in the day, an insurance scam was knocking a tin of paint over and getting your dog to trot round all the carpets in your house with painted paws, you do realise the reason why premiums have rocketed.
